Insurance Broker?

[ExtraSlow]

I've had automotive hail claims with lots of companies, never found any of those to be a hassle.

Now home weather claim repairs have not been as smooth in my opinion.

[msommers]

Numerous people I asked this year about home and auto are with TD. They were double for us. Went with The Personal because of the APEGA discount.

[vengie]

I've been with Touchstone for years.
Haven't shopped around, but I feel like I pay a lot for insurance and should shop around..

[bjstare]

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I've been with Touchstone for years.
Haven't shopped around, but I feel like I pay a lot for insurance and should shop around..

Yeah I need to do a shop around soon too, I've just been lazy. Touchstone has been good, absolutely no complaints. But I don't like leaving money on the table.

[killramos]

I think TD is starting to push their luck for me. Historically things have been good but I am starting to feel a lot of creep.

Planning to do a more fulsome review of this next summer for all my policies.

Would be nice if a logical broker were to come to the surface for that, but it sounds like the arb for going with touchstone evaporated some time ago.

[Darkane]

I’m still with touchstone, but yes - with the switch to intact rates are up big time.

For example, my home claim for hail deductible is $2000. Lol, come on - and that’s with ~20% increase of premium.

I’ll reach out to see if they have a better option.

[The BMW Guy]

Seems like touchstone is either Intact or Pembridge nowadays. Getting good kickbacks from them I guess. Thought they would shop around more.

[danno]

just did a quote with sonnet, and it's way cheaper than intact with touchstone. i'm coming up for renewal right away so looks like i'll probably be switching.

how's sonnet been??

[vengie]

Getting a new quote as we speak.

We shall see how this goes.

[Asian_defender]

Still with touchstone. Its been Pembridge-->Aviva-->Intact-->Pembridge
Was with Intact, they switched me to Pembridge which saved me a little over $800/year.
I found the response times to be slow. I was chasing them down constantly to get my new quotes and the only one I got back was from Pembridge.
Next year, I'll probably shop around and look for a new broker, even thought it was cheaper by $800 I felt like the rates were still a bit high

[The BMW Guy]

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just did a quote with sonnet, and it's way cheaper than intact with touchstone. i'm coming up for renewal right away so looks like i'll probably be switching.

how's sonnet been??

I've only been with them a year, and haven't had to do any claims. So hard to say how they will be when you actually need them.
I read Sonnet jacks up their prices after the first year but I'm up for renewal and it has been the same price so...so far so good?

[haggis88]

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just did a quote with sonnet, and it's way cheaper than intact with touchstone. i'm coming up for renewal right away so looks like i'll probably be switching.

how's sonnet been??

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I've only been with them a year, and haven't had to do any claims. So hard to say how they will be when you actually need them.
I read Sonnet jacks up their prices after the first year but I'm up for renewal and it has been the same price so...so far so good?

As above, i also haven't had to claim but the ability to make changes online is great

My price didn't change in the second year, but I read that everyones stories about insurance going up so i took that as a win

[riander5]

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I've been with Touchstone for years.
Haven't shopped around, but I feel like I pay a lot for insurance and should shop around..

I felt the same. Touchstone just quoted me 1700 a year for an old piece of shit SUV. Called the place associated with Apegga.. instant 1000 dollar savings.

[msommers]

That's nutty! Same coverage and deductible??

[riander5]

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That's nutty! Same coverage and deductible??

Will have all the details soon, but what prompted my switch was this conversation -

Me - Hi XXXX, so I have a 2004 Lexus I would like to insure as I am working to sell my 2016 BMW, what are rates like for the lexus?
her - Hi riander, they are the same group so same cost
Me - Wtf? This vehicle is worth 10% my other one?
her - yep is what it is

[BokCh0y]

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Will have all the details soon, but what prompted my switch was this conversation -

Me - Hi XXXX, so I have a 2004 Lexus RX330 I would like to insure as I am working to sell my 2016 BMW 340, what are rates like for the lexus?
her - Hi riander, they are the same group so same cost
Me - Wtf? This vehicle is worth 10% my other one?
her - yep is what it is

Hahaha I got the same thing from probably the same person!!!

Wife went from a 2012 RX350 to a 2012 Scion iQ and the insurance was the exact same price via Touchstone. I even asked the lady at Touchstone why insurance on the iQ is the exact same as the RX given the RX is an suv, luxury class, and faster too; that I don't understand what the point of buying a smaller cheaper car was if we're going to pay the exact same premium for insurance. Said this to her in end: Can we have a call about her insurance please? I am really struggling to understand why it is so expensive. I buy a smaller cheaper car, I pay the same for insurance. If I buy her a newer bigger nicer car, I end up paying more, this does NOT make sense to me at all.

The call was basically it is what it is from her.

We changed providers a year later and yes, is much cheaper with full coverage too. So pay less, get more.

[bjstare]

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Hahaha I got the same thing from probably the same person!!!

Wife went from a 2012 RX350 to a 2012 Scion iQ and the insurance was the exact same price via Touchstone. I even asked the lady at Touchstone why insurance on the iQ is the exact same as the RX given the RX is an suv, luxury class, and faster too; that I don't understand what the point of buying a smaller cheaper car was if we're going to pay the exact same premium for insurance. Said this to her in end: Can we have a call about her insurance please? I am really struggling to understand why it is so expensive. I buy a smaller cheaper car, I pay the same for insurance. If I buy her a newer bigger nicer car, I end up paying more, this does NOT make sense to me at all.

The call was basically it is what it is from her.

We changed providers a year later and yes, is much cheaper with full coverage too. So pay less, get more.

Who did you move to?

RE: Insurance cost for cheaper cars being expensive... it's pretty simple. Insurance cost isn't simply derived from the car value. A bigger lever on the cost of insurance is the frequency of claims. As you might imagine, there's more claims on cheaper cars than expensive ones (for a number of reasons - people park cheap cars outside and expensive cars in the garage, shitty teenage drivers more often drive cheap old cars vs new expensive ones, etc etc).

[Twin_Cam_Turbo]

My Echo was quite a bit cheaper to insure than my 335d when I swapped them on insurance with TD.

[ExtraSlow]

Comparing insurance cost based on cost of car is madness. Only consumers do that.

[ThePenIsMightier]

When I challenged TD on my house insurance going up 50% in 4-5 years, I called The Personal.

...

Then I called TD right back and said "continue fucking me because it's better than getting dry-fisted".