Did you have TD’s 5 year cost replacement solution? This causes your insurance to increase annually until the 6th year, when it will drop back down again.I found the TD would just increase my rates every year until I left
Though I wasn’t happy about my increasing premiums, this coverage saved my ass. My 2015 F150 was totalled back in October by a red light runner, almost to the day the 5 year coverage was set to expire. After a few months of arguing with TD, they eventually wrote me a cheque for the full replacement cost.