Johnson Insurance Auto Insurance Reviews

I was with Johnson for more than 3 years. No accident, No claim and no charges for Johnson Company during these years until my daughter had an accident. It was a very mild car crash to the point that neither my car nor the front car was damaged but according to the Police my daughter was 100% guilty. My daughter was 21yrs old at the time of accident with 3 years of safe driving experience with no accident and even not a ticket. So they; Johnson Company, evaluated her as a high risk driver!!! and to my very surprise changed our policy and put her as the main driver ( while she was the second driver) and increased our monthly payment by 500 dollar and our total became $916.84 per month. Immediately after receiving a letter from them about the increased payment, I called and asked for the reason and because they were very rude and aggressive and didn't want to explain and convince me, I just asked them to cancel my policy from the beginning of the next month since we were in the middle of current month. I knew that there will be a cancellation fee because the policy is terminated in the middle of the term but they didn't tell and explain to me that the cancellation fee will be $916.84. They should have told me that because the prime has increased from the next month so the cancellation fee will be the same amount. But they were not only rude and aggressive but also dishonest people who just wanted to deceive clients to get the most advantage of them. If they had told me about the cancellation fee, I would have cancelled the policy right away. But because I neither accepted the increased amount nor paid it even for a month so I assumed that they will reduce the regular monthly payment. But without my consent they withdrew $916.84 from my account. I talked to other insurance companies just to make sure about what happened to me and they told me this is an unfair and illegal behaviour and not acceptable. I just wanted to share this with other customers to help them stay away from companies like Johnson that most likely won't be of any help especially at the time of accident let alone before that.

Was insured with them for about 2 years, terrible terrible service. Called in for a quote one day, had to speak to our local account representative, or account supervisor is what they call them. The guy was completely rude, no manners at all, asked if I could get a quote on a secondary vehicle I was looking to purchase. Advised if I did buy that vehicle I would not be taking transit anymore and the mileage to reflect that. Got back with a an insanely high quote so I decided not to purchase the vehicle. A week later I get a bill for over $700 on my insurance plan because of a change in mileage, I called to inquire and he told me I have to report actual km's between home and work, when the quote was for a vehicle I DO NOT OWN and did not purchase, and the mileage was based on whether I purchased that car. Ended up having to go through a ton of paperwork to revert it all back. Waste of time, Second incident, called Johnson Insurance directly so I could avoid this rep, they advised that YOU HAVE to go through your local rep, requested for a new REP and they advised it is not possible. What a retarded rule if you ask me. So ended up calling the same rep, asked for a home insurance quote to see if I combine it with car insurance it might drop my rate a bit. Got my quote, got off the phone, 2 weeks later I have the package in the mail with the package already processed. I never even agreed to go with them, unbelievable. Processed without my acknowledgement. Same process all over again, had to fill out forms, fax, waste my time and cancel something I never even signed up for. End of the day, left this horrible insurance company and could never be happier with my current provider. My recommendation, stay away from this company, I have friends and family who also used Johnson and advised of terrible experiences.

Stay away form this company at all costs. Had been a long time 20 year customer with them. Found a way cheaper rate $1100.00 per year for better coverage, and they charged us $250.00 to cancel our policy. They ripped us off for years with over rates, and then charged us to leave. Will never use them again.

This company has been asking ONA ( Ontario Nurses Assoc) members to use them for their insurance , so for the past 24 yrs, we have been with them and the past 2 weeks, I have been treated by their adjustor and claims department like an old rag!!! I had an accident early this month , hit from behind by an old person who was in a rush to get to church. I filed the claim and it took them over a week to call me back, not even asking if I was ok and to top it sll, wrote my car off. I had been paying $2629.00 / yr for a 2002 Acura 4 door Premium for years and the car was in mint condition with only 168,900 km mileage. Guess how much they are giving me for my car??? A lousy 4,800!!!! On top of this, I have been on the phone calling the claims dept, the adjustor because they never answer the call and they do not leave a voice message that they are off for a week and they do not apologize for their incompetence!!! DO NOT BUY INSURANCE from them!! They charge so much more, over $300!!! The phone calls alone to them to get information was enough to raise my blood pressure! If you want Better Sevice and better price, seek somewhere else!

