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We specialize in attaining the lOWEST possible rates.

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When there’s a fire, you call the firemen, when someone’s hurt, you call a doctor, but who do you call when you’re practically being forced to pay unrealistically high insurance rates? Someone’s gotta be there to save the day, and that’s us.

How do you choose from the many options other brokers are giving you when all of them are too expensive?

We will narrow down the cheapest options, with the most reputable companies, so that you can rest assured that you are getting the best deal possible.

Everyone deserves to have an Ace to play, play yours now, and get the rate and savings you deserve.



Companies We Work With

We Are Fully Licensed & Registered With


Our mission is to fight the high insurance rates the people of the GTA are faced with, we take pride in delivering the quotes that insurance companies don’t want you to see! The rates we discover are generally 20-40% lower than what clients are paying!

Join the GTA’s few who pay the lowest price possible!
Get a Quote to see how much you can be saving!
Stop being a victim to ridiculous rates.
Drive with peace. We only work with reputable companies!
No hours long calls. Free Quote instantly on your phone.

did you know at least 80% of Ontario residents are overpaying for insurance?

Get a quote so we can lower this statistic!


We constantly work on delivering the best & cheapest Insurance services to our clients. We will walk you through every step of the process – from answering questions, to getting you the lowest quotes.


We have satisfied clients all over Ontario and one of the fastest approval rates. In most cases, they have saved over 30% additional in savings by switching their policies.


SAVE additional Up to 40% on




SAVE additional Up to 40% on


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live, family, insurance


Hidden Ace Brokerage was founded on the promise of always striving to help people through the dreadful stage of buying insurance.

Frequently Asked Questions

General Questions

You live in a high risk area with many claims, the market is hardening and rates are going up, your car insurance company may not be favourable to your set of circumstances.

If your company charges a cancellation fee, and you are still saving money if you pay that and take our quote, then you should definitely switch!

some companies reward loyalty, if you are getting a good rate and or accident forgiveness you are better off sticking with them.

Rates start going down after age 25, 
when you are no longer considered a young driver.

This can be the case sometimes however there are still many other factors that play a part.

Just like the real estate market, insurance companies rates constantly fluctuate, this can be due to the number of claims, fraud, economy, weather, etc.

Coverage Questions

This coverage is mandatory and covers you if you are in an accident and you get sued by a third party when you cause them to be injured catastrophically or if you cause property damage. The minimum liability you can choose is 1 Million

If you get into an accident, regardless of who is at fault, you claim from your own insurance company.

There are mandatory accident benefits that everyone gets with their insurance policy; You are covered for Medical and Rehabilitation, Death and Funeral, Dependant Care, Income Replacement and for other help you might need like Attendant Care or Housekeeping and Home Maintenance.  This is where the bulk of auto insurance premiums go towards.

This covers you for the damage to your vehicle when you are at fault for an accident or partially at fault.  This is subject to a deductible, usually $500 or $1000.  This coverage is recommended for newer vehicles or cars that still have some value to them.

This coverage is commonly referred to as “fire and theft,” but it covers much more than that!  Comprehensive coverage also covers glass, vandalism, falling objects and many other things.  Many consumers choose to keep comprehensive coverage even if they drop collision coverage because this coverage is less expensive.

How to keep rates low?

Most companies now provide an app to monitor your driving habits, there’s usually always a discount for signing up and always more potential to save.

Each year that you go without having an accident will decrease your car insurance rates. 

Most people don’t know this, but having a cancellation for non-payment of premiums on your insurance record will actually increase your rates.

You don’t have to pay interest! Paying your annual policy in full will save you 1.3% on your auto insurance and 3% on your home insurance.

Some insurance companies give a discount for buying a car when it is brand new.  It shows that you probably have good credit and are a responsible individual.

Sometimes it doesn’t make sense to buy a new expensive car.  If you’re a young driver, have first-time insurance, or just don’t have the finances to buy a new car, getting an older car is the way to go and having only one way coverage (Liability Coverage only) will greatly reduce your rates.

Where you live is one of the biggest factors in your auto insurance premiums being too high.  But why?  Urban areas like Toronto, GTA, Hamilton all tend to have more accidents and higher insurance claims payouts.  We call this claims frequency and severity.  It is not just about how you drive but others on the road who might crash into you as well.  Living in less populated areas areas like Kitchener Waterloo, Guelph, Cambridge, Ottawa will greatly reduce your car insurance premiums.  Rural areas have the lowest car insurance rates; there are just fewer things to crash into.

The Hidden Ace Brokerage are tasked to apply any discount our clients may be eligible for!

Common insurance mistakes

Most people know that you need to pay your insurance premiums or else your policy will get cancelled for non-payment.  If you miss three payments within a year, you’ll have to pay the year in full or else get cancelled for non-payment.  These cancellations go on your record for three years and can certainly affect your eligibility to purchase insurance with the best companies.

This one seems obvious: don’t drive poorly

Insurance premiums are much higher in urban areas like Toronto and the GTA. This part is often out of your control. If you work or go to school downtown, you can’t just live somewhere in the suburbs or in a remote area.  

