If you’re lazy, get an insurance broker who will find you the best rate/coverage combo possible, and they’ll get a little off the top in return.

If you’ve got time to burn, hit all the major Insurers that serve your province, and either complete their questionnaires online, or call an agent and do it by phone.

Also, you may get a break combining multiple types of insurance if you have a car, need life insurance, etc.

Random tip: Only ever do term insurance, and always get a large lump sum, none of this adjustable coverage, etc. Chances are your insurance from work is shit, don’t rely on it.