Auto Insurance Kitchener

Home to Conestoga College, Kitchener is the fourth largest city (population) with over 470,000 people! That’s a lot of cars!

Auto Insurance in Kitchener, Ontario

Driving along the Conestoga Parkway can sometimes feel like the 401 highway…It makes you want to give up on wherever you are going! Too bad life isn’t that simple: traffic too heavy? No problem, stay home today. 

That would surely help the Kitchener auto insurance rates as it would decrease the car density resulting in a lower overall claims ratio. 

Although there is little to be done about the Kitchener traffic jams, there is a lot that can be done wen it comes to securing yourself in case of an accident on one of these busy roads! 

Did you know that if you hit someone from behind in a traffic jam, it is almost always at-fault for you? Why do we bring this up? Well, as Kitchener is becoming more congested, we are starting to notice more “multi-vehicle collisions”. If you are stuck in the middle of these and are hit from the back making you collide with the person in front, you will likely now have an at-fault accident on your insurance record. If you do not have accident forgiveness on your policy, you may see your renewal premium jump by up to 150%.Thats the last thing you would want because you are rated for that accident for 6 long years! 

How Do You Properly Cover Yourself in Kitchener?

Your friends at Ambroziak & Rao Insurance Brokers can help you out. The most important coverage to have is accident forgiveness. For a majority of auto insurance companies, you need to have a clean record for 6 years to be eligible for the coverage. Some companies offer it regardless of years insured in Canada. 

The best way to get a good insurance premium in Kitchener and include all possible coverages that you can get is to speak to an insurance broker and shop all the insurance companies in Ontario.

If you would like a quick quote or have any general insurance questions, you can call Filip Ambroziak at (416) 803-2113 or email him at 

We look forward to hearing from you! 

Request a Car Insurance Quote

  • Serving Kitchener, Waterloo and Cambridge!
  • Monday - Friday: 10:00am - 5:00pm
  • (416) 803-2113