Meloche Monnex (TD Insurance) Auto Insurance Reviews

I was with TD Meloche Monnex for just over a year (house and auto). When I first signed with them I was happy as the rate was the lowest I could find. $205/mth for auto and $98 for house. I got my G licence within this year and expected my rate to decrease since I had no accidents, no tickets, no claims and I got my full G licence. I got my renewals in the mail and I was shocked to see that my auto had increased over $1000 a year. Auto insurance was now $294 and home insurance was hiked up to $118 per year. I called to find out why, thinking this could only be a mistake. The person on the phone told me there was no explanation except maybe all rates had gone up. She tried to keep me as a customer by telling me that if I had winter tires I would get a huge discount. Once she told me what the discount was (a measly $160 a year or something stupid) I laughed. They increased my auto insurance over a year, but would now give me a discount for having winter tires of $168. laughable. I shopped around and found another company that is charging less than when I first started with TD. I was told by one broker that a trick TD uses to get customers is to offer them a much lower rate at first but then on renewal, they increase it to make up for the lower premium they offered you at the beginning. Scammers!