shouldiuse.io

Categories

VERDICT

RATESDOTCA Review

Depends

Should I use RATESDOTCA?

Skip to main content - ratesdotca.ca

· 1 week ago

Use it if you're a Canadian shopping car, home, or travel insurance and want free quotes fast. Skip it if you hate follow-up calls, or if you want to buy without sharing your contact details.

Confidence

Medium. Based on 20+ public sources including Reddit threads, Glassdoor, Indeed, BBB, Traders Union, and news coverage.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posturePublishes security page; no independent audit data found

Pricing

$0

Free comparison

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Ontario and Alberta drivers comparing car insurance
  • Renewal shoppers hunting cheaper home/auto rates
  • First-time insurance buyers wanting multiple quotes
  • Mortgage and credit-card rate browsers

Not for

  • Anyone unwilling to share phone and email upfront
  • Buyers who want quotes without broker follow-up
  • Shoppers outside Canada — Ontario-focused coverage
  • People wanting a single binding purchase, not comparisons

Gotchas - check before you buy

high

Submitting a quote hands your contact info to partner brokers; expect outreach by phone and text.

medium

Quotes likely require personal driver and vehicle details before you see prices.

medium

Comparison may not cover every Canadian insurer; cross-check rival sites before renewing.

Pros and cons

Pros

  • Free quotes across car, home, travel insurance, mortgages, and credit cards
  • Rated 4.6/5 by Traders Union; judged safe and legit
  • Frequently recommended on Reddit for cutting Ontario car insurance costs
  • Partners with digital insurer APOLLO for embedded coverage
  • Quoted as an expert data source by CTV News on insurance pricing

Cons

  • Users report persistent calls and texts after submitting a quote
  • Not BBB accredited
  • Employee job-security rating of 2.9/5 on Indeed
  • Only 63% of employees would recommend the company

Sources & method

- 10 sources - No known vulnerabilities found in the sources reviewed.

official x1review x6security x1news x2

Key stats

  • Value for money: 5/5

    Rating

  • $0

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 5/5. Free to consumers; funded by insurer leads
  • Ease of use: 4/5. Advertises quotes in about 3 minutes
  • Feature depth: 3/5. Auto, home, travel, mortgages, credit cards; quote-only
  • Support quality: 2/5. Complaints of relentless post-quote calls and texts
  • Security posture. Publishes security page; no independent audit data found
  • 4.6/5 Reviewer score Traders Union review
  • 63% Glassdoor recommend 103 employee reviews
  • $0 Cost to consumers Free quotes; lead-funded
  • Not accredited BBB accreditation BBB profile, Toronto

Pricing

Free comparison

$0

  • Car, home, and travel insurance quotes
  • Mortgage rate comparisons
  • Credit card comparisons

Security

No known vulnerabilities found in the sources reviewed.

What users say

Redditors frequently recommend RATESDOTCA for finding cheaper Ontario car insurance, but some complain about relentless follow-up calls and texts.

“Warning - Rates.ca will not stop calling me, texting me or ...”
Reddit, r/InsuranceCanada
“Ratesdotca is a nifty tool.”
Reddit, r/ontario
“I found a better one on RatesDotCA”
Reddit, r/ontario
Full analysis

Based on 20+ public sources including Reddit threads, Glassdoor, Indeed, BBB, Traders Union, and news coverage.

Free Canadian insurance/mortgage comparison site; genuinely useful for quotes, but expect broker calls and texts after you submit.

Methodology

Based on 20+ public sources including Reddit threads, Glassdoor, Indeed, BBB, Traders Union, and news coverage.

Read how a report is made.

Sources

  1. RATESDOTCA Review – Is it Safe and Legit?tradersunion.com
    review
  2. Warning - Rates.ca will not stop calling me, texting mereddit.com
    review
  3. Rates.ca - legit and trustworthy? (r/PersonalFinanceCanada)reddit.com
    review
  4. RATESDOTCA | BBB Business Profilebbb.org
    security
  5. RATESDOTCA Reviews — Glassdoorglassdoor.com
    review
  6. APOLLO Insurance Partners with RATESDOTCAbusinesswire.com
    news
  7. Rates.ca Review — Loans Canadaloanscanada.ca
    review
  8. RATESDOTCA vs. YouSet: Pros and Consyouset.ca
    review
  9. Rates.ca product security pageratesdotca.ca
    official
  10. lowestrates.ca Competitors — Similarwebsimilarweb.com
    news

Add this review to your site

This check for RATESDOTCA says Depends.

Put the badge on your site.

Visitors see the independent review.

The link points here, and search engines follow it.

This is the badge visitors see on your site.

Depends RATESDOTCA Independent review on Should I Use It

Paste one snippet. Keep the link as it is. A nofollow tag stops search engines from following it.

Rate this review

Anonymous. You can change your vote.

Loading votes…

Comments

One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.

Save a name to write a comment.

0 / 200 words

No comments yet.