Desjardins Insurance Auto Insurance Reviews

>Been with these guys for 11 years(since I was a new driver/teen). At the time they were known as Certas Direct, they were bought out by Desjardins.
>At first I was getting a great rate when they were Certas. I think I was paying 150$/mth. and it even got as low as 110$/mth. when I switched vehicles.
>When I noticed things were getting weird was when Desjardins randomly sent me an insurance/ownership holder in the mail with a letter saying 'blah blah we own certas, you are our valued customer blah blah'. Not too long after i got my very first speeding ticket, and then one more later that year. When my policy was renewed my rate went from 110$/mth to 200$/mth. While I take full responsibility for my tickets, i dont think i should be paying 90$ extra every month for two measly tickets.
>years later i acquired another ticket. it skyrocketed to 275$/mth. Now I am in full panic mode. I called them and said 'listen guys, yes i sped. i get that. but 275$/mth is ridiculous. i am on the brink of selling my car and opting to just use public trans/bike.' they said 'no no no, we will lower it to 250$ a month in 3 months time.' i agreed.
>RECENTLY i got into an accident. it was the other drivers fault but there was no witnesses and the other driver lied on his police report. Because we had 'conflicting stories' the two insurance companies decided to make this a 50/50 split. I was assigned a moron of a service rep. She doesn't care nor take into account anything i say. what she says is what she says. To her there is no other option. its desjardins(gods) word. Get this...I put my car into a shop on a thursday, my agent said she'd call me later that night to talk about it. no call. next day, no call. i call her. voicemail. weekend goes by. no call. i call her, leave new voicemail, she calls me back. tells me three things 'just waiting for the quote from the mechanic and i will call you back. tuesday comes. no call. weds. no call. thurs no call. i call in. voicemail again. call mechanic shop and say 'what the hell is going on with my car?' apparntly they took it apart on tuesday and assessed everything and been waiting for my agent to call. i get angry and call my agent. voicemail. 'yea, my car has been in the shop since thursday and you havent been keeping me up to date and the quote has been ready since tuesday and now its thursday...7 days. i have kids and no vehicle. please call me back and take care of this. she calls me 20 minutes later(wow...so if i pull teeth and act like an @$$ they call back?). 'okay, the quote is 2400$, 800$ for parts and 1600$ for labour...' i say 1600 for labour huh? hmmm...its a fender bender. im not a moron. they are taking you for a run. 'oh no sir they are approved by us. they know what they are doing'. oh okay, so you are telling me it takes 21 hours to put on a front fender, a new bumper and a light? i can get that done myself in 4 hours. 2 hours with a buddy. now she is all silent and being cold. i say 'listen, you arent helping me at all. im getting royally screwed. i want to take my 50% of the money for the repair and do it myself because this is bull. well sir 50% of 2400 is 1200...but then we have to device 1200 by 2...which is 600...so you get 600. So let me get this right. the damage costs 2400...its a 50/50 accident so that means you pay 1200...but you are doing 50% of the 50% i am entitled too? so 600 out of 2400. so basically thats 75/25%. no sir you dont understand. no no i undestand perfectly, im getting SCREWED.

listen guys, do not deal with these guys ever. horrible horrible horrible customer care. they are so desensitized to your questions and concerns. they Do NOT CARE. i have been dealing with these guys for a long time and the only thing keeping me with them is the fact that my tickets and 50/50 accident cannot get me a good quote anywhere for the next 3 years. dont ever go with desjardins no matter how good the quote looks.