Insurance Broker Oakville

Speak to an Oakville insurance broker and get quotes from Canada's top rated insurance companies. Call or text (416) 803-2113

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Oakville Insurance Quotes

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Benefits of Working With Filip Ambroziak

Benefits of Working With an Oakville Insurance Broker

Filip Ambroziak has been insuring Oakville residents since the start if his career. 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. 

A Discussion about the current state of insurance in Oakville

Insurance in Oakville

cheapest auto insurance quotes

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. 

The Future of Oakville Insurance Rates

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.

Factors That Affect Your Personal Auto Insurance Rate in Oakville:​

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 
How Are the current insurance rates in Oakville?

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.

How Filip Ambroziak Can Get The Best Insurance Rates In Oakville

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

01

Multiple Companies

As an insurance broker, I have access to many insurers and can get the best rate.

02

Coverage

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

03

Discounts

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

We Will Make It Quick and Simple!

Why Work With an Insurance Broker?

That is a great question to ask. Insurance brokers are still the most popular way to purchase insurance. The three most common ways to purchase insurance policies is through brokers, agents or online websites. 

The benefit that you get by working with an insurance broker which you wouldn’t get anywhere else is access to more insurance companies. Many insurance companies do not offer quotes to the public directly and you must go through a broker. By going through a broker, you are more likely to get competitive rates with great coverage.

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 filipa@pbnet.ca.

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

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

Have Multiple Policies through one Broker

One of the biggest benefits of working with an Oakville insurance broker is having all your insurance policies in one place.

Request an Oakville Insurance Quote

FAQ

Frequently Asked 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. 

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. 

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