Insurance Broker Oakville

Oakville is a beautiful suburb west of Toronto with great schools and many wonderful businesses to accommodate it’s residents. A drive up to Lake Shore Blvd. will offer a stunning bike path along the water with many kilometers of trails. 

Filip Ambroziak has been proudly insuring the residents of Oakville since he started his career as an insurance broker. Filip offers auto, home, commercial, life and travel insurance. If you are interested in getting a quote in Oakville, please call Filip at (416) 803-2113 or email him at filipa@pbnet.ca. 

Why Choose Filip Ambroziak?

As a RIBO and LLQP licensed insurance broker, Filip can offer several different insurance policies such as home, auto, commercial and life from many different insurance companies. That means more choices and better prices for clients. 

Filip Ambroziak has insured the cars, homes and businesses of many Oakville residents and is proud to offer competitive rates with great coverage options. 

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

Same Day Applications

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

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!

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.

Yearly Reviews

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

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

Request an Insurance Quote

Oakville Insurance Rates

The insurance industry is currently going through a “hard market” which means insurance rates are increasing drastically and underwriting is tightening up. This is a result of high claim costs as well as high frequency of claims. This leads many to the question: how are Oakville insurance rates? 

Luckily for Oakville residents,  rates are very competitive for auto, property and commercial insurance when compared to other cities in the Greater Toronto Areas.

Although Oakville insurance rates are still quite good, you may notice your current insurance policy’s rate increase. This a perfect time to shop around to see which companies are offering the best premium for your location. Each company will have different premiums for every postal code. Insurance companies are constantly changing their rates as well meaning the company that was best five years ago may not be today.

Its always a good idea to review your insurance policy and shop the market to confirm you are getting the best rate. 

If you have any questions at all, feel free to call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.

Our Goal In Oakville

 Our goal is to become the most recognized insurance brokers in Oakville. 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 and their lives are constantly changing. As your insurance broker, we are here to help you whenever it’s needed. Whether 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 filipa@pnet.ca.  

Insurance in Oakville

Filip Ambroziak Insurance Broker

By Filip Ambroziak

Oakville is a great place to live. With so many parks to visit and places to shop at, it’s no surprise that Oakville is one of Canada’s best suburbs. Before moving to Oakville, many potential residents want to know how much their insurance policies will cost. I can confidentially say that auto insurance rates in Oakville are very good when compared to their neighboring cities. Home insurance prices however are usually on the higher side simply because a majority of Oakville homes are custom built or have high end finishes which result in high insurance premiums. 

“I can confidentially say that auto insurance rates in Oakville are very good when compared to their neighboring cities.”

The Future of Oakville Insurance Prices

A common question that all insurance brokers in Oakville receive is “Will my insurance increase next year”. That is a really tough question to answer as it not only depends on your own personal record, but the records of all your neighbors in Oakville. 

If Oakville begins seeing an influx of auto and home insurance claims, than the rates for all Oakville residents will increase regardless of your personal record. The reverse can also occur: if Oakville has less claims, Oakville rates may decline, however if you personally have several claims, your rate will increase. 

The best thing you can do is focus on your own record and do your best to avoid accidents, tickets or home claims. Always maintain your home and car and do your best to drive safely.

What Affects Your Insurance Rate?

As a driver, you only have control over your own record. Try your best to drive safe and don’t get tickets. Below you will find some of the factors that affect your insurance rate.

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

FAQ

Frequently Asked Questions:

An insurance broker is a licensed insurance professional who does not just work for one insurance company (agent) but is contracted with many. This makes it easier for the insurance broker to find the best coverage at the best premium because they have no interest in placing a client with one specific company. They work for the client, not the company. 

An Insurance broker also is able to write several types of insurance policies, not just the standard home and auto. Examples include: Commercial and professional insurance or life insurance.

A deductible is the amount of money that you would have to pay for the claim before the insurance company pays out. You cover this portion of the claim costs, and the insurance company will cover the rest. 

If you have a $1000 deductible on your policy and you get into an at-fault accident costing about $5000 to repair, your claim would look similar to this:

$1000 is paid by you, the remaining $4000 is covered by your insurance company. 

This applies to all types of insurance policies such as home and commercial. 

The lower your deductible, the higher your yearly premium will be. 

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. 

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. 

What Our Clients Have to Say