fighting my insurance company

[William-w]

My insurance rate goes up to $3000/yr for my new Vibe even if I have no accident and no claims since I am a valid driver, and I have G license since the end of 2002. I was shocked that this insurance company did not update my profile to G license even if I faxed it to them right after I got it. They charged me more money for 2 years and 3 policy period according to wrong profile, which I should not pay. I become angry about this after these calls, so I decide to complain it to their manager. __________________________________________________Dear Sir/Madam in manager positions: I am sorry to feel really angry about my auto insurance plan, because in 3 sequent years your company charged me extra money that I should not pay. Although I got my G driver license in Nov. 2002 and fax this G license to your company, no body updated my profile. Maybe the fax paper was just thrown to garbage can. Anybody should not blame me that I did not send because everybody knows that G license can lower insurance. Now I ask total refund for the amount that I should not pay in 3 years and a writing apology. Otherwise I do not want to feed a company that owns me money and do not want to give total refund, only shows greedy just by free excuse or picky to be customer’s fault. Ok, your company is big, I am a small customer, and then I can cancel and quit. In 3 years after my first fax in order to lower my insurance rate, I talked many times about my G license when I update my other information occasionally or inquire why my insurance rate is still so high, although I do not realize that my profile was not updated accordingly. There is no excuse to say that your company did not get it because of my fault. For example, when I update my address, I remember that your people asked me to fax my license. Then I should ask how your company could not know I am a G driver because license shows everything. In your renew package, It does not show exactly that in your profile I am still a G2, but just gave some level bar. In telephone your customer representative criticized me that it is my fault that I did not check my renew package carefully to know that I am still not updated in G. Another representative did not want to accept my fax of a transportation ministry letter to renew my profile accordingly but asked a driving record from government by my own inquiry and money. I know every year insurance company adjust insurance rate according to driving record from the government in order to charge more money. Then how can an insurance company does not know that a customer is a G driver, and should charge less. All these makes me become more in angry. The third thing is that in every renew package it shows 2 drivers. I talked many times about it that my wife is only a G1. She is not a valid driver by law. I am the only driver. In every renew package it shows that your company do it according to 2 drivers in table. Accordingly I ask fully refund of difference to correct profile for 3 years of insurance policy. Second, I want to update my profile to be G license for the beginning month of Nov. 2002 not this month. Third is that I want a writing apology to show that this company cares customers. I am a loyal customer in so many years, always call to update my information on time. It already becomes a shame and joke that I keep very good driving record with no accident and no claim but my insurance is so high for 3 years. Anybody may become angry because of this. Here I will attach my G driver license again for your reference. On of them is the copy that I sent right after I got my G license. You can see that there is my old G driver license with old address. I also attached my new G driver license with new address. You may call my cell phone to contact me to ask questions. Thanks for your help.Best Regards

[damronjr]

Who do you have, sounds like it's time to change! I pay less than $1900/yr for 2 vehicles, my 2004 Vibe and a 2002 Dodge Ram! I'd be walking out the door as soon as I found something better!

[William-w]

It is TD bank, Primum insurance.

[William-w]

Got a call from them. They said if they update my G according to correct date for nov 2002 in their system. my insurance will be $2900/yr. If they update my G in my profile for today as a G beginning, I can get $2800/yr. So in their sytem, they bug me that I got my G in this month is better for me than I got it in 2002 !!!!!!!So my G from Nov 2002 can only give me disadvantage!!!!!!!!! Sorry, I donot want to say drity word, but I am really angry. They want to fooling around. ridiculous!!!!!!!!!!!

[damronjr]

Sounds like it is time to find a better company. Wawanesa is up there in Canada. Check them out. http://www.wawanesa.com See if they can do better for you.

[Atomb]

Hey William...stay on top of it...in the meantime check out http://www.pcinsurance.ca and do an online quote (you don't have to use your real name!) and i would bet you that you'll get a better quote. we switched to them last spring from allstate and we saved about 35% on our insurance bill!!Hey damron, one thing i became very aware of during my short time living in the states, the insurance companies down there actually bring your rate down over time of clean driving. up here in canada they raise it no matter what...a spot on your record just increases the slope of the curve! you really can't compare us insurance policies to those up here!

[Mavrik]

I just got my insurance form for 2005 in the mail and it shows my rates and everything, it didn't change from 2004, still paying $125 a month full coverage. I looked it over really close after seeing this thread but nothing seems changed.

[Sputnik]

PC financial is the only place I've found lower rates than Motors Insurance (whom I'm currently with). I'm pretty ticked with Motors because they changed my policy from a year long policy to a 6 month policy so now they can up my rates twice a year! Come April I'm switching to PC Financial... with Motors I currently pay $95/month for myself and my bf. PC was much lower than that.

[Mavrik]

I've never checked out PC Financial's rates. How much would you pay with them?

[Sputnik]

Well I'm trying to remember but I can't quite. It was under $1000/year and with Motors I'm over $1100/year.

[Mavrik]

So not really less then $100 from the other but still cheaper of course. The quotes I was getting from GMAC fincance for insurance and all the other calls I made where I was told "We don't quote over the phone and we're only open when your at work." I was getting like $225 per month. So finally the last place I called, gave me a quote in less then 10 mins for $125 a month and I was like, SOLD! haha.

[Sputnik]

I got an online quote from Motors Insurance (GMAC or whatever you want to call it)... found the link through gmcanada.com.

[RoundUp]

Have you tried http://www.kanetix.com? It will give you online quotes from several companies. You also might want to contact the Insurance Bureau of Canada. They might be able to tell you whether you have a case against your insurance company or not. Good luck!

[sensfanrk]

I'm with Pilot Insurance, through a broker in my hometown. I renew it every 6 months, and at first they told me that it was going to be $2700 a year for my Vibe, and when I got my renewal, my insurance actually went down $300! I don't think Pilot has an online quote, but if you can find a broker on their website near you, you should check it out... I've also heard that Bel-Air Direct is pretty cheap too...

[Atomb]

for 2 cars in our family we went from $290/mth at Allstate to $210/mth at PC....identical policies (ALWAYS make sure they're offering you the same coverage...a friend didn't check and just went for the lowest price...then noticed his deduc. went WAY up and he had limited coverage on some items...)

[rated_w]

I pay ruffly 3500 for my insurance. I'm 21 full g .. and clean record.. COMPLETELY cleen.. just happens because I'm male.. and young.. they jack up my rates..

[Mavrik]

Yeah, being a male has a lot to do with it, like girls drive any better these days?

[rated_w]

I've only known a few. well come to think of it.. all of them I don't trust around my car.. they climb curbs. maybe my gf will be 1.. I'll teach her how to be a drift queen!!