so who else is getting screwed (on car insurance)...

[BigWill]

screwed by insurance that is, i just paid, $3284 for the year on insurance, i have no tickets or accidents, and i have been insured for atleast 6 years... WTF???

[benyl]

I pay $2200 for two cars with full coverage. You might want to look at a new insurance company.

[SJW]

I pay 1400 bucks for a 2008 chevy avalanche.

[sputnik]

Originally posted by BigWill
screwed by insurance that is, i just paid, $3284 for the year on insurance, i have no tickets or accidents, and i have been insured for atleast 6 years... WTF???

Just go to another insurance company.

Get an online quote from TD.

SRSLY. Is it REALLY that hard?

[em2ab]

WTF? $1300 for my 2005 Civic, seriously go online and get more quotes.

[GQBalla]

i have to pay 2050 for full coverage on my 99 civic...
im 21 and have some tickets sigh...

[scat19]

haha. I pay 6k a year for my bimmer and I have some tickets too. ;) 21 yrs old + bmw + tickets = rape

[03ozwhip]

i pay 210/month for 3 cars and house insurance, im 28, 1 speeding ticket....Allstate.

[Kloubek]

This is pretty normal OP. People have been bitching about rates for a long time.

If you have a questionable driving record, are young, or have ANY factor they can use to increase your rate, they will.

Myself, I insure two vehicles, and only pay $1100 a year.

[gretz]

I pay 190/month for 2 cars + my house. I have over 10pts off my licence as well (i lost 8 points in 1/2 an hour on the 401 - fukn ontario)

3300's a year is a lot

[Eleanor]

~$1400 21 y.o. clean record no tickets/accidents for the 93 protege :banghead:

PLPD @ $2,000,000 liability

[n1zm0]

24 y/o, been driving since i was 16, 1500/year for 2 cars, one goes on parking insurance during the winter, but i havent had a ticket for 4 years now *knock on wood*, also was on a month's worth license suspension for too many speeding tickets/demerits prior to that,

it's been gradually dropping every year since my last ticket 'probation' period ran out (3 years i think it is?), also dont demerits diminish over time or something about when you hit 23/24/25 ys/o?

edit: also PLPD

[BigWill]

i quoted like 19 different insurance companies, i dont know why im getting raped this bad??? i asked them and they said it was out of their hands

[topmade]

What do you drive and have you been insured for 6yrs under your own name? or driving for 6years under someone elses insurance. Either way there's nothing to lose calling around to get other quotes.

[NickGT]

117/mo - 2005 Mustang GT - TD Insurance - 25 Years old - No tickets - Full coverage

[Jason Lange]

I pay $208/mth with 2 vehicles (2007 f350, 1994 mkiv supra) both full coverage, 24 years old through ING.

[friedn00dles]

Original Post Removed. (Please read the Forum Rules and Terms of Use (http://forums.beyond.ca/articles.php?action=data&item=1) before posting again, or risk getting banned).

[Chester]

I pay 1400 a year/full coverage on a 540i and I'm 22

[japan_us]

Originally posted by scat19
haha. I pay 6k a year for my bimmer and I have some tickets too. ;) 21 yrs old + bmw + tickets = rape

$6k is not worth it for any E46 - in three years (likely less), you would've paid more for insurance than the car is worth.

I'm 24 + BMW E46 Cab + tickets and I'm paying around $1600 - $1700 (full coverage). Even then I think I could get a better deal, and I should also be getting a reduced rate when I hit 25 this year.

To OP: Trucks/SUVs are always more expensive than cars. They're accident prone.

[Tarrantula]

Originally posted by BigWill
screwed by insurance that is, i just paid, $3284 for the year on insurance, i have no tickets or accidents, and i have been insured for atleast 6 years... WTF???

I only paid 5800 a year for my 300z... with 2 accidents and 2 tickets.

[Masked Bandit]

Originally posted by BigWill
screwed by insurance that is, i just paid, $3284 for the year on insurance, i have no tickets or accidents, and i have been insured for atleast 6 years... WTF???


I tried to PM to help but it says the inbox is full?

