Insurance Broker in Oakville

As RIBO and LLQP licensed insurance brokers, we are able to auto, home, commercial travel and life insurance to Oakville residents. 

With over a decade of experience, Ambroziak & Rao Insurance Brokers has been insuring many Oakville businesses (both small and large) vehicles, homes, rental properties, commercial vehicles and much more. 

Had a few tickets or accidents on your record? We can offer high risk insurance as well. 

For a quote, simply call us at (416) 803 – 2113 or email

Request an Insurance Quote!

Oakville Insurance Online.

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

online insurance brokers

Oakville Insurance Quotes

Why Choose Filip Ambroziak?

Great question! As an insurance broker, I am not quoting insurance from one company, I have access to many! Since I have so many options, I can simply give you the best coverage at the best rate. 

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

Yearly Reviews

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

Complete Communications

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

Effortless Changes

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

Quick Quote

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

Same Day Applications

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

Fee Free Consultations

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

Oakville Insurance Broker

How can an insurance broker help you? 

Insurance brokers have access to multiple insurance carriers who do not offer their products directly to the public. An insurance broker will be able to shop all of those insurers and offer you the best coverage at the most competitive price.

At Ambroziak & Rao Insurance Brokers, all of our brokers can be reached via email, personal phone or text so you never need to worry about long wait times. 

Do you have insurance related questions? Thats what a broker is here for! We will manage all of your insurance products and service them as required. Changes, updates, additions and endorsements are all done directly through your broker.

As a RIBO and LLQP licensed insurance broker, we can offer auto, home, life, travel and commercial policies. 

If you would like a quick quote of have general questions on the current insurance market, please call Filip Ambroziak at (416) 803 – 2113 or email

Keeping Insurance Rates Low

Previously, we have been focusing our efforts on serving Mississauga and after much success, decided to expand into the Oakville territory where rates are most stable. As many may know, the insurance industry is currently going through a “hard market” which means insurance rates are increasing drastically and underwriting is tightening up. 

You may notice your current insurance policy’s rate increase making this a perfect time to shop around to see which companies are offering the best premium for your location. 

Be sure to bundle up your home and auto insurance to maximize savings on your policies. 

Do you have a small commute? Are you retired? Married? These are questions that could help you save on your insurance policies. 

Our Goal In Oakville

 Our goal is to become the most recognized insurance brokers in Oakville just as we did in Mississauga. We plan to achieve this by continuing our high standards of service and maintaining strong relations with our insurer partners to offer the best possible prices on the market.

Oakville is home to many families all of which are constantly changing. As your insurance broker, we are here to help you whenever it’s needed. Weather that means adding a new vehicle or creating a brand new life insurance policy, a friendly professional will always be willing to assist. 

If you are looking for a quick insurance quote or have other insurance related questions, please call or text (416) 803-2113 or email  

What Our Clients Have to Say

Frequently Asked Questions

Common insurance related questions

Insurance companies in Ontario use many factors to determine an insurance rate. There are many individual factors such as age, gender, type of vehicle and loss history that a company may use to determine your rate. 

Insurance companies also update rates regularly. 

To answer the question as simply as possible: The only way to figure out which insurance company is cheapest in Oakville, is to regularly shop around. 

This is a common question insurance brokers get in Oakville. Luckily, the answer is one brokers enjoy giving: Oakville insurance rates are on average better than the Greater Toronto Areas. 

Oakville has very good claims ratios as a city and for that reason, insurance companies can offer more competitive rates.

When purchasing insurance, you generally have three options, the first is to buy online.

If you understand insurance well and know exactly what you are purchasing, purchasing online can be a good choice. 

The second option is to purchase through an insurance agent. Agents work with only one company and can offer coverage with that specific company. 

The third option is working with an insurance broker. Insurance brokers deal with multiple insurance companies, not just one. They also have access to much more insurance options, not just the common auto and home. Brokers offer insurance for businesses, commercial auto, life, health, travel etc. Contrary to popular belief, purchasing insurance through a broker is not more expensive than buying online. Brokers in many cases are less expensive than purchasing online! 

When insurance brokers say “full coverage” what they mean is the standard mandatory insurance (Liability, DCPD…etc) along with collision and comprehensive coverage. In short, that is the coverage that covers damages to your own vehicle should an accident be your fault. There is usually a $500 or $1000 deductible applied.

Collision and comprehensive insurance is not legally required to drive in Ontario. Third Party Liability is mandatory. 

If you are purchasing a vehicle and financing it, finance companies will require that the car is insured with “full coverage” in order to get the loan.