Agent penalized me for cancelling after the renewal date, which was a lot more than expected. Again called to confirm cancellation and got different numbers from another agent. For my satisfaction, they told me it’s the date when you cancel the insurance matters and the premium but we can’t calculate, it’s the system that tells us. Do not fall prey to this bad service where initially they give less amount and later rip off customers.

Last month I inquire about the penalty if I cancel my insurance with them and the customer service agent told me it will be $20 to $30 and I asked them to confirm me twice before cancelling and after cancelling today I was charged $216. When I call their customer service today their agent told me that total penalty will be $250 and rest of the money they will deduct in few days. I told that agent that before cancelling the insurance I asked your staff and the agent didn't inform me that in total I have to pay $250 for cancellation. In return, I get the response from that agent that we are sorry for inconvenience. Their customer service agents have poor knowledge, what will their 4 words (sorry) give me in return???

I am hoping some consumers here can share their actual monthly premiums from month to month to illustrate a point.

Recently, the Ontario government mandated that insurance providers reduce auto insurance rates for consumers. Please see the document link below from FSCO (Financial Services Commission of Ontario).

According to this document, Johnson Insurance (Unifund Assurance Company) has agreed to reduce passenger automobile insurance rates by -4.49% for the first quarter of 2016 (for effective consumer rates as of June 1, 2016).

https://www.fsco.gov.on.ca/en/auto/rates/Pages/q1-2016.aspx

According to my bank debit statements, for my two vehicles and home, here are my premiums by month with month-to-month increase/decrease in percentage terms:

PERIOD PREMIUM % INCREASE or DECREASE
SEP 2015 - NOV 2015 = $225.43
DEC 2015 - FEB 2016 = $225.02 -0.2 %
MAR 2016 - JUL 2016 = $227.29 +1.0 %
AUG 2016 = $259.86 +14.33 %
SEP 2016 = $242.91 -6.98%

As the premiums show, for almost one year , or 11 months, my premiums actually only rose 0.8% (+1.0 - 0.2%) from a rate of $225.43 to $227.29.

Then, inexplicably, from July 2016 to Aug 2016 my rates increased for ONE MONTH only by +14.33% and then DECREASED by -6.98%.

Throughout this entire time, my rates were the same in 3 and 5 month blocks and only changed by factors of 0.2% to 1.0%.

I have not had any accidents, or tickets, or made any claim whatsoever on my home insurance during this time.

My suggestion is that Johnson has arbitrarily increased rates recently 'on paper' and then made it 'appear' as though I received a 6.98% discount on my insurance rates, which would fulfill Johnson's promise to reduce (per FSCO) their rates by a MINIMUM of 4.49%.

I would be interested in other consumers experience with their rates in the recent past in light of my observations.

Signed,
Frustrated Johnson Customer

I have been insured by Unifund through Johnson for over ten years. This April, my car war rear-ended. Clearly the other driver's fault. Didn't get to speak with the adjuster once, even after numerous phone calls. Just got the renewal in the mail for 2016-17 - nice juicy increase. So, did my mystery adjuster somehow charge part or all of the repair to my policy? I'll probably never know. So, now it's a choice of shop for another insurer or keep taking it up the tailpipe from Johnson / Unifund.

I've been a loyal customer of Johnson Insurance for nearly 20 years. I've had two cars and my house insured during that time, and neither my wife or I ever made a claim. In the past two years, my wife had run into some bad luck and was in two accidents, both deemed at fault. We were told that she would now be considered high-risk, and so I waited to hear from them how my rates would be affected.
I get a call and an email yesterday informing me that they would not renew my auto insurance. This was fine by me because my intent was to not renew either, and decided also to cancel my home insurance.
I called to get a quote from a local broker, and expected to pay significantly more. Even with full disclosure, they came back, my wife now high-risk insured, at $12 cheaper per month than my regular rate with Johnson!
So not only am I saving money, I've been getting gouged for years! I hope this post gets read by customers and others before it gets removed, so that you can save yourself some money and hassle by just going to another company. My biggest regret is not shopping around sooner, but my fault for thinking that loyalty would be rewarded.

Called them for a quote for a newer vehicle we purchased. Very high price. Asked them if the could do any better since we had been with them for many many years. They told me no. Found cheaper insurance by $800 same coverage. Called to cancel the vehicle insurance which they had to talk to myself and my husband. Found out then that there is a cancellation fee plus our house insurance jumped up $300.00. Asked to talk to a manager regarding the cancellation fee and they would not put me thru to one. Bully corporation and high robbery.