Insurance Broker Barrie
Speak to a Barrie insurance broker and get quotes from Canada's largest insurance companies. Call or text (416) 803-2113.
Barrie Insurance Quotes
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The current state of Barrie insurance
Insurance in Barrie
Barrie is located about an hour north of Toronto. It has a population of of about 147,000 people and is one of Canada’s fastest growing cities.
It is a city that many families are choosing to call home as its very close to Toronto, but does not have the Toronto hustle and bustle or their home prices. As families grow, Barrie becomes a top pick for them to move to.
The Insurance Hard Market and How It Affects Barrie
It feels like Ontario has been in a hard market for a very long time. To make things worse, we have seen a huge increase in inflation along with a lot more claims occurring. Normally a hard market in the insurance industry lasts around five years, but this time we may simply be entering a new normal of higher insurance rates.
The silver lining to this is that Barrie has much more affordable auto insurance rates when comparing to cities in the Greater Toronto Areas. In many cases, insurance rates could be up to 50% lower. Barrie has a much smaller populations with less congestion on the roads.
How to Keep Insurance Rates Low in Barrie
Many customer are noticing their insurance rates increasing on renewal. This is actually the best time to shop for new insurance rates as the company would not charge you any cancellation fees if you switch on your renewal date. Here are a few ways an insurance broker can help you save on your premiums.
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 not 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.
A broker is a great source of information on how to reduce your insurance costs. Experienced insurance brokers have seen it all and are always happy to assist you.
Factors That May Affect Your Auto Insurance Rate in Barrie:
Below you will find some of the rating factors that insurance companies use to create your individual premiums:
- Marital status
- Prior tickets and accidents
- Years licensed
- Vehicle type
- Prior insurance cancellations
- Your address
- Years insured
- Drivers in household
- The usage of your vehicle
- Coverage chosen (liability only vs. full coverage)
- Your deductible
How An Insurance Broker Can Get The Best Insurance Rates In Barrie
Keep these three tips in mind when purchasing an insurance policy.
01
Coverage
Insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.
02
Multiple Companies
As an insurance broker, we have access to many insurance companies and check the best rates for you.
03
Discounts
As experienced insurance brokers, we know the discounts that each unique company offers.
We Will Make It Quick and Simple!
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 easiest way to get a quote is to give Filip a call. 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!
Why Work With an Insurance Broker?
Working with an insurance broker has many benefits. One of them is the ease and convenience of maintaining all your policies in one place. Many people have multiple policies including home, auto, investment property, life and commercial policies. Keeping them with one representative makes it a lot easier to make updates and changes.
Another 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.
Benefits of Working With Filip Ambroziak
Benefits of Working With a Barrie Insurance Broker
Filip Ambroziak has been insuring the residents of Barrie and its surrounding areas for over a decade. 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.
Same Day Policies
Barrie Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through your broker.
Have Multiple Policies through one Broker
One of the biggest benefits of working with aa Barrie insurance broker is having all your insurance policies in one place.
Request an Insurance Quote
- Serving Barrie and all of Simcoe County
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
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.
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.