Insurance Broker Kitchener
Contact a Kitchener insurance broker and get quotes from Canada's best insurance companies. Call or text (416) 803-2113
Kitchener Insurance Quotes
Please Choose one of the options below
A Discussion about the current state of insurance in Kitchener
Insurance in Kitchener
With a growing population of over 256,855, Kitchener is becoming a very popular area for Torontonians to settle down. With many families and well-priced real-estate, it’s an excellent city for the millennial generation!
Did you know that the city of Kitchener was once called Berlin? In 1916 after the British field marshal Lord Kitchener.
Are Kitchener insurance rates increasing or decreasing?
This is a very tough question to answer. Insurance pricing is very complex and involves many individual/personal factors.
Insurance has been increasing overall in Ontario due to all the thefts, claims and general inflation. However, if you record is getting better, your insurance may decrease even if general rates are increasing.
The truth is that everyone’s situation is completely different. Your premium can be dropping, while your next door neighbor could double.
How to Keep Your Rates Low
As mentioned above, we do see a trend of increasing rates in the near future. For this reason, its vital to do everyone you can to keep your rates low.
- Shop around. This is where a broker can help as they have access to many companies and some that the public cannot get quotes from.
- Discounts. Check which discounts you are eligible for. Some include the winter tire, retiree and bundle discount.
- Do not miss any insurance payments. Missing a payment can have serious consequences so its best to avoid it all together.
Below you will find some of the rating factors that insurance companies use to create your individual premiums:
- Years insured
- Years licensed
- Vehicle type
- Prior insurance cancellations
- Marital status
- Your address
- Prior tickets and accidents
- Your deductible
- Coverage chosen (liability only vs. full coverage)
- Usage of your vehicle
RIBO Licensed Insurance Broker in Kitchener
RIBO is the governing body of insurance brokers. As a client, its always great to check that the broker you are working with is actively licensed. You may do so by following this link: https://www.ribo.com/broker-search/
How An Insurance Broker Can Get The Best Insurance Rates In Kitchener
Keep these three tips in mind when buying an insurance policy.
01
Discounts
As experienced insurance brokers, we know the discounts that each unique company offers.
02
Coverage
Insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.
03
Multiple Companies
As an insurance broker, we have access to many insurance companies and check the best rates for you.
Make It Quick and Simple!
Why Work With an Insurance Broker?
There are many reasons to work with an insurance broker. Most also do not charge any fees!
The main reason to work with a broker is their access to insurance markets which the public does not have. Brokers have contracts with many commercial, auto and home insurance carriers that only offer products through brokers. They prefer this method as the broker can inform the clients on correct coverage options.
How To Get an insurance quote
Getting an insurance quote with Filip Ambroziak is very easy. You will have a few options to get a quote.
Option 1: Phone Call. You can call Filip directly at (416) 803 – 2113 or through the office at (905) 366-0066.
Option 2: Email. You may email Filip Ambroziak at filipa@pbnet.ca.
Option 3: Text. Feel free to send Filip a text to (416) 803-2113 and we can continue from there!
Benefits of Working With Filip Ambroziak
Benefits of Working With a Kitchener Insurance Broker
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
Kitchener Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through a broker. Contact us below!
Have Multiple Policies through one Broker
One of the benefits of working with a Kitchener insurance broker is having all your insurance policies in one place. Simply call your broker and make changes for all your policies at once!
Request an Insurance Quote
- Serving Kitchener, Waterloo and Cambridge!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
Frequently Asked Questions
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.
A Kitchener insurance broker who is fully licensed may offer the following types of insurance: