Toronto, Ontario Insurance Agency Guide
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LowestRates.ca

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 1,578 Google reviews · How we rank ›

4.6(1578) 82 composite score See reviews on Google ✓ Google-verified
Auto InsuranceHome & Property InsuranceLife InsuranceBusiness & Commercial InsuranceHealth & Travel InsuranceIndependent Multi-Carrier Broker
LowestRates.ca
Services
Auto Insurance, Home & Property Insurance, Life Insurance
Reviews
1578

What recent reviews say

Staff earn consistent praise for patience and clarity when explaining insurance choices and coverage details. Several reviewers flagged the online quote tool as broken or misleading, with final quotes routinely exceeding current premiums by $40 to $50 monthly. One customer felt a bundled discount was implied without explicit discussion, leading to higher-than-expected home insurance costs after credit was pulled. Despite these friction points, most interactions leave customers satisfied with the service experience itself.

Christo is named as a helpful representative. Response times come up as a strength. The business operates across multiple insurance lines, which appeals to customers seeking bundled quotes, though the pricing outcome frequently does not match expectations formed during the initial web or phone quote phase.

Praised for
  • helpful and patient staff
  • clear explanations of insurance options
  • quick response times
  • willingness to review and compare quotes
Watch-outs
  • website quote tool unreliable or incomplete
  • final quotes often higher than existing policies
  • misleading initial quotes when bundled coverage assumed
  • wait times to speak with representative
responsive-agentknowledgeable-staffhelpful-adviceoverpricedpoor-communicationeasy-to-reach
Best for: customers seeking comparison quotes across multiple insurers and willing to speak with a representative.
Think twice if: initial online or phone quotes may not reflect final pricing, especially for bundled policies; expect 20-50 minute wait times and final premiums substantially higher than current coverage.

Strengths

  • multi-carrier broker access
  • responsive customer service
  • staff explain coverage clearly

Worth knowing

  • Christo is named as a helpful staff member
  • website quote tool frequently fails to return rates or gets stuck searching
  • credit check is pulled during quote finalization
  • bundling discounts mentioned without clear discussion of total cost impact
  • wait times of 20+ minutes to speak with representative are common

What reviews say by service

Auto Insurance
quotes often higher than current premium; website tool unreliable
Home & Property Insurance
final cost frequently surprises upward after credit check

How it compares

  • Rated 4.6 against a 4.08 average across the 263 auto insurance businesses listed here.
  • Has more Google reviews than 98% of the businesses in this directory.

How we scored this

Ranking Method
Star rating 73
Review volume 100
Review recency 100
Review sentiment 61
Profile completeness 100
Verification 30

Rating breakdown

5
1306
4
120
3
24
2
12
1
116

Common questions

How long does it take to get a quote?
Initial online quote tool may take time or fail to load; speaking with a representative typically involves a 20+ minute wait, though response times to initial inquiries are noted as quick.
Will my final quote match the online estimate?
No. Reviewers consistently report final quotes are $40-50 monthly higher than the initial online quote, especially when bundling home and auto coverage.
Do you pull my credit?
Yes, credit is pulled during the quote finalization process, after which bundled discounts may change or the final total may increase from the initial quote.

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Bilingual / Multilingual ServiceLife Insurance

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Last updated 2026-07-24