Picture this: a nice evening with friends, they take 2 cars to go somewhere after a nice dinner, the road is a bit slippery (it’s a real winter in Montreal after all ), the first car does a U turn since he just missed his turn, the other car follows… BANG! We have a bumper that just kissed the door of the other car.
How stupid do you feel? You just hit… your friend’s car. Of all the car accidents you could have, this is probably the best story to tell when you are with your friends around a pitcher of cold beer. Well, this is exactly what happened to 2 of my friends a few weeks ago.
We had a good laugh (nobody got hurt and they even got the nicest cop around to complete the paperwork and a guy on the street brought them coffee and donuts… I’m telling you, people from Montreal know how to live ). However, the rest of the story got me thinking about the most important thing about car insurance; filing a car insurance claim.
Car insurance cheap quotes first?
When we look for car insurance, most of us will consider only one criteria: we want the cheapest insurance quote. However, once you are pretty happy about your car insurance premium, the second factor (the one that will really determine if you have good car insurance or not) is how easy it is to file an insurance claim.
We don’t really think about this part until we get into a car accident. Even myself, I’ve been looking for the cheapest car insurance quote for the past 12 years (oh boy, that doesn’t help me stay young…). Yet, I have never made a claim from my car insurance company so far (knock on wood!) so I don’t really know how great my car insurance is…
Back to my friend’s story (and how his car insurance dealt with him!)
I’ll tell you upfront, my friend is with TD Insurance. He got a nice quote since he went to a school who has an affiliation with Meloche Monnex (who belongs to TD Insurance group). So his first criteria was no different than mine when he picked his car insurance: he wanted a cheap car insurance premium… period.
But does cheap premium means cheap service? Let me tell you that it is not the case with TD! Right after filing the paperwork with the police officer, my friend called his car insurance company to explain the situation. The next morning he drove his car to a garage (as instructed by TD) and got a courtesy vehicle right away.
Filing the car insurance claim paperwork was easy, people who served him were easy to deal with and proactive. My friend didn’t have to wait long to get his car back. This is what we call a great service experience!
I am often the first one to step up and tell the world how bad customer service was at one place or another (remember my Roger’s Story, my friend’s fight with Bell or my Baton Rouge’s friend story?… go see them, you’ll have a good laugh ). But when it is the time to recognize a company is going above what we can reasonably expect, I will also step up and tell everyone. So here it goes:
TD CAR INSURANCE ROCKS!
(Isn’t this a great plug? Hahaha!)
But seriously folks, I wouldn’t write about it if I found they weren’t great So if you are looking to get cheap car insurance with great service, I’ve picked a few car insurance companies here:
TD Car Insurance
Enough said about them, to get a quote, just enter your postal code there in the add above, the process is easy and it doesn’t cost anything. On top of that, you don’t even have to talk to anybody or have anyone calling you… simply love it!
They are usually very picky in their drivers’ selection (almost no tickets, no insurance claim, etc) but they offer very cheap insurance quotes.
What can I say besides; I love the insurance pendent of any Canadian banks? Seriously, they are solid and reliable
They seem to be pretty aggressive on their pricing too. However, they are fussy if you drive in the USA and I have not heard anything back from them with regards to filing an insurance claim…
You can search for the best car insurance quotes among the above listed companies (and many others). Great tool to make a quick (and free!) search on the web.
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