Plenty of indies charge less than agencies. If you don't believe me, look on the Montreal version of BP or CL. You will find escorts that charge less. You may find a bargain but my advice to you is if you live out of town and your hobby time or budget is precious than do not search for bargains.
Sound advice
The good indy girl that you can find from those site, and who do charge less, are mainly working out of Montreal. They are in Laval, Brossard, Terrebonne and even St-Jerome or St-Jean... Which is way too far for a visitor. For visitor staying with Merb Indies or agency is the big first steps towards having a great time in this city
Cheers,