We shop multiple carriers on your behalf so you get honest advice, real options, and a policy that actually fits your life.
What We Cover
From a single car to a full employee benefits program — we keep it straightforward and find you the best fit.
Liability, collision, comprehensive, and more. We compare rates from top carriers to protect your vehicle and your wallet.
Learn More →Term, whole, or universal — we help you choose what makes sense for your family's future without the sales pressure.
Learn More →Trip cancellation, medical emergencies abroad, lost luggage — solid coverage so you travel with confidence.
Learn More →Health, dental, vision, and disability plans for employers of all sizes. Keep your team protected and your costs manageable.
Learn More →Why MakeMyRates
As an independent broker, we aren't tied to any single carrier. That means our only goal is finding the coverage that works best for your situation and your budget.
We take the time to understand what you actually need, explain your options clearly, and handle the paperwork so you don't have to.
Our job is to find you the best possible rate from a carrier that will be there when you need them. Nothing more, nothing less.
By the Numbers
Insurance carriers we work with
Lines of coverage under one roof
Independent — no carrier ties
Cost to get a quote from us
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Auto Insurance
A minor accident can turn into a major expense without the right coverage. We make sure you're not caught off guard, and we shop rates from multiple carriers so you're not overpaying either.
Whether you drive a single car or run a small fleet, we'll find a policy that covers what matters most.
We pull quotes from top-rated auto insurers so you can see your options side by side — no pressure, no guesswork.
Coverage Types
Every driver's situation is different. We'll help you put together exactly what you need.
Covers damage or injury you cause to others. Required in most provinces and states — and the foundation of any auto policy.
Pays to repair or replace your vehicle after an accident, regardless of who's at fault.
Covers theft, vandalism, weather damage, and other incidents that aren't a collision.
Allows you to deal directly with your own insurer for claims, even when someone else is at fault.
Life Insurance
Life insurance isn't a comfortable topic, but it's one of the most important financial decisions you'll make. We keep the conversation straightforward and help you find coverage that matches your real situation — not just a product that's easy to sell.
We work with leading carriers to offer term, whole, and universal life policies across all budget ranges.
The right life policy gives your loved ones options — the ability to grieve without also worrying about finances.
Choosing a Policy
There's no single answer. It depends on your age, income, debts, and long-term goals. We'll walk you through it.
Coverage for a set period — typically 10, 20, or 30 years. The most cost-effective way to protect young families and cover large debts like a mortgage.
Permanent coverage with a guaranteed death benefit and a savings component that grows tax-sheltered over time. Good for long-term estate planning.
Combines permanent coverage with investment flexibility. Premiums and coverage amounts can be adjusted as your life changes.
Travel Insurance
An unexpected illness, a cancelled flight, or lost baggage can turn a great trip into a costly headache. Travel insurance is one of the most overlooked and undervalued products out there — until you actually need it.
We offer single-trip and annual multi-trip plans for individuals, couples, and families.
Frequent travellers often save with an annual multi-trip plan. Ask us which option makes sense for how often you travel.
Group Benefits
A well-designed group benefits plan helps attract good employees and keep them. We design programs for small businesses, mid-sized companies, and larger organizations — tailored to your budget and your workforce.
We handle the plan design, carrier negotiations, enrollment, and ongoing administration support so you can focus on running your business.
Whether you have 3 employees or 300, we'll build a group plan that works within your budget and gives your team real value.
Plan Components
Mix and match coverage components based on what your employees value most and what your budget allows.
Prescription drugs, physiotherapy, massage, psychology, and more. The cornerstone of any solid group plan.
Basic, major, and orthodontic coverage options — one of the most-used and appreciated benefits by employees.
Protects employees' income if they can't work due to illness or injury. Short-term and long-term options available.
Group life insurance and accidental death coverage at group rates — far more cost-effective than individual policies.