To get lower rates, try increasing your qualifying period to 6 months or more. The standard is 3 months, and the average disability is only 1-2 years, so expanding to 6 months before receiving a payout could help you, and cover the real needs, which is the risk of many years of no work, not 6 months of no work...
Next, see if the plan is one that is a second payer, so any worker compensation for injuries reduces the amount the insurance pays out. The quality plans don't reduce coverage but cost more.
Third, what do you need as a "disability"? the ability to work the same job or similar pay, or the ability to work ANY job?
Also, for CDN's, your CPP will offer some disability insurance... e.g., if you have paid in for a long time, you could get $750 or even $1200 per month from CPP.