Insurance Broker Pickering
Speak to a Pickering insurance broker and get rates from Canada's best insurance companies. Call (416) 803-2113.
Pickering Insurance Quotes
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The current state of Pickering insurance
Insurance in Pickering
With over 3000 businesses calling Pickering their home, it is another city we believe will continue to grow at a very fast pace. The current population is about 91,000 and it is projected to grow to 185,000 by 2031.
Pickering is also a safe city with many beautiful parks. A perfect city for a growing family. Check out some of Pickering’s parks for yourself!
Where are the rates in Pickering heading?
We know that many people living in Pickering are getting their insurance renewals and may be nervous about potential increases. Although you can expect premium increases due to all the thefts, break ins and cost of living increases, Pickering is one of the cities where insurance rates are quite affordable when compared to neighboring cities.
As for the question on where the rates are heading, the unfortunate news is that as long as thefts and claims are rising, and the costs to repair and replace vehicles or homes also increases, our insurance rates will follow that lead.
How to combat insurance increases with an Insurance Broker
If you have lived in Pickering for the last several years, you will likely agree that rates for both auto and home have been increasing. There are several ways that an insurance broker can help you keep those increasing rates as low as possible this year and for years to come.
Step 1: Discounts. There are several discounts that you may qualify for and those do add up. A few common examples include: bundling your home and auto insurance together, winter tires and placing all your 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: Check your coverage. This is a tricky one and it is best to have a discussion with your insurance 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 to one-way insurance may be a good idea. Speak to your insurance broker and find out what your vehicle is valued at.
Insurance brokers are fantastic sources of information and will happily review your situation and offer up the best solution. Speak to a Pickering insurance broker today!
Factors That Affect Your Personal Auto Insurance Rate in Pickering:
Below you will find some of the rating factors that insurance companies use to create your individual premiums:
- Drivers in household
- Marital status
- Address
- Years insured
- Prior tickets and accidents
- The usage of your vehicle
- Coverage chosen (liability only vs. full coverage)
- Deductible
- Years licensed
- Vehicle type
- Prior insurance cancellations
How An Insurance Broker Can Get The Best Insurance Premiums In Pickering
Keep these 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!
Why Work With an Insurance Broker?
That is a great question to ask. Insurance brokers are still the most common way to buy insurance. The three most popular ways to purchase insurance policies is through brokers, agents or online websites.
One of the biggest benefits that many clients enjoy when using an insurance broker, is having one point of contact for all their insurance needs. Most people require several insurance policies including auto, home, rental properties, businesses and so on. Having one person look after all your needs is time saving and convenient.
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!
Benefits of Working With Filip Ambroziak
Benefits of Working With a Pickering Insurance Broker
Filip Ambroziak has insured many homes, cars and businesses in Pickering and knows the city quite well. As a RIBO (Registered Insurance Brokers of Ontario) and LLQP (Life License Qualification Program) licensed insurance broker, he can offer home, auto, commercial, travel and life insurance products. Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca.
Same Day Policies
Pickering 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 Pickering insurance broker is having all your insurance policies in one place.
Request an Insurance Quote
- Serving Pickering and the entire Durham Region!
- 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. Home Insurance also commonly has $1,000 deductibles by many companies are now making the minimum $2,500.
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 (this is a simple way to look at it, in actuality, its more complicated).
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. General the Uber portion is covered by a master policy, but your personal insurer still needs to be notified.