[schocker]

On my infiniti, I pay about $270/month with $1000/$1000 no glass, with no tickets. :dunno:

[GQBalla]

Originally posted by japan_us


$6k is not worth it for any E46 - in three years (likely less), you would've paid more for insurance than the car is worth.

I'm 24 + BMW E46 Cab + tickets and I'm paying around $1600 - $1700 (full coverage). Even then I think I could get a better deal, and I should also be getting a reduced rate when I hit 25 this year.

To OP: Trucks/SUVs are always more expensive than cars. They're accident prone.

+1

must be that windshield of his

[300zxfairlday]

181 / Month for 2 cars plus house

21 , licenced for 5 years a few speeding tix when i was 16 lol.

[2EFNFAST]

Shop around and see what you're paying for - some rates people are paying are :nut: ; I was told yesterday that the insurance cost for somebody with a civic ranged from 1900 to almost 3500/yr, with no accidents/tickets. Tickets/accidents jumped to like 3k to 5k! C-r-a-z-y :nut:

For reference, i'm 26 (10yrs driving for the silly grid system), 0 accidents/tickets, $2M liab, $1000/$1000ded., no glass and my rates last year (more or less, I forget the exact dollar amount)

-65 cobra: $400 (16,000km/yr, no work, shopping)
-02 z06: $800 (16,000km/yr, no work)
-03 g35: $850 (16,000km/yr, work allowed)
-03 viper: $700 (16,000km/yr, no work)

Insured through aviva with house

edit: Don't forget that the type of vehicle (Accident rate, repair costs, etc...) as well as where you live will affect rates (higher crime areas = higher rates)


Originally posted by japan_us


I'm 24 + BMW E46 Cab + tickets and I'm paying around $1600 - $1700 (full coverage). Even then I think I could get a better deal, and I should also be getting a reduced rate when I hit 25 this year.


Isn't the 25thing really a myth for most parts? I think my insurance dropped by like $30/yr when i hit 25.

[adam c]

PLPD doesn't count for these stats

160/month
full coverage (250 deductible/250 collision/2 million liability)
24
3 speeding tickets
150 in a 110
130 in a 110
70 in a 50 (stupid memorial drive:whipped: )
1 other ticket

[japan_us]

Originally posted by 2EFNFAST
...

Isn't the 25thing really a myth for most parts? I think my insurance dropped by like $30/yr when i hit 25.

My insurance company told me that it would drop, so .. :dunno:

[davidm_86]

I'm 22, no tickets/accidents and have an 08.5 mazdaspeed3.

My original insurance company quoted over $3300/year. Called TD and I'm sitting at about $2200 for full coverage.

I called almost every reputable company in the book at TD Moleche Monex had the lowest rate by far.

[Xtrema]

Originally posted by em2ab
WTF? $1300 for my 2005 Civic, seriously go online and get more quotes.

Seems like 2 door Civics got raped this year. $1400 for 06. Switch to TD and back down to $940.

[adam c]

MM is exclusive though

[2ndgenlude]

348/month
08 civic si full coverage with TD. no tickets that i can remember, but i had a accident 3-4 years ago. at fault.

[Crymson]

i pay like 1988 or something like that with 2 cars, low deductables, and extra liablity. I think you need to shop around.

[88jbody]

I have 1500 in tickets in the past 3 years and I pay 1300/year PLPD.

but to answer your question "who else is getting screwed by insurance?"

everyone /thread

[xLostx]

but but..it protects us....:whipped:

[cisco88]

1100 on my 535i for the wifey and I. I don't pay anything on my company vehicle. When I hit 25 I went from paying 1500 on my Acura EL to just under 1000 a year.

No accidents, 1 ticket. TD Meloche Monnex FTMFW.

[Aleks]

$ 1080 / year Full Coverage for both my wife and I on the GTI.

Meloche Monnex, it will go down further when she turns 25 :D

[Proyecto2000]

have any of you guys heard of COSECO Insurance Company?

They have awsome rates, they qouted me roughly $1900/year for a 2008 Lexus IS250awd and ING my current provider qoutes me $6000 for the same level of full coverage. Even for liability on a 2001 Sentra COSECO is almost $400 cheaper then ING.

I will deffintly be changing insurence companys as soon as I figure a few things out.

