The Personal Insurance Auto Insurance Reviews

I was shopping for car insurance, as my former insurer was getting too pricey. The agent at The Personal seemed nice enough, and the rate was oddly much lower than any company I had called, including brokers, esp for the area I live in and the car I drive. However, when asked if he could send me a copy of the quote detailing the premium along with the principle amount I would be paying for each type of coverage, he stated,

"Sorry, we can't do that. You need to sign up first, then we'll send you all the paperwork to review."

Shouldn't you send me everything first so I can REVIEW it and THEN sign off on the documents? Why would anyone sign up for insurance first and then look over the documents? That makes NO sense! Even with the lowest premium, their conduct of business seemed odd and when I inquired with another company, they said that what they asked of me was ILLEGAL!

I felt the agent rushed me just to sign me up.
Needless to say, I had to go with the 2nd best option I had.

I had 3 vehicles insured with these bandits. First tip as to what they were like was when I called them, they seemed to have only voice-contact back office in India - would never confirm info by email. Second was when the company behind this brand, Desjardins, started pushing the 'get a 25% discount if we put a tracker into your car so we can spy on your ads. Turns out they just want to spy on their insureds so they will have reasons to increase premiums or deny coverage. I didn't fall for it. Next, when somebody rear-ended me, they had my bumper fixed but required me to drop off the rental car 50 miles from where the car repair facility was. Turns out I could have dropped it off at the repair facility - but they didn't tell me, so it necessitated huge inconvenience. When I picked the car up, it wasn't right but as it was 10 pm and in a scuzzy part of town, I didn't want to leave it. Not everything was fixed, and something that had been repaired by a garage just prior to dropping it off at the repair facility was broken. And a part that had been damaged in the accident had not been repaired. I telephoned the claims person and left word but they never called me back. EVER... OH YEAH, in the daylight I noticed that my car was covered in yellow crayon marks that the body shop ( one 'authorized' by Desjardins) had put on all the little paint defects, scratches, etc and marked them up - presumably photographing them for Desjardins so that if any of those parts of the car ever were involved in an accident, then Desjardins would be able to escape paying to fix these 'pre-existing' dings. SHEEESH!!! I have never dealt with any company that was so sleazy, underhanded, untrustworthy, and suspicious. When I reported the accident, they tried to get me into one of their doctors - no doubt so their paid lap dog could declare I didn't have any injuries - and really pressured me. They also did not advise me of my rights to have them pay for physio, etc. They are, in my experience, con artists who make sure they always take advantage of the un-advised and un-aware. Later they sent a letter saying they had advised me of those rights - an outright lie...BEWARE!!! WHEN you call their line, listen to their recorded message - it basically says if you stay on the call you give them permission to spy on you and post what they find on sites that other insurers can access. I find them absolutely awful, and the worst company I have ever dealt with.

The sales pitch for veterans, and CAF members is non-existent. A typical company that is trying to pretend they value our service by offering fake rate reductions based on our service to the Country.
Total BS, just another sad industry exploiting service members.
Other companies offered $300/yr less!