Switch and Save on Your Insurance (2024)

Conditions apply. Subject to eligibility rules.
Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

210% Home Insurance Savings (Not available in Quebec)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal. Offer not available in Quebec.
And
- a one-time 5% Buy Online Discount for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsem*nts: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape Offer may be changed, withdrawn or extended at any time without notice.

35% Savings on Home Insurance; 10% Savings on Auto Insurance (Quebec only)
5% Savings on Home Insurance; 10% Savings on Auto Insurance (Quebec only)
Home Insurance: A one-time discount of 5% will be applied to premiums charged for the base insurance policy and the following endorsem*nts: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
Auto Insurance: A one-time discount of 10% will be applied to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).
Offer may be changed, withdrawn or extended at any time without notice.

National – Home and Car – Dollar

1 Nationally, the 2,027 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, and who reported annual premium savings upon switching both their residential (home or condominium or tenant) and car insurance policies to TD Insurance reported an average annual premium savings of approximately $946.58 The survey sample consisted of new customers who switched both their residential and car insurance policies to TD Insurance between August 2022 and August 2023. It was conducted with a 95% confidence interval and produced a 3% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching both residential and car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

National – Home and Car – Percentage

4 Nationally, the 1,058 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, who reported their annual residential (home or condominium or tenant) and car insurance premiums paid to their previous insurance provider and who reported their annual residential and car insurance premiums payable to TD Insurance upon switching both their residential and car insurance policies, reported an average annual premium savings of approximately 28%. The survey sample consisted of new customers who switched both their residential and car insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 3% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching both residential and car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

National – Car – Dollar

††Nationally, the 2,615 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, and who reported annual premium savings upon switching their car insurance policy to TD Insurance reported an average annual premium savings of approximately $773.71. The survey sample consisted of new customers who switched their car insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 3% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

National – Car – Percentage

Nationally, the 1,604 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, who reported their annual car insurance premiums paid to their previous insurance provider and who reported their annual car insurance premiums payable to TD Insurance upon switching their car insurance policy, reported an average annual premium savings of approximately 23%. The survey sample consisted of new customers who switched their car insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 3% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

National – Home – Dollar

‡‡ Nationally, the 1,697 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, and who reported annual premium savings upon switching their residential (home or condominium or tenant) insurance policy to TD Insurance reported an average annual premium savings of approximately $475.36 The survey sample consisted of new customers who switched their residential policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 4% margin of error. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching residential insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

National – Home – Percentage

Nationally, the 1,004 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, who reported their annual residential (home or condominium or tenant) insurance premiums paid to their previous insurance provider and who reported their annual residential insurance premiums payable to TD Insurance upon switching their residential insurance policy, reported an average annual premium savings of approximately 28%. The survey sample consisted of new customers who switched their residential insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 2% margin of error. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching residential insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

Switch and Save on Your Insurance (2024)

FAQs

How do you answer insurance claim questions? ›

Below are some best practices to consider:
  1. Contact a lawyer. ...
  2. Keep in mind that despite the friendliness of the person taking your statement, that person is not your friend. ...
  3. Ask specifically that your statement not be recorded. ...
  4. Give brief answers. ...
  5. Don't volunteer information. ...
  6. Answer only the question asked.

How can you reduce your insurance policy payment answer? ›

Here are some ways to save on car insurance1
  1. Increase your deductible.
  2. Check for discounts you qualify for.
  3. Compare auto insurance quotes.
  4. Maintain a good driving record.
  5. Participate in a safe driving program.
  6. Take a defensive driving course.
  7. Explore payment options.
  8. Improve your credit score.

Do you save money by switching insurance? ›

While a new plan may be more affordable, it could offer fewer benefits than your old policy. Make sure you're clear on what's covered as well as deductibles, limits, and additional benefits before switching providers.

Can Geico really save you $15 or more on car insurance? ›

Low Rates And Great Discounts

GEICO's cheap car insurance rates and discounts could save you 15% or more.

