Cooperators Auto Insurance Reviews

I’ve had two claims (still ongoing) where both have been deemed not-at-fault yet BOTH adjusters have treated me like a burden like I’m irrelevant and have not even done the bare minimum to get my claim resolved what’s best for the client. The 3rd party is responsible for the damages yet the Cooperators adjusters act as tho it is coming from their own pockets. I highly recommend avoiding them at all costs, they do not even support you or treat you with an ounce of respect when you are not at fault, I couldn’t imagine the ordeal you would be subjected to if you are at fault for an accident. I’ve been with them for 4 years and once these claims are resolved I will be immediately moving on. I wouldn’t even give 1 star.

A totally bad experience, if there is a negative rating I'll definitely give them, completely unreliable company, high insurance value, rude customer service. They are happy to extract money from you but give you hard time the other way round. Once my payment didn't go through for some unknown reason instead of contacting me they discontinued the insurance plus charged a penalty on it, and when I called back to check they are not ready to co-operate. Just their name is co-operators but they have totally zero co-operation. Never going to recommend anyone instead will forward this to all my contacts.

Customer loyalty and tenure mean absolutely nothing. After many years with them, we had to purchase a new vehicle, our rates were dramatically increased for no reason at all. They "create" reasons to increase your rates. I immediately shopped around after receiving their ridiculous quote, and received the exact same coverage from a major Bank, for less than 50% of their quote. Look for better options than Cooperators, and always get competitive quotes on renewals. Don't fall for insurance scams.

I was t-boned on the passenger side rear wheel by a distracted driver and Cooperators accused me of being at fault.

WORST AND I MEAN IT BY SAYING WORST INSURANCE MANAGEMENT, I don't know about others but I don't understand the criteria they are taking for building up a profile for auto insurance. I've got a 2013 vehicle with a dash cam in it, which is for the safety of the vehicle, spending $$$ on it. Paying full amount, no finance, 50k on it. My roommate got a 2008 BMW and the other is having a 2007 Malibu, 200000kms on it. All three having G license, staying at the same place, I got no tickets or claims, they might have got 1 on theirs and my insurance amount is 400, 250 for BMW and 170 Malibu. Please explain to me how your machine is making its criteria, Cooperators? Poor Management, the only ability you have is to make excuses and say I understand you...

I've been with this company for three years. During the pandemic, I worked from home and did not use my car daily and no claims but when I asked for renewal my premium went up to $500. They say the company has merged with another. The lady I spoke with was also very rude no empathy at all. Avoid this insurance company at all costs!

Got a good deal with other company hence, decided to end the contract with Cooperators. Got an email saying the penalty will be $136, which is fine. When the payment day came, for some reason I was charged for home insurance too with an additional penalty which I opted out of a month ago as was not applicable to my new address. After inquiring, I was told that this was for the month before I ended the home insurance contract. I checked my statement, it was charged and reversed back on the card by them for no reason. And apparently, in such cases, they make a 2nd attempt to charge the card after 3 to 4 days again to see if that goes through, if not there is a penalty however, it wasn't charged by the company on the required date and for their mistake I pay an additional penalty, which isn't fair and does not make any sense to me at all.

This is one of the worst insurance companies I have ever seen. I am a full license holder for the past 5 years without a single accident or ticket. Even though I have a clear history and I am paying $350+ as my insurance and many who are coming new to the country they are getting for a cheaper price with them. When I ask about this the person who called me is giving a blunder reason and the worst service. Friends, please do not go with the Cooperators for any of your insurance needs. Before taking the insurance they won't say about the cancellation charges also. If we ask about that they will say "we are not sure how was your conversation earlier". They all are cheaters.

The Cooperators increased my premiums after my insurance Coseco was acquired. Somewhere during this acquisition, my files were transferred from Coseco to Cooperators and my insurance premiums increased. When I spoke to the Cooperators, the agent indicated that my policy was up for renewal and due to a speeding ticket 3 years prior my rates were increased. I did not recall this infraction and questioned the agent why my rates did not increase the previous years then if that was the case. I could not get a satisfactory answer. The response I received was your policy has been renewed. When I asked for a breakdown of my policy and we started to go over my coverage it was noted that my discounts that was applied by Cooperators was not accurate. These discounts were adjusted on the fly leading to a further increase to my premiums. My insurance rates was conveniently increased on my renewal once my files were taken over by the Cooperators and has increased to over $100 per month? When I asked for a discount for not driving my vehicle during COVID, I was told that I did not qualify since my Policy was new with Cooperators. How is it fair for a company to take over my insurance without my consent and approval and have the right to increase my premiums and then refused any credits that I would be qualified for?

I received rebates for less driving as well as a rebate for being mortgage-free, which was early July. I've just got my statement for renewal jacked my insurance up to $400 for the year. GREAT savings and then I try to speak to someone, waited for 2 hours on hold and finally, gave up. Insurance is legalized extortion.