Seeking Canadian (Ontario) auto, RV trailer, and home insurance
My current round of insurance with TD / Primmum is due up. I have a 2021 Jeep Gladiator (financed) and a 2019 KIA Rio (no loan), house (no mortgage), and 2016 17' travel trailer (no loan) with them. Been with them for many many years. Supposedly have a group plan through my employer Ontario Power Generation. I'm not so sure anymore. While it's just me (47m) right now, my 17 year old son will likely get added Friday when he gets his G2 🤞.
I wonder if anyone could recommend a company that would do good for all, or separate for each. I also have some artwork and camera equipment I would probably tack on.
The letter I got from TD also said if I don't put a tracker on my Jeep (for theft) my premium will go up. They will pay for it, but if they supply it I won't even consider it. I don't want them following me! Giggle does that enough.
Searching "best xxxxx" will always give you sites that make money from the reviewed businesses. I won't trust any of them.
Call a broker. I used brokerlink for mine - just google brokerlink (your town).
I hated shopping for insurance...even the same underwriter will quote different rates depending on who you call and when you call.
basically calling every broker for quotes and comparing is your best bet. CAA, costco, PC, your credit cards,... call them all. Also, your home insurance bundled together can SOMETIMES also save big.
I used to have a broker who shopped diligently for us and was great to work with but her brokerage didn't keep her :(
the underwriters don't matter so even if one source already got you a quote with, say, aviva, another broker calling for aviva will get a different rate. It's all so utterly time wasting and stupid and not at all cheaper than BC's ICBC
just gotta make a ton of calls, sorry
@chocobean and @phedre, thanks muchly. I harassed my co workers and most stood by our TD plan, so I caved and stuck with it. I don't have the time or patience to research. No matter what it was going to be expen$ive: 17 year old boy, G2.
Can't win no matter what you do. They'll find other ways to get ya.
Thanks again.
Haha no worries. I've never seen on differ by more than $1000 anyway, most are within $300, so at some point you gotta take the win for your own time and sanity. Additionally if you have peers who are on the same plan, that's worth some amount of points when you need to ask questions
So overall great job!
This is true enough and why I then start looking for extra perks. I ended up using PC as my broker so I could pay with my credit card and get the points.