What is insurance best answer? ›

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

What not to say when talking to an insurance adjuster? ›

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

How can I reduce my policy premium? ›

5 Ways to Lower Your Car Insurance Premium
  1. Choose the type of car you drive carefully. Does the type of car you drive affect your car insurance premium? ...
  2. Watch your driving record & take a driving course. ...
  3. Increase your car insurance excess. ...
  4. Take car security seriously. ...
  5. Review your car insurance cover regularly.
Jan 23, 2024

Does credit score affect car insurance? ›

On average, drivers with poor credit pay 118 percent more for full coverage car insurance than those with excellent credit. California, Hawaii, Massachusetts and Michigan prohibit or limit the use of credit as a rating factor in determining auto insurance rates.

What are some ways you can save on car insurance Dave Ramsey? ›

Powered by:
  • Request a discount. Ramsey's blog offers this: Sometimes the best way to save money on coverage is simply to ask to pay less. ...
  • Shop for coverage. ...
  • Switch to a larger deductible. ...
  • Drop unnecessary coverage. ...
  • Shop for the right car. ...
  • Pay premiums differently. ...
  • Improve your driving habits.
Feb 24, 2022

Is it worth switching insurance? ›

For the most part, switching car insurance gives you the chance to get better rates, better service and coverage from a different provider. Typically switching your policy has few downsides.

What do I need to know before switching insurance? ›

Below are seven things to remember when contemplating a change in insurance companies.
  • Ask about your current rate. ...
  • Be a smart consumer. ...
  • Confirm your potential new coverage. ...
  • Double-check potential extra costs. ...
  • Don't cancel your current policy too soon. ...
  • Don't forget to cancel your old policy. ...
  • Carry your new insurance card.

Do I need to cancel insurance before switching? ›

Cancel your old policy.

Once you've finalized and purchased coverage with your new insurer, notify your old insurance company of your cancellation date. Make sure there are no gaps in coverage from when your old policy ends and your new one begins.

Is GEICO overcharging? ›

A federal judge has determined GEICO, the car insurer owned by Warren Buffett's Berkshire Hathaway, will not be subjected to class-action claims in a lawsuit alleging it overcharged policyholders during the early stages of the COVID-19 pandemic, Reuters reported.

Is GEICO overpriced? ›

The insurer has some of the most affordable rates — our research found that Geico's average rates tend to be 26% cheaper than the national average of $2,508 for good drivers. This is in addition to the savings that drivers can get by participating in the company's discount offerings.

Why did my car insurance go up $500? ›

Car insurance rates can change based on factors like claims, driving history, adding new drivers to your policy, and even your credit score.

How do you explain an insurance claim? ›

An insurance claim is a formal request from the policyholder to their insurance company asking for payment after a covered incident, such as a hospital stay, a natural disaster, theft, and more.

How do you write a response to a claim? ›

Answering the Claims for Relief

On a separate page or pages, write a short and plain statement of the answer to the allegations in the complaint. Number the paragraphs. The answer should correspond to each paragraph in the complaint, with paragraph 1 of the answer corresponding to paragraph 1 of the complaint, etc.

How do I argue an insurance claim? ›

Steps to Appeal a Health Insurance Claim Denial
  1. Step 1: Find Out Why Your Claim Was Denied. ...
  2. Step 2: Call Your Insurance Provider. ...
  3. Step 3: Call Your Doctor's Office. ...
  4. Step 4: Collect the Right Paperwork. ...
  5. Step 5: Submit an Internal Appeal. ...
  6. Step 6: Wait For An Answer. ...
  7. Step 7: Submit an External Review. ...
  8. Review Your Plan Coverage.

How do I argue against an insurance claim? ›

You may ask your insurance company to conduct a full and fair review of its decision. If the case is urgent, your insurance company must speed up this process. External review: You have the right to take your appeal to an independent third party for review. This is called an external review.

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