Not applying all of your discounts is mostly your broker’s or agents’ fault; however, not doing your due diligence is a mistake which can cost you hundreds of dollars. Please get your quotes through us and rest assured we only get the lowest rates!

We often hear clients say something like, “I’ve been with my broker for 20 years and never changed.”  While this is often a good story and I fully understand why some clients value service over price, it may be a mistake not to put some feelers out there. Come try us out!

So, we’ve just told you to check the market; check online, in fact.  Why is it a mistake to take matters into your own hands? Insurance is a complicated product.  The vast majority of people don’t know enough about their insurance coverage and options at their disposal.  This is not the public’s fault.  The industry hasn’t done enough to simplify the products they are selling. Call us today at 437-229-5658 and save up to 40% on Insurance quotes.

Causes We Support

Hidden Ace Brokerage was founded on the promise of always striving to help people through the dreadful stage of buying insurance, however we don’t want to stop there! 7.5% of all proceeds are divided and donated monthly to the following organizations who’s causes we strongly stand by.

The Save Uighur

The Save Uighur Campaign is an educational and advocacy project aimed at raising public awareness and resolve to help the Uighur people. The project is a concerted effort to tie media exposure, public relations, and government action together into a single strategy aimed at the liberation of the Uighurs from the oppression they face at the hands of the Chinese government.

islamic relief canada

It is our goal to strengthen the relationship between our donors and our beneficiaries, as well as maintain a high level of transparency. Meet all the people you help. See our operations behind the scenes. And learn about all the incredible stories that happen along the way. Because at Islamic Relief, it’s always time to think bigger, do better, and build a stronger and more transparent charity that is truly for the people. So what are you waiting for? Come… follow your donation.

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Our mission is to fight the high insurance rates the people of the GTA are faced with, we take pride in delivering the quotes that insurance companies don’t want you to see! The rates we discover are generally 20-30% lower than what clients are paying!

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It does not matter whether you decide today or later- your best Automobile Insurance will always be through a licensed independent insurance broker. We can assure you that we have appropriate coverage for your Auto Insurance through financially sound and caring Automobile Insurance companies.

We will help you understand your Automobile Insurance and the options available to meet your needs, with our premiums being very comparative. Moreover, we will get you quote from multiple companies to keep your options open.

Coverage under Auto Policy
Ontario automobile insurance is one of the best policies available across North America, if not the entire world.

Liability (Bodily Injury & Property Damage)
Protects you and any legally licensed person driving your car with permission against lawsuits or legal action resulting from the use or operation of the insured vehicle.

Accident Benefits
Provides benefits that you and other insured persons are entitled to receive in the event of an automobile accident causing injury or death. Includes payments for reasonable medical expenses, income replacement, caregiver expenses, rehabilitation expenses ,and other expenses resulting from an auto accident.

Covers your automobile for damage resulting from upset or collision with the ground or other object.

Covers your automobile for damage caused by perils other than collision, such as fire, theft and vandalism.

Additional Coverages
Loss of Use (OPCF20)
Provides a specified limit for a rental vehicle while your vehicle is not in use as a result of a collision or comprehensive claim.

Increased Accident Benefits
Standard policy limits may not adequately protect you and your family. Hidden Ace Brokers can help you determine if increasing limits are right for you.

Non-Owned Automobile Extension (OPCF 27)
Covers for physical damage to a rental vehicle for you and other insureds.

Accident Protection Waiver (OPCF39)
Protects your driving record and policy rating in case you are involved in an at-fault auto accident.

Removal of Depreciation Coverage ( OPCF 43)
If you bought a new vehicle with ” Zero” mileage and it is not a demo vehicle, OPCF 43 protects you against depreciation in case of a total loss within 2 years. Some companies offer coverage up to 4 years as well.

Lien holder Protection (OPCF23A)
If your vehicle is financed OPCF23A is added to your policy to protect the interests of the lender.

Lessor Protection (OPCF 5)
If your vehicle is leased OPCF 5 is added to your policy to protect the interests of the lessor.

User Based Insurance
What is Usage-Based Insurance and How Will It Save Me Money?
Telematics are changing traditional auto insurance policies.

Have you not heard about how you can save on your auto insurance with telematics? Don’t worry; you’re not the only one. Telematics, or usage-based insurance (UBI), involves plugging wireless device into your car to gauge your driving habits. Connecting your My Driving Discount device is as easy as finding your On Board Diagnostics (OBD) port, which is usually under the dashboard, close to the steering column, at about the level of your feet.

By participating in the My Driving Discount program offered by Intact, you will be monitored for the following:

Sudden Braking
Abrupt Acceleration
Time and Distance DrivenThis data will be used to determine your personalized discount. This not only rewards good drivers with lower insurance rates but encourages better driving habits. Clients who enroll in the My Driving Discount program will save 10% immediately on their auto insurance with Intact and up to 25% at the time of their next renewal depending on your driving behaviour.