Frequently Asked Questions
WHY CHOOSE AN INSURANCE BROKER?
BROKER VS. DIRECT WRITERS
Captive Insurance Agents such as State Farm, Grey Power and Co-operators Insurance are similar to Direct Writers in that they offer only their own policy and cannot provide alternative insurance quotes to you in your premiums increase.
IS THERE ONE “CHEAPER” INSURANCE COMPANY?
The answer is NO! Many of the direct writing insurer’s such as RBC Insurance, Desjardins Insurance and Bel Air Direct Insurance would want you to believe that. The fact is that insurance is a very complex and competitive industry. All insurance companies are required to file their rates with the Financial Services Commission of Ontario based on their own underwriting and claim results. Therefore, rates will typically go up and down according to the amount of claims paid out every year. Having the flexibility as we have at Taylor Forder Insurance to compare rates offered by our extensive list of insurance companies ensures that you always are getting the best coverage at the best price!