High-Risk Auto Insurance in Mississauga
Ambroziak & Rao: Helping High-Risk Drivers Across Mississauga
At Ambroziak & Rao, we help Mississauga high-risk drivers almost every day. We understand that sometimes, it’s just one of those days. Your vehicle slides into the one in front of you, you had a long day and got caught going a couple KM over the speed limit or you simply didn’t notice the car in front slamming their breaks. We are human too and understand everyone makes mistakes.
Unfortunately, too many incidents puts you in the high-risk driver category making your auto insurance a lot more expensive.
Visit our office at 250 Dundas St W Suite 408, Mississauga ON L5B 1J2 or call 905 366 0066. We will do our best to help you out of your current predicament.
Too many Accidents
Too many Accidents? We can help.
Major or Minor Tickets
Do you have too many convictions on file? Call us for more detail.
Insurance Company Cancellations
Speak with one of our Mississauga high-risk auto insurance brokers.
License Suspensions
Have you had a license suspension in the past? Call our team for more information.
High-Risk Auto Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
250 Dundas St W Suite 408 Mississauga ON L5B 1J2
High-Risk Auto Insurance Brokers Helping Mississauga Drivers
Our team of auto insurance brokers have been helping clients out of sticky situations since our doors opened in 2009. We work with the largest high-risk insurance companies in Canada.
We understand that these things happen. All it takes is a couple minor tickets (which could be issued at the same event) and an at-fault accident and your company could refuse to renew your policy.
The insurance company would send you a notice in the mail and possibly online letting you know that as of your renewal date, they will no longer provide coverage as you no longer qualify for the standard insurance market.
Once you get that letter, call our high-risk auto insurance brokers immediately to avoid any additional gaps of insurance.
“Mississauga's High-Risk Auto Insurance Brokers”
How Do I Become A High-Risk Driver in Mississauga?
Many client’s do not know how easy it is to be deemed a “high-risk driver”. Every company is a little different but a majority of them play by the same rules. Below are some typical “incident combinations” that would place you in the high-risk category:
- Two or more at-fault accidents in the last 6 years.
- One at-fault accidents and two minor tickets.
- Getting your policy cancelled for non-payment twice (or more).
- Having you policy cancelled for non-disclosure or material misrepresentation.
- Multiple minor tickets (three or more).
- Having a major / serious ticket such as DUI, Racing, failure to remain at the scene, texting while driving, driving without insurance or stunt driving.
- Certain drivers license suspensions
It’s always best to avoid these situations all together, but if they do end up happening, call our team at 905 366 0066.
How long Is a Driver Considered High-Risk?
A driver could be considered high-risk for a very long time. If he/she continues getting tickets and at-fault accidents or keeps missing insurance payments, the high-risk title can be prolonged indefinitely. If you are in a situation where the insurance company deemed you high-risk, we recommend you take that very seriously and do everything in your power to fix your record. Below are some timelines:
Accidents: At-fault accidents are rated for six years.
Tickets: Tickets are rated for three years.
Major or Criminal Convictions: three to ten years depending on the insurance company.
Non-Payment Cancellations: Three years from when the policy was cancelled.
How Expensive is High-Risk Auto Insurance In Mississauga?
High-risk auto insurance in Mississauga can get very expensive depending on your record. If you have a good, long record with many years of clean driving, rates may not be as high. However if you are a new driver with a high-risk status, policies can quickly reach the five figure annual rates.
High-risk companies do not offer as many discounts as standard market companies. They do not offer multi-policy discounts making it harder to get good overall pricing. High-ris companies will always rate the highest rated operator as a principal driver as the primary driver. This means if your son or daughter drive the family car one a month, but are considered high-risk, the company will place them as the primary driver.
Below are some of the factors high-risk insurance companies will look at to determine your rate:
- Your exact Mississauga location
- Your vehicle
- Your age
- Your insurance history
- Your licensing dates
- Marital status
High-risk insurance companies look at very similar factors as standard insurers, they simply charge more for the risk.
If you are looking for a high-risk auto insurance policy in Mississauga, contact Ambroziak & Rao Insurance Brokers at 905 366 0066 or visit our at office 250 Dundas St W Suite 408, Mississauga ON L5B 1J2.
What is a Letter of Experience / Claims Letter?
Sometimes a high-risk insurance company will want to see exactly what happened on an old policy to confirm their own internal reports. They may require a Letter Of Experience (LOE). This shows them the insurance history directly from the insurance company to verify what they see on their end.
Letters of Experience can be request by contacting your prior insurance company or broker and are usually sent to you within two weeks.
If you are shopping for high-risk insurance, its a wise idea to request this in advance to speed up the process.
Customer Success
Margaret Bara
T: (905) 366 0066
F: (905) 276 5373
E: mbara@pbnet.ca
Customer Service
Anu Kaur
T: (905) 366 0066
F: (905) 276 5373
E: akaur@pbnet.ca
Customer Success
Teresa Klubinski
T: (905) 366 7530
F: (905) 276 5373
E: teresak@pbnet.ca
Director & Lead Broker
Lidia Ambroziak
T: (905) 276 9597
C: (416) 737 9647
E: lidiaa@pbnet.ca
Director & Lead Broker
Harish Rao
T: (905) 276 9495
C: (416) 420 2383
E: hrao@pbnet.ca
Why Ambroziak & Rao?
Our team understands that sometimes, accidents happen. We will do our best to help you keep rates as low as possible while you are considered high-risk.
Dedicated High-Risk Insurance Broker
A dedicated Mississauga insurance broker will be assigned to you to help you every step of the way.
Fast Quotes
Looking for a quick insurance policy? We understand sometimes these things are urgent, and we are here to help!
Multiple High-Risk Insurers
With Ambroziak & Rao, we are partnered with several leading high-risk insurance companies and will offer the most competitive rate for you.
Standard Market Insurers in Mississauga
Once you are eligable for the standard insurance companies, we have access to many of those and will happily shift you over back to a normal auto insurance provider.
Ambroziak & Rao Insurance Brokers Reviews
Frequently Asked Questions
We are more than happy to answer any and all of your Mississauga high-risk auto insurance related questions. Speak to one of our licensed insurance brokers today!
?
The first step is speaking to our high-risk auto insurance brokers to get a quote.
Once a quote is confirmed, we will request a couple documents such as your drivers license or ownership.
We then create your high-risk auto insurance application and email it to you for e-signing.
One we receive the signed applications, we upload the policy on our end and send you confirmation of insurance.
Making changes to your insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.