Desjardins Insurance Auto Insurance Reviews

I have been with them for one year. I'm a driver with 15 years experience, clean history, no accidents, no tickets. I shop and compare my insurance every year at renewal time. So I was astonished when I received the renewal from them - $430 more per year. When I called in to inquire why my rate increased so much, they said it was nothing specific to me and that they had to pay out a lot of fraudulent claims so everyone's rates went up. The guy on the phone sounded like he was reading off a script. When I compared the breakdown of the new premium to last year they substantially increased the liability portion and even the accident forgiveness endorsement went up from $60 a year to $100! What a ripoff! I searched online and found 7 other insurance companies who had a lower rate than Desjardins. Personally, I think what they do to lure in good drivers with clean history is they give you ridiculously low rate in the first year and then jack them at renewal hoping that you will stay and not bother with comparing other options. Or they want to force you to use their smartphone app to track your driving habits. Apparently, if you use it for a whole year you may save a bit of money at renewal time at the expense of personal privacy and them knowing where you are all the time. Sorry, no, next! So if you do get a crazy low rate with them online, just beware that they will likely jack it up a lot at renewal. Always shop and compare at renewal and have no loyalty to any insurance company. They're all the same!

After searching for a more comprehensive insurance program that included Home & Auto at a reasonable price I cancelled my Desjardins auto insurance effective May 1, 2015.
Unfortunately, they would not give me a formula detailing a cancellation charge and then made an unauthorized withdrawal from my bank for 30% of the remaining two and a half months of my contract!
I will never recommend or shop Desjardins because of what I call a shady, and underhanded process at that company.

I called Desjardins after creating my on-line quote for our 2 cars. I had my quote printed out and in front of me. Basically I answered most of the questions over again with the agent (loosely referred to as an Agent) . She gave me a quote after randomly asking several questions (which were already answered on the quote that I had generated) but the quote was 200 and something higher than the quote that I had manually generated myself, however after double-checking all of my answers, we found that there was no differences other than the cost that she quoted. Somehow after mumbling her way through something, she came back with a slightly lower number and once again I explained that her number was still higher so there she goes again, asking me the same questions over again and then finally she get to a number that was $80 less than the quote that I got myself (without changing anything!). No complaining from me there! Then I was asked if I wanted their "adjusto" "thing" which would record our driving habits; it would knock off another 5% from our rates so I went for it. The only problem was, is that now she comes back with another number which was more than 95% of the quote which she just gave to me. I was becoming rather impatient at this point but I calmly explained how to reduce my quote by 5%. From that point onward she barely listened to me at all and denied haven given me the quote that I agued she had. Then I suggested that we just go back to the original quote and then proceed to lower it by 5% for the "adjusto" thing but then she came up with a different starting number altogether. At this point I figured that Desjardins was not a company that I wanted to deal with if their agent could not do basic arithmetic (most of which I thought was intentional).
She then hung up on me! Unbelievable! I thought about how a claim scenario might go with them and after reading some of the reviews on this site, I kind of get the gist of what it might have be like. I have no time for companies like Desjardins. Too bad, thought I was going to get a good deal on my car insurance!

Very long time customer for both home and car recent price increase and not adequate explanation.
Lead me to get other quotes and found much lower rates to the tune of $700 year

Desjardins customer for Auto insurance since 2019, had to change insurance due to address move and insurance went up $1000.

- fully paid off car
- full g
- no accidents
- no tickets
- no demerit points

Moved to a better housing situation for me & my family? One thousand extra dollars. I am sick.

This review is mainly regarding the service I received from Julie W. She is a breath of fresh air when dealing with insurance. My experience with the claims department was horrible and she stepped in and got ahold of the right people on the same day. She managed to obtain the information I needed from a 3rd party source and worked her magic. My issue was urgent and she was able to come through like a superstar. Her service is priceless and I absolutely loved dealing with her. The insurance industry needs more services like this.

I have been with this company for over 7 years, and year over my rates have been dropping steadily. I even signed up for their Adjusto program and maintained a good driving record (no claims or anything). My Adjusto savings even went up to a high percentage, resulting in good savings. However, this year when my insurance was up for renewal, my rate went up by a whole 24% for the year. I contacted customer service, and they did not know what to tell me other than the area where I live rating was the cause. They even told me had it not been for the Adjusto program the increase would have been 40%. I have had zero claims or tickets, but yet they increased my premium by such a large amount solely due to where I live. Highly disappointing as it very much feels like because I was paying a low rate they decided to increase it as they please, and they just gave me a canned response.

I have been with this company for awhile. There were numerous complaints on various websites, but I failed to listen. My insurance just magically went up by almost 500 dollars for the year and I have been a perfect driver. No tickets, no claims nothing! The only thing they could tell me was that in the year there were a lot of claims for my area. Bullcrap!!!! Let's see the numbers. Let's see the claims for all the different areas. If you are okay with your premiums going up every year, with no sound reason and no reward for being a good driver? Go with these people. I just have listened. Listen here, these people are not worth it. If you still decide to, remember, you will keep increasing each year for no reason. They are not worth it. Go somewhere else.