TD Insurance Auto Insurance Reviews

The people that answer the phone are good but the company they work for is awful and malicious. Renewal documents are not written properly with little explanation and many mistakes. TD Advantage is a scam... Don't waste your time... You have to fight to get the discount the first year and then they jack your price up pretending it is still included the following year. They think we are all stupid... I am stupid yes... but only because I did not shop around and trusted TD Insurance... They send the renewal last minute so that you have no chance to understand and shop around... but I'll be ready next year... mark my words... I will... 20+ years with TD Insurance with no claims and this is how they treat you... You got me this year, TD... but mark my word... just may be the last. I hate to think what would happen if I did have a claim?

I have multiple vehicles and a house insured with TD insurance and have been with them for many years but every single time I need to reach them I have to wait on hold for at least 2 hours and since COVID-19, at least 4-5 hours!!! My son just got his first car and had to wait 5 hours three months ago. As I type this review, I’ve been waiting for 4 hours because I am trading in one of our cars for another car and need to advise TD. This is absolutely unacceptable. Why do other companies offer a call-back solution instead of holding their customers on the line for hours and hours? The rest is good once you speak to someone but the waiting is terribly draining and very disappointing!

Been with TD insurance for 15 plus years. 30 year clean driving record. My premiums keep going up and up and up. Finally I had enough and called around and got my insurance for about half TD was offering me. Not sure why TD is so expensive needless to say I switched insurance companys

I've been with TD Insurance for over 20 years. This is has been my experience:
1. They only care about new customers; not existing ones. The proof is that when you call, the wait time for the new customer line is typically under 5 minutes and for existing customers, it is at least 1 hour (if you are lucky). The trick is to select "new customer" when calling as they will still help existing customers when you select that option to skip the ridiculous wait times.
2. This past year, they raised my premium by 40%! I had no claims, no tickets and had the same car as the year before. When I called to inquire, they claimed it was because of "my area". That would mean that nearly everyone would have had to be in an accident with that type of increase! Even more unlikely during Covid. I contacted a broker and she found multiple carriers offering insurance at around 40%-50% less than what TD was offering.

Please be aware that from an experience in a recent auto claim, it appears that TD will keep their commitment to one-time accident forgiveness, but will make up for it immediately by raising the home insurance portion of the bundle because they know one cannot go and get a better rate after an accident claim. I know this for a fact because I caught them on this fact, as I had the claim changed from my fault to no fault, and their computers did not get wind of this and raised my home insurance by 30% with nothing to justify that it should have been raised 30%. They were then willing to drop the home rate by 25% when I went shopping around and got home rates 30% lower. There is no accident forgiveness here, they will just make it up on the home portion, because they know they can, since the customer has no chance of getting a better home/auto rate after a recent at-fault accident.

As if waiting to get his license during COVID wasn’t enough, I’ve been trying to get thru to TD Insurance for 4 days now with wait times being impossible! I stayed on the phone 3 times for over an hour and a half with the most annoying music and no person before I finally hung up. Several more times trying and waiting over 45 mins before hanging out. I tried online to add him to my insurance but still no luck. Incredibly frustrating for both myself and my son who can’t drive after waiting over a year to get his license!

Customer service used to be good. Now I don’t know if I will be able to understand the agent who answers.
Call wait times have increased and the hoops I have to jump through before they will even help me are getting unbearable.
Fix your customer service department! Your rates aren’t that good.

I have had to call in 5 times to try and have 4 vehicles properly listed online so I could print pink cards... wait times are over 40 minutes so I can't imagine if I had a claim.

I reversed my parking insurance back to full-coverage 2 weeks early and was charged an extra $565. For 2 weeks?

However, their rates are cheaper than anywhere else I have found

Wait times online are absurd, but when you do finally reach a service agent they are typically very nice and helpful.

They have too few customer service reps. When I finally got through I was told how the charges would go through to which I agreed. They didn't go through as agreed (charged to credit card) and debited my bank account without my permission. Since there was a balance outstanding, because the full amount wasn't debited, I couldn't get access to my account online because there was a balance outstanding? Ridiculous...