Comparing Quotes: RBC vs TD vs Intact in Canada – a multi-way comparison of bank vs bank vs broker.

I didn’t expect to fall down the auto insurance rabbit hole. But here I was — staring at three tabs open on my laptop, one for RBC, one for TD, and one for Intact, with a side of Ratehub just in case I missed a better deal.

Like most Canadians, I used to blindly renew my car insurance. This year, though, my renewal came with a 10% hike, no accidents, no tickets — just vibes, I guess. That was enough to finally push me into comparison mode.

And here’s what I found.

🚗 Starting the Race: Getting Quotes from RBC, TD & Intact

Let’s start with this: all three sites let you get a quote online, and all three ask roughly the same questions — car make, year, usage, license class, driving history, etc.

But the vibe of each experience? Totally different.

🏦 RBC Insurance

RBC’s Auto Insurance Portal feels clean and straightforward. It looks like it was built for people who value simplicity.
The quote process was smooth, but it asked fewer follow-ups than TD or Intact — which made me wonder if the quote might change later.

RBC’s standout:
👉 Their quick bundling suggestion — home, tenant, and even life insurance add-ons pop up clearly, and bundling shaved ~$200 off the annual premium.

🏢 TD Insurance

TD Insurance’s Auto Tool feels like a full-on digital assistant.
The quote experience is… long. But surprisingly detailed. TD asked me about winter tires, parking habits, annual kilometers, and even whether I use snow tires before November.

TD’s standout:
👉 “MyAdvocate” tool — a clever, AI-style wizard that recommends coverage based on your needs. It felt more like a financial planning tool than an insurance website.
But here’s the twist — TD gave me the highest quote. Why? Turns out their base coverage is broader by default, with slightly lower deductibles. With some tweaks, I brought the price down by $150.

💡 Pro Tip: With TD, tweak your deductible manually — the default quote may assume you want $500 when $1,000 could save you more upfront.

🧮 Intact Insurance

Intact’s Online Quote Portal is fast — almost too fast.
The form was the shortest, and I got my number in under 4 minutes. But it came with the classic “a broker will call you to finalize” message.

Intact’s standout:
👉 Broker-backed support. You’re not buying from a bank — you’re working with a network. I got a call 10 minutes later from a local broker who offered to tweak things and recheck discounts.

So while RBC and TD are “click and go,” Intact adds a human layer that might work better for some — especially if your needs are more complex or you want more advice.

🧾 Coverage Breakdown: Pretty Similar, Until You Dig

All three providers offer:

Standard liability
Collision & comprehensive
Loss of use, accident forgiveness, waiver of depreciation, etc.

But here’s what I noticed:

Feature	RBC	TD	Intact
Winter Tire Discount	Yes (Ontario)	Yes, auto-applied	Yes, broker-applied
Online Adjustability	Medium	High	Low (requires broker)
Claims Support Tool/App	Solid	Excellent (TD Insurance App)	Broker-driven or via app
Custom Bundling Suggestions	Visible at quote stage	Personalized in MyAdvocate	Bro

💬 So… Who Actually Won?

Here’s the thing — there’s no one-size-fits-all winner.

RBC is great if you like dealing with a known bank, want solid bundling, and prefer a no-fuss experience.
TD shines for digital power users — you’ll get a more detailed quote, more tools, and more control.
Intact gives flexibility through brokers, which can be a blessing if your situation isn’t “standard” (young driver, joint policy, etc.).

Me? I went with TD after negotiating a bit — then used my Intact broker quote to push the price lower. The real winner wasn’t the insurer — it was comparison.

Compare Auto Insurance