Insurance Broker Milton
Speak to a Milton insurance broker and get quotes from Canada's best insurance companies. Call / text Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
Milton Insurance Quote
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Benefits of an Insurance Broker
Milton Insurance Broker
Milton has been a very popular city for new families who are starting their lives. With so many parks, greenery and overall a safe environment, it’s no surprise that Milton is quickly growing. Milton is still a new city where homes are generally much newer and the roads are well maintained.
When it comes to insurance, both home and auto insurance in Milton is much more affordable when compared to the cities closer to the core of Toronto.
When shopping around for any type of insurance, things can get complicated. Whether it’s selecting the right coverages, adding the correct endorsements or choosing the right limits, insurance can drive anyone crazy. This is where a knowledgably and experience insurance broker can help.
Insurance Rates in Milton and the Hard Market
During COVID, many insurance companies have frozen their rates which prevented premiums from increasing. If your personal record has changed, the premiums would be revised accordingly. Some insurance companies offered rebates to clients during times of lock down where people were driving much less.
Fast forward to today and life is almost completely back to normal and insurance companies are forced to increase rates due to the extreme inflation recently experienced. Along with premium increases, insurance companies are also tightening up their underwriting rules and making it tougher for clients to secure policies. This is known as a hard market.
Hard markets can last anywhere from three to five years. During a hard market, the best way to save some money is to review your renewals, get in touch with your insurance broker and see if any companies are offering better rates. Maintain a good record and ensure all discounts are offered.
Several Policies maintained by One Insurance Broker
There comes a time in life where responsibilities such as your job, family and chores begin to pile up. The last thing you want to do is add another job to that list.
With an insurance broker, all your policies can be maintained by one professional and all questions can be directed to that same broker. If you are looking to make a change to your home, auto, life or commercial policy, it can all be done in one phone call or email.
The Best Insurance Rates
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 Milton and in five years they may be one of the most expensive due to their claims ratio.
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.
Multiple insurance Companies
As mentioned previously, an insurance broker has access to several insurance partners. This means when you call a broker for a quote, you are actually receiving the best price from several insurance companies. It saves a lot of time compared to calling companies individually.
Insurance brokers have companies who do not deal with the public and can only be reached through a licensed insurance broker.
Insurance Expertise
Have insurance related questions? The best person to speak to is a fully licensed insurance broker who can offer expertise or guidance when it comes to your questions.
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.
How An Insurance Broker Can Get The Best Insurance Rates In Milton
Keep these three 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.
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.
Benefits of Working With Filip Ambroziak
Benefits of Working With a Milton Insurance Broker
Filip Ambroziak has been insuring the residents of Milton since the start of 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.
Same Day Policies
Milton Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through a broker.
Have Multiple Policies through one Broker
One of the biggest benefits of working with a Milton insurance broker is having all your insurance policies in one place. We offer Auto, Home, Commercial, Travel and Life insurance!
Insurance Broker Milton
- Serving Milton and all of the Halton Region!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
Frequently Asked Questions
Insurance companies use many different factors when creating an insurance rate. Outside of your individual factors such as your driving history and age, insurance companies use your address to determine the probability of you being involved in an accident based on prior statistics of that area.
Each insurance company will have experienced different claims ratios which means each company will have completely different insurance premiums for each postal code in Milton.
To summarize, there is no such thing as “the cheapest insurance company in Milton”.
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 Milton insurance broker who is fully licensed may offer the following types of insurance:
• Commercial
• Personal Auto
• Commercial Auto
• Home
• Travel
• Life
This is a very common question we get as insurance brokers. People in Milton want to know how their insurance rates compare to the rest of the Greater Toronto Area. The good news is that from our experience, Milton auto insurance rates on average are much lower when compared neighbours such as Mississauga and Brampton. People who move from Toronto or the surrounding areas to Milton usually notice a decrease in their auto insurance rates.
When it comes to property insurance rates, Milton is roughly the same when compared to the rest of the GTA.
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 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.