Insurance Broker in Aurora

Want help purchasing insurance from a qualified professional? Aurora insurance brokers are here. BrokerLink only hires the best of the best when it comes to insurance brokers. With 30+ years of experience, BrokerLink understands the needs of our customers. Each of our advisors is fully licensed and can help you find everything from Aurora car insurance to home insurance, commercial insurance, pet insurance, and much more.

An Aurora insurance broker to meet your needs

There are so many benefits to working with an insurance broker in Aurora. They do the work for you, shopping around on your behalf to find you a great policy. Plus, they can help you save money on insurance and explain how coverage works. Here at BrokerLink, we are pleased to assist our Aurora customers, no matter what type of insurance they’re looking for, whether it be home insurance, motorcycle insurance, or business insurance in Aurora. Below, we break down a few of our most popular insurance specialties:

Aurora business insurance

Commercial insurance is vital for businesses of all sizes in Aurora. Whether you run a local clothing store or an auto body shop, you need business insurance to protect you from risk. BrokerLink’s staff consists of commercial insurance experts who can recommend coverage and help you find a policy that meets your needs. Crime insurance, commercial auto insurance, commercial general liability insurance, product liability insurance, and cyber insurance are just a few examples of coverage we can help you find. Ultimately, if you want to work with a broker who will take the time to get to know your business and then find coverage that perfectly suits it, BrokerLink is for you.

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Aurora home insurance

Aurora home insurance is important if you want to protect your household and the belongings inside of it from risk. An Aurora insurance broker can explain how home insurance coverage works and make suggestions as to the best types of coverage based on the characteristics of your home. For example, if your home is located near a body of water, we may recommend flood insurance in the form of sewer backup coverage or overland water coverage. Alternatively, if you operate a home out of your business, a BrokerLink insurance broker can walk you through the benefits of adding a home business endorsement or rider to your policy. Some of the other home insurance services we offer include renewing home insurance, changing home insurance if you are planning a move, and offering tips, such as ways of protecting a vacation rental property. Get in touch with BrokerLink to learn more about the property insurance solutions we offer our Aurora customers.

Get a home insurance quote

Aurora car insurance

Finally, Aurora car insurance is a no-brainer if you drive in Ontario. Why? Car insurance is a legal requirement throughout the province. Specifically, all Aurora motorists must have auto insurance policies that contain third party liability insurance, uninsured automobile insurance, accident benefits insurance, and direct compensation - property damage insurance. These types of coverage are designed to protect you, your vehicle, and other drivers on the road. When you get in touch with BrokerLink during your car insurance journey, one of our experts will help you find a policy that complies with local Ontario law. We can also suggest extra coverage, like comprehensive or collision coverage, if you are looking for broader protection. Of course, as car insurance specialists, we also know how to save our customers money on car insurance, so if you want more information on anti-theft device discounts or winter tire discounts, contact us today.

Get an auto insurance quote

Spend less on Aurora insurance with these money-saving tips

Is there anything better than saving money on insurance? We certainly don’t think so! Since the beginning, BrokerLink has been dedicated to helping our customers find affordable insurance solutions. This means that no matter your budget, we want to help you find the coverage you need. Thanks to our unparalleled resources and expertise, we know all kinds of ways that customers can save money on insurance. Below is a list of money-saving tips that the BrokerLink team has compiled. They can help you cut costs on home insurance, car insurance, business insurance, and more. Keep reading to start saving:

Work with an Aurora insurance specialist

Working with an Aurora insurance specialist, like those at BrokerLink, is our top tip if you want to spend less money on insurance. Since all BrokerLink insurance advisors are licenced and have years of experience with the local insurance industry, they know exactly where to look to find you a great rate.

