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Insurance Broker Kitchener

Contact a Kitchener insurance broker and get quotes from Canada's best insurance companies. Call or text (416) 803-2113

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Kitchener Insurance Quotes

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A Discussion about the current state of insurance in Kitchener

Insurance in Kitchener

cheapest auto insurance quotes

With a growing population of over 256,855, Kitchener is becoming a very popular area for Torontonians to settle down. With many families and well-priced real-estate, it’s an excellent city for the millennial generation! 

Did you know that the city of Kitchener was once called Berlin? In 1916 after the British field marshal Lord Kitchener. 

Are Kitchener insurance rates increasing or decreasing?

This is a very tough question to answer. Insurance pricing is very complex and involves many individual/personal factors. 

Insurance has been increasing overall in Ontario due to all the thefts, claims and general inflation. However, if you record is getting better, your insurance may decrease even if general rates are increasing. 

The truth is that everyone’s situation is completely different. Your premium can be dropping, while your next door neighbor could double. 

How to Keep Your Rates Low

As mentioned above, we do see a trend of increasing rates in the near future. For this reason, its vital to do everyone you can to keep your rates low. 

  1. Shop around. This is where a broker can help as they have access to many companies and some that the public cannot get quotes from.
  2. Discounts. Check which discounts you are eligible for. Some include the winter tire, retiree and bundle discount. 
  3. Do not miss any insurance payments. Missing a payment can have serious consequences so its best to avoid it all together. 
Factors That Affect Your Car Insurance Rate in Kitchener:

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

  • Years insured
  • Years licensed 
  • Vehicle type
  • Prior insurance cancellations
  • Marital status
  • Your address
  • Prior tickets and accidents
  • Your deductible 
  • Coverage chosen (liability only vs. full coverage)
  • Usage of your vehicle
RIBO Licensed Insurance Broker in Kitchener

RIBO is the governing body of insurance brokers. As a client, its always great to check that the broker you are working with is actively licensed. You may do so by following this link: https://www.ribo.com/broker-search/

Filip Ambroziak's Reviews

Below you will find reviews Filip received

"Filip was great, ensured I was able to obtain my insurance on time and was patient with all questions. Highly recommend"
Robert Wang
"Filip is an excellent broker! He was always available for questions and went above and beyond to help me and my husband get auto and tenant insurance! Will recommend him to friends and family"
Weronika
"My experience with "Filip Ambroziak Insurance" was exceptional. From their friendly and knowledgeable team to their commitment to customer satisfaction, I highly recommend them to anyone searching for reliable insurance services."
Octavian Draghici
"I had a great experience working with Filip Ambroziak. He is knowledgeable, patient, and explained all the details clearly. The process was smooth, and they helped me find the best coverage for my needs at a competitive rate. I truly appreciate their professionalism and quick responses."
Siva Vinay
"I needed business insurance and wasn't sure which company to go with so I google searched for insurance brokers and came across Filip's. I'm so happy I chose to go forth with his company. His service is excellent. He was very helpful and patient with clarifying things I wasn't sure of and had questions about. He ensured I got the right coverage and pricing was very reasonable. The whole process was quick and he made it as straightforward as possible. I would recommend his services to anyone needing insurance! Thank you again Filip!"
Elsa Ngo
"Filip has been my insurance broker for 5 years now and it has been fantastic working with him. He always gets me exactly the type of policy I need for the best value. He’s a very friendly and easy going guy which makes it easy to communicate, whether by phone, email or text. Overall he’s made my experience with insurance effortless and enjoyable and I would recommend him to anyone."
Patrick Myszkal

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How An Insurance Broker Can Get The Best Insurance Rates In Kitchener

Keep these three tips in mind when buying an insurance policy.

01

Discounts

As experienced insurance brokers, we know the discounts that each unique company offers.

02

Coverage

Insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.

03

Multiple Companies

As an insurance broker, we have access to many insurance companies and check the best rates for you.

Make It Quick and Simple!

Why Work With an Insurance Broker?

There are many reasons to work with an insurance broker. Most also do not charge any fees! 

The main reason to work with a broker is their access to insurance markets which the public does not have. Brokers have contracts with many commercial, auto and home insurance carriers that only offer products through brokers. They prefer this method as the broker can inform the clients on correct coverage options. 

How To Get an insurance quote

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

Option 1: Phone Call. You can call Filip directly at (416) 803 – 2113 or through the office at (905) 366-0066.

Option 2: Email. You may email Filip Ambroziak at filipa@pbnet.ca.

Option 3: Text. Feel free to send Filip a text to (416) 803-2113 and we can continue from there!

Benefits of Working With Filip Ambroziak

Benefits of Working With a Kitchener Insurance Broker

As a RIBO (Registered Insurance Brokers of Ontario) and LLQP (Life License Qualification Program) licensed insurance broker, he can offer auto, home, commercial, travel and life insurance products.  Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca. 

Contact Us

Effortless Policy 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.

Quick Quotes

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

Same Day Policies

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

Kitchener Insurance Online.

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

online insurance brokers

Have Multiple Policies through one Broker

One of the benefits of working with a Kitchener insurance broker is having all your insurance policies in one place. Simply call your broker and make changes for all your policies at once!

Request an Insurance Quote

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

FAQ

Frequently Asked Questions

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. 

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