I was with TD for over 10 years because at the time they were much better than anyone at the time. Years went by and slowly they started increased their rates for both my auto and home policies, nothing crazy but the typical 5-10% a year that is barely noticeable. That is on top of reducing my coverage, especially for flood events. I never really shopped other than phoning a few places but never made a switch. Not one claim on anything in over 10 years.
This year I finally had enough and went to a broker. She did her shopping for me and I founds something 5-10% cheaper for the same coverage for my home and auto. And just like that I switched. I called TD to cancel my policies and expected to be passed to their loyalty department but they did not even ask why I was cancelling. From now on I'm just going to a broker every 3-4 years, loyalty is not even a thing anymore apparently.
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