Security National Insurance (TD) Auto Insurance Reviews

I received my renewal. My premium is $1202 and the premium for the occasional driver is $262 for a total premium of $1464. I phoned to remove the occasional driver and now my premium is $1460 - what?! The staff at the loyalty dept could not explain why my premium did not stay at $1202. He told me there are many calculations behind the scene and that's what the calculation is. I told him I'm the same driver with or without the occasional driver, and the occasional driver has no impact on my driving skill. He says the car is more available to me now that the occasional driver is no longer insured. The fact is the occasional driver can still drive my car with my permission for the same amount of time and without insurance. I asked him to explain the advantage of having the occasional driver insured. His explanation: without the occasional driver insured, an accident claim will affect my premium; and get this, WITH the occasional driver insured, an accident claim WILL affect my premium. I told him that reasoning is absurd because there is no difference. He was not capable of explaining any further. I was on the phone with him for 20 mins. I've been with them since 1988 (30 years!). He thanked me for my loyalty and offered $40 off my house insurance. I asked that if he was so appreciative of my loyalty, why was the $40 discount not offered up front on my original renewal. It's all lip service. What a scam!