[japan_us]

Originally posted by davidm_86
...I called almost every reputable company in the book at TD Moleche Monex had the lowest rate by far.

Wait till you have to make a claim. They're cheap in more ways than one.

[adam c]

Originally posted by japan_us


Wait till you have to make a claim. They're cheap in more ways than one.

why's that? when i had a claim the were awesome in helping me

[Lorne@UrbanX]

Paying 1200 for 2 suv's 04 and 06 full coverage for me and my wife.

[Tik-Tok]

Originally posted by japan_us


Wait till you have to make a claim. They're cheap in more ways than one.

No, they're actually better than most companies out there.

[japan_us]

^ Not in my experience. If you've had better dealings with them, good for you, however, I switched after making a claim with them a year ago, and am glad I did. Can't complain about their rates though.

[Doozer]

Originally posted by japan_us
^ Not in my experience. If you've had better dealings with them, good for you, however, I switched after making a claim with them a year ago, and am glad I did. Can't complain about their rates though. X2 - my wife did not have a good experience making a claim with them before we got married. After we got married, we combined the house and cars onto my policy, and said good riddance to Meloche Monnex.

[Tram Common]

I wonder how long until I have to change to lovely Albertan insurance... *sigh*

I pay about 70 bucks a month for full insurance on my 200SX. I also have a few tickets.

EDIT: Why full insurance on an old 200SX you say?

Because it's only a savings of $5/month to remove collision.

[TorqueDog]

I think I need to hit up a few insurance brokers for some new quotes.

[Moe Man]

i just got my second D plate, 498/year. first D plate was 512/year.

i just bolt the plate to anyone of my cars and away i go for 498 a year :rofl:

[Black Gts]

I started at 330 a month for 200,000 liability.
got down to 120 a month full coverage.
moved from huntington to Bridlewood, and it went up 10 bucks a month:nut: :nut: cant figure that one out:dunno:

[Xtrema]

Originally posted by Moe Man
i just got my second D plate, 498/year. first D plate was 512/year.

i just bolt the plate to anyone of my cars and away i go for 498 a year :rofl:

Doesn't D plate comes with higher deductible?

[R154]

211/month -21- plpd 3 cars one on parking. TD

93 civic, 91 240, 90 skyrine.

I am sure if I declared my mods I would be fuckt.

[4DoorGTZ]

150/mo for full coverage on an 05 Cadillac CTS-V, 27 and 1 ticket in the last while.

Thats with TD, State farm wanted over 250/mo so I ditched them after 10years.

[Proboscis]

Originally posted by GQBalla


+1

must be that windshield of his

HAHAHAHAHAHAHA :rofl:

[Smooth-Op]

22 years old - Impreza 2.5i '06 - 925 $/year for full coverage.

Desjardins Financial Security

[Eleanor]

Originally posted by Smooth-Op
22 years old - Impreza 2.5i '06 - 925 $/year for full coverage.

Desjardins Financial Security
I guess you're lucky that on the information they collect there isn't a "do you drift your car in parking lots" box to check :poosie: :D

[Smooth-Op]

Originally posted by Eleanor

I guess you're lucky that on the information they collect there isn't a "do you drift your car in parking lots" box to check :poosie: :D

;) :burnout:

I believe I'm getting a considerable discount for working there as an actuary. :angel:

[HiTempguy1]

I just checked out TD MM, holy shit they are good! And since I am with NAIT, I can get in. Sweet, if I get my cars sold the next car I insure will be switched over to them (if I don't have any cancellation fees with AMA).

[adam c]

only certain courses at NAIT/SAIT count for MM

[Clever]

$186.xx/ month on my 2003 Durango
$124.xx/ month on my 2000 Solara

Through AMA insurance, no tickets, been driving for a few years and I'm 30 in a month. Nothing but props to AMA insurance for handling an insurance claim, one so far from a tire blow out on the highway that led to a damaged rear bumper and fender wall on the Durango, and right before Christmas my wife got rear ended in the Durango and so far they have handled everything for us diligently and very professional, so if you haven't yet, give them a call. Oh, you have to be a member but it's only $80 or so for an annual membership.

