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I had applied online and then called TD Insurance (Meloche Monnex) immediately. My online quote was $1,150. The representative on the phone gave me a quote of $1,577. I told him the difference was too great. He agreed to let me apply online again while we were on the phone. We used the same criteria on the quotation. The result was $1,150. He asked me to wait for 5 minutes and then said that the best he could do was $1,517. I got another insurance company quote (same terms) for $940.