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Thread: Insurance (Auto and Home)

  1. #81
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    Getting ready to sign into a new policy, so far the best prices are (granted when it comes to Home insurance, they coverage amount varies, also Discounts vary as well).

    All choices below are approximately $2,000 less than Economical, Aviva, Intact, and Wawanesa's quote:


    1. Allstate
    2. Touchstone Bill
    3. TD Insurance

    Allstate offers discounts in automobile insurance:
    Click 5% (online registration)
    Drivewise (smartphone tracking app to track driving behaviour) 15%
    Renewal Years 10%
    Multi-Vehicle/Take Two 28%
    Winter Tire 5%

    Possible savings of $979 for both household drivers.

  2. #82
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    Touchstone Bill, or in my case Darren may not be the best option.

    I was rate optimized this year too, and with the cooperators quote I just got, time to move on.
    "The most merciful thing in the world, I think, is the inability of the human mind to correlate all its contents... some day the piecing together of dissociated knowledge will open up such terrifying vistas of reality, and of our frightful position therein, that we shall either go mad from the revelation or flee from the light into the peace and safety of a new Dark Age."

    -H.P. Lovecraft

    Kim Kardashian Sex tape:
    Originally posted by hadookin
    nice box... to bad that nigs face is in it

  3. #83
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    Just got my home renewal bill. 35% increase this year. Gotta call in to Bill and see what gives.
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  4. #84
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    Yes same scenario, talked to touchstone, problem solved.

  5. #85
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    Quote Originally Posted by dj_rice View Post
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    Just got my home renewal bill. 35% increase this year. Gotta call in to Bill and see what gives.
    Intact?

    My wife got a notice too that her insurance was going up a grand for the year without any reasons (accidents, tickets etc). Was going to put her on my TD policy which was significantly cheaper but since I had her insurance through Bill, spoke with him and ended up switching all our cars to Pembridge through him. Was only slightly cheaper than TD for all 3 cars but I just liked having Bill managing it for me from now on.

  6. #86
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    Quote Originally Posted by shakalaka View Post
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    spoke with him and ended up switching all our cars to Pembridge through him.
    Fuck is that an option? Intact has been completely useless for me on my last claim. I did all the work and the guy assigned to me completely stopped responding to my calls and emails. I'm not even sure what I'm paying them for. Even if the price were the same, I'd switch over.

  7. #87
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    My renewal with Intact is in November. Wonder if it's worthwhile to switch earlier and not deal with this BS later.

  8. #88
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    Quote Originally Posted by Disoblige View Post
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    My renewal with Intact is in November. Wonder if it's worthwhile to switch earlier and not deal with this BS later.
    My renewal is in 2 weeks, so this bump has been good timing.

  9. #89
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    Quote Originally Posted by shakalaka View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Intact?

    My wife got a notice too that her insurance was going up a grand for the year without any reasons (accidents, tickets etc). Was going to put her on my TD policy which was significantly cheaper but since I had her insurance through Bill, spoke with him and ended up switching all our cars to Pembridge through him. Was only slightly cheaper than TD for all 3 cars but I just liked having Bill managing it for me from now on.

    I got switched over to Pembridge last year. From comparing bills from last year, it looks like they never applied any discounts
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  10. #90
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    Yah I got Darren to swap me over to Pembridge as well. Intact increased I think almost 40% over 3 years without a single incident on my record. They are just raising rates to get people to pay or saying fuck off and walk apparently

  11. #91
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    My renewal came in as well from intact, 25% increase in home insurance and 45% increase in auto. Clean record, no accidents or claims in the past 10 years. Talked to Darren from touchstone last week but they haven’t come up with a alternative yet.

  12. #92
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    Auto insurance in general has gone up.

  13. #93
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    I’m with intact and my rates have actually gone down this year.

  14. #94
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    My broker told me rates have gone up across the board over the last few years. Customers are being hosed by insurance companies.

    I miss the days where renewals would be cheaper each time.
    Web developer - Hot wing eater - Beer drinker - YYC Deals addict.

  15. #95
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    I got my AVIVA renewal in the mail, house up $150 for the year and the 2 cars up $900 (45% increase)
    One call to Darren, and while the cars don't change a whole lot (down ~$250 the house dropped $700). Best 45 minute conversation i've had this week.

  16. #96
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    Quote Originally Posted by CompletelyNumb View Post
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    My broker told me rates have gone up across the board over the last few years. Customers are being hosed by insurance companies.

    I miss the days where renewals would be cheaper each time.
    My buddy in the industry is saying that the reason for the jump in premiums is two fold. Record amount of claims and premium defaults. Especially in alberta.

  17. #97
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    Not to much a renewal

    But my car was stolen/written off, got paid for it and Economical wanted me to pay more after I got paid (2 months+ pretty much they gave my broker a pretty Bullshit excuse, but it was also part of my stupidity (I wrote the wrong date on when I was returning from Europe by 1 month and it got stolen 3 days before I had "Full Insurance" again (Only fire and theft at the time)

    It was kind of a weird situation.

    Anyways If I am to purchase a new car (Or used) will my rates now go up? (Other then having a more expensive vehicle which is expected) - I kind of don't want to deal with Economical again.

    Bill can you verify? Should a stolen Vehicle change my new rates on a car (I wasn't at fault) will be going to the car show today to see what's on the market, but I don't really need a new car (I do very low KM /year + out of town a lot) - Clean record for 15 years... (I think 1 ticket like 10 years ago)


    + I also learned Home insurance will cover stuff in your car, car insurance will not! Let this be a lesson to people - I had my snowboarding gear in my car when it was stolen and they sold it off but it was not under my home insurance...
    Originally posted by beemerm3
    so if we only seen 5 % of the oceans why not drain them or somethin lol or can u even transfer water from one ocean to another??? think of all the stuff u'd find treasures n eerything.

  18. #98
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    Just got an interesting email from TD...

    Sounds like I magically have overland flood coverage now lol
    F1833E5A-0487-468C-AF32-9583C88551BE.jpg

    Anyone else seeing this from TD or their other providers?
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

  19. #99
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    I got the email too.

  20. #100
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    That's really recent. One of the reasons I switched away from TDMM back in the day was their weak coverage on sewer backup.

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