Our rankings are based on the number of LowestRates.ca users who, after applying for a quote, indicated that they wanted to be connected with the insurance agent or broker offering the rate. These users did not know the name of the car insurance company, just the rate. It’s a bit like a blindfolded taste test. Insurance companies spend billions of dollars on advertising to create a brand. At LowestRates.ca, we get down to basics. We’re concerned with matching you with the insurance company that offers the right amount of coverage at the lowest price (hence our name)