Bundle your Aurora insurance policies

Bundling insurance policies is one of the most effective strategies for saving money on insurance. To bundle insurance policies, all you have to do is reach out to BrokerLink and ask which insurance companies offer packages. Insurance bundles, or packages, are typically available through many providers and in most cases, customers are allowed to mix and match insurance products to qualify. In other words, you could buy an Aurora home insurance policy and an Aurora car insurance policy and still qualify. You could also purchase two types of the same policy, like two independent car insurance plans for each car in your household or two home insurance policies, one for your primary residence and one for your cottage. The best part is, by purchasing more than one insurance product from the same provider, you will receive a significant discount on each policy.

Choose a high deductible over a low one

A quick way to minimize how much you pay for Aurora insurance is to choose a high deductible over a low one. Every time you do this, you lower your insurance rates. Conversely, if you choose a low policy deductible or you adjust your deductible later on to be lower, you may experience an insurance premium increase.

Scrutinize your payment options

Before choosing a payment schedule for your policy, ask about the fees that come along with each. Although you might assume that the amount you pay for your policy is the same whether you opt to pay for it in one yearly installment or twelve monthly installments, this isn’t always the case. Some insurers charge extra for monthly payment plans, so make sure to inquire about this in advance if you don’t want to overpay for your policy.

Think carefully before buying your next vehicle

If you want to save money on car insurance and you’re in the process of buying a new car, consider which vehicle-related factors impact car insurance. First, there’s safety. The higher your car’s safety rating and the more reliable it is, the lower your insurance premium is likely to be. The same goes for eco-friendly cars, like hybrid or electric vehicles. If you drive a hybrid or electric vehicle, you might qualify for a car insurance discount.

Sign up for a driver’s education program

If you graduate from an approved driver’s education program in Ontario, you may receive an auto insurance discount that will instantly lower your rates.

Equip your car with an anti-theft device

Anti-theft devices can be purchased independently and installed in vehicles to deter crime. In addition to reducing the odds of theft, they can also help you keep your insurance rates low. If your vehicle is equipped with such a device, make sure to notify your insurer.

Install a security system in your home or office

The safer you make your home or place of business, the lower your Aurora insurance premium will be. Thus, taking the step of installing a security system in your home or office can help you save money on property insurance and commercial insurance.

Install a sump pump or sewer backup prevention device in your home

Sewer backup prevention devices and sump pumps can significantly reduce the odds of a flood in your home. That is why, when you install either of these security devices on your property, your insurance provider may give you a discount. Since water damage is one of the most expensive forms of property damage, taking this extra precaution to prevent it may be rewarded with a lower premium.

Be smart about the home you buy

Insurance companies consider many factors when calculating home insurance premiums in Aurora, and many of these factors are related to the home. Thus, if you want to keep property insurance rates low, be smart about the home you buy. Avoid buying a home with a pool or other major liabilities like an old roof or outdated plumbing system. Instead, choose a home with modern, updated systems, or even one with energy-efficient features, such as solar panels.

Go mortgage-free and receive a discount

Did you recently pay off your mortgage? Contact your insurance provider and let them know. Many home insurance companies now offer mortgage-free home insurance discounts to policyholders.

We’re in your community

BrokerLink upholds community values and strives to be an integral part of the Aurora community. We want to make the lives of our customers better, both inside and outside the insurance world. To learn more about the ways that we give back to the Aurora community, along with our wide-ranging insurance services, get in touch with BrokerLink today.

Contact us

At Aurora BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible.

You can reach us by phone, email, or in person at any one of our locations throughout Ontario. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.Whether you need help changing house insurance or purchasing a brand-new auto insurance policy, BrokerLink is here.

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Aurora insurance FAQs

Should I buy Aurora insurance from an insurance broker or an insurance company?

Both are great options, though the benefits of each differ. Understanding your options is important if you want to make the best possible decision for yourself. First, both insurance brokers and insurance agents are licenced, so no matter which you choose, you will be working with a regulated professional. The main way that the two differ is how they operate.

Where insurance agents are employed by a specific insurance company, insurance brokers work for a brokerage, which is independent of any insurance company. Insurance brokers act as the go-between for insurance companies and customers. Next, insurance brokers and agents have slightly different specialties. Insurance agents are extremely knowledgeable about the insurance products sold by the insurance company they work for. Meanwhile, insurance brokers have more general knowledge about a wider range of insurance products sold by different insurance companies across Canada.

