Cooperators Auto Insurance Reviews

I was with this company for about 2 years. I was misled, lied to, overcharged, and threatened. Here we go:
I signed up using the Kanetix website, and got a good quote based on being a NAIT alumni.
About a year into the coverage, they decided to change my plan without my authorization. All of a sudden I get an email saying "here is your revised policy." I called to ask why this happened, they tell me I do not qualify for the previous rate, as I am not staff of NAIT school. I explained that I am a former student, not staff. They tell me they never had a plan for former students... I play an extensive game of phone tag to get this resolved, to no avail.
In the meantime Kanetix still quoted rates based on being a NAIT alumni, and listed Cooperators/Coseco (It has been corrected since). It was not worth my time to keep chasing them to correct their mistake, so I stayed with them. Also, in the process I was threatened to be charged back "what I should have been paying" for the erroneous coverage... Yeah, quality customer service right there.
This spring, I called to revise my policy and to ensure I had coverage for glass, as a friend had a problem with glass damage on her vehicle which her company would not cover, so I wanted to ensure I had coverage.
My policy listed "17d," which I inquired as to what that entails with Cooperators/Coseco via a phone call. The gentleman I spoke with explained that glass is covered through a comprehensive claim, except for the windshield. All was well for the time.
Recently, a rock went through my sunroof and I called to make my first claim. Replacement cost $1500+. I was told I do not have coverage!!
I provided many examples from online where I should be covered for this type of damage. Sited many resources including some from THEIR OWN WEBSITE. The lady I spoke with had the audacity to say "it's very rare anyone gets coverage for glass" Like I'm the only one out there with a glass moonroof??? They also told me that "coverage differs from each provider" umm for a specific feature on my coverage that all companies offer? That doesn't sound right.
Now I was led me on a wild goose chase to various other representatives up the chain. I spoke with someone who told me they would "review the recorded calls" of my conversation a few months ago regarding glass coverage. They come back and tell me a different situation than what I discussed with the guy. I asked to hear this recorded call, and was informed I needed a lawyer to do that!! Of course they can just cover their rear end like that.
So I made a proposal. Based on my poor experience with this company, either I pay the deductible of $250 to fix my roof plus the cost of the "correct" coverage difference over the past few months for glass (would have been about $45 give or take), AND I renew for another year,. Or, I flush them and go with someone else. They wouldn't play ball, so I canceled right then and there, and will tell everyone I know not to pick this insurance company. They even wanted to charge a cancellation fee!! No way that was happening.
Lessons learned:
- ALWAYS have a paper trail and RECORD your phone calls yourself when dealing with ANY insurance provider.
- ALWAYS get a second, third, or fourth opinion, and don't take one representatives word on what your coverage entails.
- Apparently, "17D Limited Glass" means something different depending on which provider you choose. Google various providers, and their definition of 17D, and you'll see what I mean.
- NEVER go with Cooperators/Coseco.

My spouse's truck was struck by a flying object in a wind storm. At first they said it was not covered, once I prooved it was, they then said there was no proof of a wind storm, then I prooved that as well. Then they said because there were no other claims that day, they dont believe us. I pointed out that there were a lot of down tress, and broken trampolines, but those people will not claim as not worth it compared to the deductable. They still refused. Not sure why we pay these guys for insurance if they are not going to cover anything.