Car Insurance - experience with Meloche Monnex?

[gman]

I've found rates to be the lowest I could find (even with Liberty who my college alumni uses). I think the main reason for rates to decrease is your age, your record, your record with them over the years with minimal accidents, and the age of your car.

Well, that did not help me. I am old (damn!). My record is clean. The max stars they could give me. No claim, no accident and no ticket (not even a parking ticket which of course does not matter).

[actng]

Queen's alumni also, just wondering what u tell them when u call the broker? do u ask for a discount because u are an alumni from that uni? I was with statefarm before, and now with Chubb. But I might look into Monnex. Wh'ats their number?

I just called The Personal. I heard they only do group insurance now so I don't know if any random person from the public can sign up.

But no, I didn't have to ask for anything. There's no "asking" when it comes to insurance... you just answer all their questions and they give you a price, take it or leave it.

The brokers didn't want anything to do with me cuz I wasn't 25 and didn't have my license since I was 16 and I was looking for a new policy and not a renewal.

[arlaw]

Our family's been using TDMM for years, for both house and auto, and they have very competitive rates. I am also a UofW grad so that definitely helps. Service is excellent whether if you are making claims or just have general questions.

[Razor Leaf]

Thanks for the help, guys. Here's a related question:

I'm in Ontario. On my State Farm documents there's a line for tax, but the amount is always $0. What's with that? How does tax on auto insurance work?

[gman]

Thanks for the help, guys. Here's a related question:

I'm in Ontario. On my State Farm documents there's a line for tax, but the amount is always $0. What's with that? How does tax on auto insurance work?

There used to be a PST on insurance but it was got rid of.

[weedb0y]

I am with Meloche under UofT.

[The Shirker]

I signed up with TDMM less than a year ago as they were by far the cheapest (it was my first time on my own policy). Within a month or two I got a letter from them stating I had failed to disclose a claim with my previous insurance company (not true) and they went ahead and almost doubled my rates. I ended up calling them back to cancel my policy - I was put on hold while a manager was consulted and 10 mins later they put my rates almost back to where they were initially. So overall I think they're alright.

[stealth]

UofT alumini....MM was great until TD took them over. Then rates started creeping up, and service went down. Still have them for home insurance, but got better vehicle rates from RBC.

[Rehan]

Still have them for home insurance, but got better vehicle rates from RBC.

Why didn't you switch the home insurance to RBC also? They'll give you a 5-10% discount on both, which should make it worth your while.

[stealth]

Why didn't you switch the home insurance to RBC also? They'll give you a 5-10% discount on both, which should make it worth your while.

You'd think so....It turns out that the price difference for home was too great even with the multi plan discount.

Insurance companies are funny, depending what you're buying and what your personal circumstances, pricing can vary a lot.
The only thing I've known for sure is that for me, State Farm was always priced beyond everyone else.