Can I buy Aurora insurance from a broker online?

Yes, many insurance brokers operate online nowadays, which makes it easy and convenient for Aurora customers to buy insurance. Reach out to an insurance broker near you over the phone, in person, or via email to ask about the online services they offer. Many not only provide free quotes online but can help you purchase a policy from start to finish over the internet.

How do I know what Aurora insurance policy is right for me?

The Aurora insurance policy that is right for you is one that is tailored to your needs, protects you from risk, and is within your budget. You will need to weigh your options and compare policies, as well as reflect on your insurance needs, in order to find the one that is best suited to you.

How do I renew an insurance policy in Aurora?

You can renew your Aurora insurance policy by contacting your insurance company or broker. They will walk you through the steps of renewing your policy. Typically, it is quite easy to do and may only take a matter of minutes. In some cases, your Aurora insurance policy will actually renew automatically, meaning you won’t have to do anything to renew your policy. However, it is important to be aware of the date your policy renews so that you can review it beforehand. This way, if you want to make any adjustments to your policy, such as raising or lowering coverage limits or adding new coverage, you have the opportunity to do so without worrying about additional charges or fees halfway through your billing cycle.

Is insurance required in Aurora?

In some cases, insurance is required in Aurora. For example, car insurance is government mandated and is a legal requirement for all drivers in Ontario, so if you drive, you are required to buy auto insurance. For your car insurance policy to be valid in Ontario, it must contain the following four types of insurance coverage: third party liability coverage, uninsured automobile coverage, accident benefits coverage, and direct compensation - property damage coverage. In contrast, home and business insurance are not government mandated, which means they are not legal requirements.

However, you may still be required to purchase them in some situations. For instance, homeowners who bought their Aurora homes with mortgages that they have yet to pay off and residents who rent their homes may need to purchase tenant insurance in Aurora in accordance with their mortgage loan and lease agreements, respectively. Meanwhile, as a business, you may be required to purchase home insurance by certain clients or various regulatory bodies.

What can I do to lower my Aurora insurance premium?

If you want to qualify for cheaper insurance in Aurora, there are a few things you can do. First, you can try bundling multiple insurance products into one. This is ideal for any customer who needs more than one type of insurance. You can also opt to pay for your policy yearly instead of monthly, make all your insurance payments on time, select the highest possible deductible you can afford to pay in the event of a claim, and review your insurance coverage annually, updating it as needed. Lastly, if you are buying insurance on a budget, make sure to ask about various discounts you may be eligible for, like alumni-based discounts, security system discounts for home insurance, or winter tire discounts for car insurance.

Is liability coverage important?

Yes, liability coverage is one of the most important types of insurance coverage, which is why you will find it in nearly every type of insurance policy, from car insurance to business insurance. Liability coverage protects policyholders from legal claims, such as those alleging bodily injury or property damage. In the case of car insurance, Aurora drivers are legally required to carry a minimum of $200,000 in third party liability coverage at all times. Many opt to carry higher limits of liability to protect themselves further..

Liability coverage for home insurance, often referred to as personal liability insurance, protects you if someone injures themselves while on your property or if your home causes damage to another property, such as a neighbour’s home. Meanwhile, liability coverage in business insurance comes in many forms, such as employment liability insurance, cyber liability insurance, product liability insurance, professional liability insurance, and the most common, commercial general liability insurance. No matter what type of insurance we’re talking about, when you have liability insurance on your policy, your insurance provider will cover legal fees, as well as other costs associated with the legal claim, such as medical or repair bills

Do Aurora insurance brokers offer free quotes?

Yes, free quotes can be obtained from Aurora insurance brokers. Contact an insurance broker near you to request a free quote. Be prepared to answer some questions about your insurance history and the type of coverage you’re looking for.

If you have any questions, contact one of our local branches.