Insurance Broker Etobicoke

To the world, we are simply known as Toronto. To locals, we have our own name and are proud. We are Etobicoke! In 1998, Etobicoke  amalgamated with other municipalities of metro Toronto and formed the current City of Toronto.

Tip: Want the best city view of Toronto? Go for an evening walk at Humber Bay Shores Park, head as far North as you can where you will meet the end of the trail. From there you will see the stunning Toronto Skyline. Night time has a more vibrant view but daytime is equally beautiful.

Why Choose Filip Ambroziak?

That’s a great question! As a RIBO and LLQP licensed insurance broker, I am able to provide you with many different types of insurance from many different insurance companies. I have been serving Etobicoke residents for many years and have proudly insured many homes, cars and businesses!

Here are a few more benefits of working with Filip Ambroziak: 

Effortless Changes

Endorsements, additions, extensions, and changes are quick and stress free. No need to wait on hold for hours.

Complete Communications

Communication in insurance is vital. You can call, email or text us with any questions you may have.

Same Day Applications

Once a quote is created and accepted by the client, insurance applications can be issued same day!

Yearly Reviews

Curious if the insurance market changed this year? No problem, simply request a full policy review!

Quick Quote

You will have an insurance quote ready for your risk in under 20 minutes. Non-standard quotes may take longer.

Fee Free Consultations

Claims processing, coverage solutions, billing management and risk analysis via one representative.

Etobicoke Insurance Online.

That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through your broker. 

online insurance brokers

Request an Insurance Quote

Insurance Rates In Etobicoke

Over the last decade, Etobicoke has seen a steady but fair climb in insurance rates. The last two years however, insurance premiums surged. You may have noticed your insurance policy renewals increase by up to 20%. This is a result of the insurance companies tightening up by increasing rates and declining new business. This is called a hard market.

In simple terms, a hard market is the result of a series of events which cause insurance companies to pay out more in claims than received in premiums. It can occur for a specific line of business such as condo insurance or across all lines. When insurance companies are paying out more in claims, they are forced to do two things: Increase insurance rates and have stricter underwriting criteria.

 Etobicoke wasn’t the only city hit by the “insurance hard market” and luckily, it was not hit as hard as surrounding cities. Insurance companies still offer very competitive rates for Etobicoke residents and if you fit their underwriting criteria, you can find a very affordable insurance rate. An insurance broker will be happy to educate you further and keep you informed on the current insurance market.

If you would like to speak to an Etobicoke insurance broker and get a quote or simply ask an insurance related question, please call or text (416) 803-2113 or email

How To Get An Insurance Quote

Getting an insurance quote with Filip Ambroziak is very simple. You will have several options to get a quote.

Option 1: Phone Call. The simplest way to get an insurance quote is to give Filip a call. He will ask several questions depending on the insurance policy you are looking for. Questions may include your address, vehicle type, and driver’s history. You can call Filip directly at (416) 803 – 2113 or through the office at (905) 366-0066.

Option 2: Email. Feel free to send Filip an email requesting a quote, everything can be done from the comfort of your own home including all signing of applications and confirmation of insurance. You may email Filip Ambroziak at

Option 3: Text. This may be a little less common however we can do full quotes via text message. Feel free to send a text to (416) 803-2113 and we can continue from there!

Insurance in Etobicoke

Filip Ambroziak Insurance Broker

By Filip Ambroziak

Etobicoke is an amazing place to live. There are so many attractions and plenty of nature for those who enjoy walks. There has been a recent condo boom on the south side of Etobicoke in Mimico. Many new residents are calling it their home. With such a large boom in that area, many businesses  such as restaurants and bars are taking advantage and adding locations there. Clearly there are a lot of upsides to a growing populations, however there are downsides as well. One of those downsides is the rising costs of insurance.  

“Clearly there are a lot of upsides to a growing populations, however there are downsides as well. One of those downsides is the rising costs of insurance.  “

Combating the Rise of Insurance in Etobicoke

Anyone who has lived in Etobicoke over the last five years will agree that both home and auto insurance rates have been increase. There are different reasons for the increase between home and car insurance, in this article, we will focus on how to combat the auto insurance increases as those have been the most prominent. 

Step 1: Focus on the discounts. There are many discounts that you may qualify for and those do add up. A few common examples include: combining the home and auto insurance policy, winter tires and having several vehicles under one policy. Review your policy and if you have any questions, speak to your insurance broker. 

Step 2: Ensure that your current insurance company is still offering the lowest rate. In order to fully understand this concept, one must understand how insurance rates work which is beyond the scope of this article. To keep everything as simple as possible, insurance companies adjust their rates every few years for all postal codes. This means that the company that is best today, may not be the best for you in five years. We recommend doing a policy review every 2-3 years.

Step 3: Re-evaluate your coverage. This is a tricky one and it’s best to have a discussion with your broker as you may find yourself underinsured if done in correctly. If you have been holding onto your car for a long time, there is a large chance that the value of that vehicle has dropped so much that reducing your insurance coverage may be a good idea. Speak to your insurance broker and find out what your vehicle is valued at. 

Factors That Affect Your Personal Auto Insurance Rate in Etobicoke:

Below you will find some of the rating factors that insurance companies use to create your individual premiums:

  • Your address
  • Years insured
  • Marital status
  • Prior tickets and accidents
  • Years licensed 
  • Vehicle type
  • Prior insurance cancellations
  • The usage of your vehicle
  • Coverage chosen (liability only vs. full coverage)
  • Your deductible 



Frequently Asked Questions:

An insurance broker is a licensed insurance professional who is able to secure insurance through several different insurance companies. Depending on the license that broker has, he or she will be able to get insurance for your business, car, home, trip or life.

A deductible is the amount of money you are responsible for in the event of a claim. With car insurance, the most common deductible amounts are $500 and $1000.

Example: You are involved in an accident where you rear-ended another vehicle. Your cars damage is about $2500. If you have a deductible of $500, the amount the insurance company would give you is $2000. 

An insurance broker who is fully licensed may offer the following types of insurance:

  • Commercial
  • Personal Auto
  • Commercial Auto
  • Home
  • Travel
  • Life

There are several ways to reduce your rates in Etobicoke and the best way is to have a conversation with your insurance broker. A broker will be able to review your current policy and see if any discounts are missing or any information is missing. 

This is a very common question when it comes to Etobicoke auto insurance. Prices seem to be rising every year even for those who have no claims or tickets.

When it comes to auto insurance, the reality is that insurance rates are very dependent on how our neighbors drive. If everyone in Etobicoke is getting into accidents, your insurance rate will increase even if you personally have not had a claim.

Another factor that’s causing these insurance premium increases is the population growth in Etobicoke. More and more people seem to be moving to the city and the negative result of population growth is an increase in claims. .

There are many other factors which contribute to the rise in insurance costs in Etobicoke.

If you are currently using your vehicle for Uber, please notify your insurance broker. Every company has different rules when it comes to using a car for Uber.