Insurance Broker Scarborough
Speak to a Scarborough insurance broker and get rates from Canada's largest insurance companies. Call / text (416) 803-2113 or email filipa@pbnet.ca.
Scarborough Insurance Quotes
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A Discussion about the current state of insurance in Scarborough
Scarborough Insurance
Scarborough has some of the most stunning parks you can find in Toronto. Anyone who has ever been to the Scarborough Bluffs will likely agree with that statement.
If its cold and you rather stay indoors, the Scarborough Town Center is a great place to take the family.
With so many great attractions, its no surprise Scarborough has been a place where many purchase homes and raise their families. Depending on where they are coming from, many drivers are surprised when they hear of their insurance rates.
The Insurance Market In Scarborough
Scarborough, along with all of Ontario, is feeling the weight of increased insurance rates. Whether its your home insurance or your car insurance renewal, rates have been on the rise for many years.
There are several reasons as to why this is happening, but the two leading causes are an increase in claims and general inflation.
Claims: Accidents are not just becoming more frequent in Scarborough, but they are also becoming more expensive. As new vehicles have more safety features which are great for keeping the passengers safe, they are also very costly if they ever need to be fixed. Many companies may reject fixing it and demand that the car be a total loss.
Inflation: Inflation has an effect on everything, and insurance is not immune to that. When building materials, car parts, rentals all increase in price, insurance companies need to pay those new costs for clients. This forces them to increase premiums for everyone.
Factors That Affect Your Personal Car Insurance Rate in Scarborough:
Insurance companies have complex rating algorithms which they use in order to create your insurance rate. Below you will find some of the rating factors that insurance companies use to create your individual premiums:
- Address
- Years insured
- Marital status
- Years licensed
- Insurance cancellations
- Tickets and accidents
- KM driven
- Vehicle year, make and model
- Usage of your vehicle
- Other drivers with access to your vehicle
- Coverage chosen (liability only vs. full coverage)
- Deductibles
Discounts
Everyone wants to know what discounts they are eligible for. There are so many discounts available, and for that reason its best to speak with your insurance broker. Below are a few examples:
- Bundle discount
- Monitored burglar and fire alarms in the home
- Winter tires
- Claims free
- Conviction free
- Anti-theft device
Our Goal in Scarborough
We have a goal to become one of the most well regarded insurance brokers in Scarborough and all of Toronto. We plan to do this by offering great service with the lowest prices.
As Scarborough is a growing city, the most common policies include: Auto and home insurance, Commercial property and car insurance, Commercial general liability insurance and Term and whole life insurance
If you would like to speak to a Scarborough broker, you may call (416) 803-2113 or email filipa@pbnet.ca. Once a quote is created, a policy can be bound the same day!
How A Scarborough Insurance Broker Can Help
Three tips in mind when purchasing 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.
We Will Make It Quick and Simple!
How To Get an insurance quote From Filip Ambroziak
Getting an insurance quote with Filip Ambroziak is very easy and quick. You 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 VIN, and all the driver’s histories. 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. 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?
The biggest reason to work with an insurance broker is the access a broker will have to certain insurance companies that the public does not.
Many major insurers will not quote or issue policies to the public directly. They want experienced and knowledgeable insurance brokers who can help customers with their needs.
Benefits of Working With Filip Ambroziak
Benefits of Working With a Scarborough Insurance Broker
Filip Ambroziak has been insuring Scarborough 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, commercial, travel and life insurance products. Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca.
Same Day Policies
Scarborough 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 Insurance Broker
Keep your auto, home, investment properties, businesses and trips all insured with one broker.
Request an Insurance Quote
- Serving Scarborough and all of Toronto!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
Frequently Asked Questions
This is a very common question we receive. The best way to keep your rates down for both home and auto is maintaining good insurance records. Do your best to avoid claims, do not get tickets when driving and never miss any insurance payments. Having a non-pay cancellation on your insurance history can increase your premiums by a lot!
Missing a payment on your insurance policies is never good, however if its your first time, their may be solutions. Contact your insurance broker right away if you see a payment has bounced.