Compare home & car insurance quotes from top insurance brokers in Toronto

There are many benefits to using an insurance broker. Here are some of the biggest ones.

• Brokers can compare many insurance companies at once. If you need help determining which insurance company can offer you the best value, an insurance broker will show you more options than an agent. The difference between a broker and an agent is that a broker works with multiple insurance companies. By contrast, an insurance agent works for just one.

• Brokers can help you get a lower rate. Brokers can even negotiate the best rates for you in some cases. Because brokers have relationships with multiple insurance providers, they can sometimes negotiate rates and group discounts.

• Brokers work for you, not the insurance companies. They don't sell insurance; they broker deals between customers and insurance companies. Brokers can provide impartial advice on your coverage needs, helping you avoid paying extra for features or products you won't use. They can also advise you if you're contemplating filing a claim and help you appeal a denied claim. Even though they earn a commission from the provider, they can only make suggestions based on what's best for you.

• They can help your claims get paid out sooner. Working with an insurance broker can make the process smoother if you ever need to file a claim (which we hope you won't).

• They are knowledgeable about the insurance market at large. Insurance agents are dedicated to a single insurance company and are often limited in what products and advice they can offer. Brokers usually have broader knowledge about the insurance market.

• They are also specialists. Some brokers specialize in one type of insurance. Specialized brokers will be knowledgeable in the kind of insurance policy you're looking for and may be able to provide insight that an insurance agent, or even a general brokerage, may not have. The downside of going with a specialized brokerage is that you may have to look elsewhere once you require a different type of insurance. Many brokerages will strike a balance by specializing in a handful of insurance types, such as auto, home and business.

In short, LowestRates.ca can connect you to brokers who have extensive industry knowledge and can advise you on what you may (or may not) need. Brokers often prove their value when you're in the thick of selecting an insurance policy or filing a claim.

All insurance brokers in Canada must achieve a base-level provincial license before they can sell insurance in their province.

They also have the option to pursue further certifications and professional development.

Insurance brokers are regulated by the Insurance Brokers Association of Canada, a self-regulatory organization with a provincial branch for each province. Each branch oversees the licensing process for insurance brokers working in their territory. Toronto insurance brokers belong to the Insurance Brokers Association of Ontario.

LowestRates.ca is not an insurance broker, but we can connect you with insurance brokers. LowestRates.ca is a free rate comparison tool that allows users to compare a wide range of financial products, including auto and home insurance. Consumers can compare offers from more than 50 insurance providers, credit cards, mortgages and loans.

Yes. LowestRates.ca is here to help if you're looking for an auto insurance broker. Comparing auto insurance quotes on our site is easy, simple, fast and secure. By providing information about yourself, your vehicle and your driving habits, you can choose between the best rates offered by our partners. These offers come from a mix of direct writers and insurance brokers. A direct writer is an insurance company that only issues insurance policies from one company and usually only has an online presence. Whereas a brokerage can choose from several insurance companies when securing your policy, an insurance agent can sell you a policy from one company only — the one they work for.

Yes, you can! Our customers can also obtain a home insurance quote on LowestRates.ca by filling out some simple information about their home and its occupants. Similar to getting an auto insurance quote, we will show you the best offers from our partners derived from a mix of insurance companies and insurance brokers.

LowestRates.ca automatically shows you the best offers from companies in your area. Some brokerages operate in one central hub, whereas others operate in several locations. LowestRates.ca works with numerous insurance brokers in Toronto, the Greater Toronto Area, and several direct writers.

We offer a wide range of insurance coverage options through our partners in Toronto, including auto insurance, home insurance, renters or condo insurance, commercial insurance, etc. Compare rates from our partners in Toronto by completing a quote at LowestRates.ca.

LowestRates.ca compares a wide range of insurance products, from standard products like home and life insurance to more unique offerings like pet insurance.

Here's a complete list of the insurance products you can compare on LowestRates.ca:

• Auto insurance

• Home insurance

• Life Insurance

• Travel insurance

• Commercial Insurance

• Snowbird Travel Insurance

• Condo Insurance

• Renter's Insurance

• Pet Insurance

• Health Insurance

• Dental Insurance

• Motorcycle Insurance

• Boat Insurance

• RV Insurance

• Usage-based Insurance

• Ride-sharing Insurance

• Secondary Driver Insurance

• Third-party Liability Insurance

If you're interested in working with us, that's awesome! We're always eager to meet potential partners and are excited to get to know you better. To get in touch with us, navigate to the Contact Us section, which you can find at the bottom of the site. After entering your name and email, select "Becoming a Partner" from the Topic dropdown. Please include a message about who you are and why you're interested in working with LowestRates.ca. One of our sales representatives will contact you shortly.

Alternatively, click this link to learn more about how working with LowestRates.ca can grow your business. We can't wait to meet you!