[Aleks]

Originally posted by Clever
$186.xx/ month on my 2003 Durango
$124.xx/ month on my 2000 Solara

Through AMA insurance, no tickets, been driving for a few years and I'm 30 in a month. Nothing but props to AMA insurance for handling an insurance claim, one so far from a tire blow out on the highway that led to a damaged rear bumper and fender wall on the Durango, and right before Christmas my wife got rear ended in the Durango and so far they have handled everything for us diligently and very professional, so if you haven't yet, give them a call. Oh, you have to be a member but it's only $80 or so for an annual membership.

How long have you been driving exactly? IMO that's way too much to be paying for someone who is almost 30 AND married unless you started driving very recently.

[bourge73]

Go to RBC and get a quote. I pay 160 a month for full coverage on a 06 Civic, and PLPD on a 95 SHO and a 89 MX6 GT. thank me later. I have a couple tickets and we had a stupid meathead smack the side and the service was good to have it repaired.

[SCHIDER23]

:werd:

I switched with RBC from Allstate for my new vehicle 2009 infiniti, allstate wanted 2000 a year full coverage 500/500 deductible, and TD wanted 2300 500/500. I called RBC and got a rate of 1500 full coverage 2 million liability and 500/500 deductible, they said for next renewal it should go down. :thumbsup:

Oh btw no tickets, or claims and been driving for 8 years, age 26

[rony_espana]

I pay about $1900 for 3 vehicles, well 2 trucks and a motorcycle! I just turned 25.

[Moe Man]

Originally posted by Xtrema


Doesn't D plate comes with higher deductible?

i didnt even pay attention, dont think so.

[HiTempguy1]

Originally posted by adam c
only certain courses at NAIT/SAIT count for MM

While I know we've argued in other threads, rather then being cryptic and vague, would it be possible for you to point me in the direction of this list? ;) I'd appreciate it!

[Generic]

I live in Ontario and for my 01 Prelude I pay $3200 a year. I'm 20 and have been driving for 3 years without accidents, tickets, and I am just PLPD. Its effing ridiculous.

[Dj_Stylz]

My dad just paid $1800 for his 02 Nissan altima with 3 occasional drivers. Hes been driving for more then 25 years.
What a rip off. Probably because of all the occasional driver's he added.

[Tram Common]

Originally posted by Generic
I live in Ontario and for my 01 Prelude I pay $3200 a year. I'm 20 and have been driving for 3 years without accidents, tickets, and I am just PLPD. Its effing ridiculous.

Oh my god....:eek:

[Prelude_dude]

21, 2000 honda prelude, full coverage, premium package with window insurance and lower deductable, few tickets here and there, 2 accidents (not my fault) .... $1400 a year lol

Saskatchewan student living in calgary ftw

[Generic]

Originally posted by Tram Common


Oh my god....:eek:

oh and i called around a ton too. I called 20 insurance companies, and this was the lowest fucking rate i could get.

[ShermanEF9]

i pay 1400 for my civic for full coverage and im a new driver

[Joe-G]

Originally posted by ShermanEF9
i pay 1400 for my civic for full coverage and im a new driver

New driver? How old are you, and what company are you going through?

[1slw4dr]

I pay about 4200 a year for plpd I also have about 11 tickets and one accident

[Generic]

Originally posted by 1slw4dr
I pay about 4200 a year for plpd I also have about 11 tickets and one accident

holy, how do you even do that

[ShermanEF9]

Originally posted by Joe-G


New driver? How old are you, and what company are you going through?

19 and bell davidson... everywhere else quotes me 2 grand plus for basic.

[Joe-G]

Originally posted by ShermanEF9


19 and bell davidson... everywhere else quotes me 2 grand plus for basic.

That seems to be pretty good, since you were saying you were a new driver.. Looks like i need to go shopping :(

Mines just under 5k for full coverage on the 02 CRV for winter. :(
No tickets, no accidents, no suspensions or anything. Im with Allstate. I am 17, and Ive been (legally) driving for more than a year though.

[Xtrema]

Originally posted by Dj_Stylz
Probably because of all the occasional driver's he added.

Yes.

I have a 03 3.5SE (which is in a higher class than 2.5) and I'm at 1/2 that for comprehensive.