Insurance Broker Hamilton

Contact a Hamilton insurance broker and get quotes from Canada's largest insurance companies. Call / text Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.

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Hamilton Insurance Quote

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Benefits of an Insurance Broker

Hamilton Insurance Broker

cheapest auto insurance quotes

Hamilton is one of the most scenic cities in all of Ontario. Don’t believe us? Take a hike…at Albion Falls or Tiffany Falls Conservation Area! You will see a few of the many stunning waterfalls Hamilton has to offer. With it’s stunning parks and trails, Hamilton has become home to many people and is constantly growing at a fast rate. This has caused a surge in insurance claims making premiums more and more expensive. 

Hamilton has been a rapidly growing city for very good reasons. Being close to the water, many job openings and in many cases affordable housing, Hamilton has been ideal for young families. 

Insurance Rates in Hamilton and where they are heading

Hamilton insurance rates have been on the rise, just like the majority of cities in Ontario. The one upside is that when comparing Hamilton to other cities in the GTA, it certainly has much better rates. 

Insurance premiums will unfortunately continue to climb as the city grows and with inflation as it currently is. Home repairs and auto parts have become very expensive which translates to higher insurance costs. 

Claim are also increasing in both frequency and cost. Fixing a vehicle is not as cheap as it used to be. A simple fender bender can cost insurance companies tens of thousands of dollars to replace. 

How to Keep Your Insurance Rates Low

Although premiums are continuing to rise, there are ways to keep your insurance policies more affordable. 

  1. Ensure you have all the eligible discounts. This includes winter tires, claims free, multi-policy, multi vehicle and many more. 
  2. Shop the market. Speak to a broker who will assist you in checking multiple insurance companies to see which one offers you the best rates. 
  3. Maintain a good record. Stay away from tickets and do your best to avoid accidents. Never miss an insurance payment as that can increase your insurance costs.

Insurance Rate Cycles

Insurance as an industry is cyclical. Rates change every several years but generally go in a big circle. Today, one company may offer the best insurance rates in Hamilton and in five years they may be one of the most expensive due to their claims ratio. For this reason, its a great idea to have your broker recheck your policies every several years to ensure you are up to date. 

Since an insurance broker has access to many insurance companies, if one company has extreme rate increases, its very simple to be moved to a new insurance company. 

Insurance Expertise

An insurance broker is a great source for any insurance information.

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

Filip Ambroziak's Reviews

Below you will find reviews Filip received over the last 10 years:

5.0
Based on 71 reviews
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Dominic Kulikowski
15:09 13 May 25
Very helpful and goes out of his way to help me solve my insurance problems.
bialy99
18:48 10 Feb 25
Barazani Designs
20:40 21 Jan 25
Filip has always given me the best prices you can find. He’s also very easy to reach on the phone. Tried a few places including Onlia and he always ends up the cheapest. Amazing service.
Weronika
16:55 15 Jan 25
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
Octavian Draghici
17:33 11 Dec 24
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.
Jordan Smith [Staff]
18:53 03 Jan 24
Karolina Wilczynski
17:36 23 Nov 23
I highly recommend Filip Ambroziak for your insurance needs. He is knowledgeable and provides fast and friendly service. Filip was able to find me excellent rates. Thank you Filip!
Lejla A
15:57 27 Oct 23
Filip is the best! Always there to help with fast and accurate answers. Highly recommend.
Franklin C. Silva
16:51 04 Oct 23
Professional, fast, diligent, 100% recommended! A+ Service.
Mateusz Kwiatkowski
20:05 30 Aug 23
Great, friendly and fast communication. He is always looking for the best option for you. Full professionalism. I recommend it very strongly.
Xyz Xyz
15:25 29 Aug 23
I’ve never had any problems with Filip. He’s a very competent, professional, polite and supportive agent.
Martha Blaszczyk
21:35 13 Jun 23
Filip was so helpful and efficient in finding me the best possible auto insurance! Highly recommend him if you’re looking for an insurance broker that will go above and beyond to meet your needs
Miriam Rebolo
04:13 25 Nov 22
I really enjoy working with Pilip! He is very helpful and on top of his game! He goes above and beyond for his clients and I am very thankful for his service.My entire family are his clients.Definitely a great person to have in your corner for instance!Thank you Filip!
Christiane Kuehn
17:45 09 Nov 22
Filip was super helpful and provided us with the best insurance quote, all the information needed and answered all our questions immediately. The whole process from getting the quote to signing the papers and receiving the insurance papers was very well managed and very professional. I can only recommend Filip. Thank you for all your help!
Selena Ali
20:24 27 Sep 22
Filip is great and is super polite and professional! I have a great insurance rate and policy thanks to him! 🙂
Alexandra Leclerc
13:18 01 Jul 22
Filip has been very quick to respond and adjust my car insurance to fit my needs. He is very polite and it has been a pleasure to set up my car insurance with him. I have not made any claims yet but will update this if I ever have to.
LARISSA DLUGOSH
12:59 16 Mar 22
I highly recommend working with Filip if you are looking for prompt responses, fast results and great prices. He was able to get us an awesome insurance quote in 2 days compared to weeks with other companies and waiting for call backs. I am very happy I decided to call Filip.Thank you!
See All Reviews

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

Keep these tips in mind when purchasing an insurance policy.

01

Multiple Companies

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

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

It's Quick and Simple!

Why Work With an Insurance Broker?

Working with an insurance has several benefits from simplicity, convenience and coverage options. But one of the most important benefits is access to insurance companies that the public will not have access to. 

Major insurance companies will not offer policies to customers without a broker. They want customer to ensure they understand all coverage options and a broker is the best source for that.  

Benefits of Working With Filip Ambroziak

Benefits of Working With a Hamilton Insurance Broker

Filip Ambroziak has been insuring Hamilton residents for over 10 years. As a RIBO (Registered Insurance Brokers of Ontario) and LLQP (Life License Qualification Program) licensed insurance broker, he can offer auto, home, investment property, tenant, commercial, travel and life insurance products. Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca. 

Hamilton Insurance Online.

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

online insurance brokers

Have Multiple Policies through one Broker

One of the biggest benefits of working with a Hamilton insurance broker is having all your insurance policies in one place. We offer Auto, Home, investment property, Commercial, Travel, Life insurance and many more! 

Request an Insurance Quote

FAQ

Frequently Asked Questions

When comparing to cities such as Mississauga, Brampton and Toronto, Hamilton has fantastic rates. In some cases they can be half the price that companies charge for auto insurance. 

Home insurance can be more expensive if you live in a high flood area. 

When insurance brokers say “full coverage” what they mean is the standard liability insurance 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.