Insurance for you beater

[Ukyo8]

Hey everybody,

Out family bought a mini van for misc dirty jobs, and I was wondering which insurance company you would recommend for the absolutely cheapest rates, all I need is liability so it is legal to drive on the road, no comprehensive or anything like that (keep in mind the van is only worth about $200)

any input will be appreciated!

[scat19]

The big banks blew away my broker and their rapage.

Went from 275 (No collision, nothing) to 300 a month with full everything.(RBC)

So I'd say give RBC a call.

[Ukyo8]

Yeah I've had a couple of people recommend RBC to me today, I'll give them a call tomorrow

[bituerbo]

I pay something like $46 a month to state farm, my neon is a 2nd vehicle, liability insurance only. I'm only 24, too.

[A790]

I pay $202/mo for a '08 Carolla Sport, full coverage, $500 deductables. That's with TD. RBC quoted me a little less ($189/mo), but it wasn't worth switching.

[lison]

Don't do C.J. Campbell Insurance.
I'm on as occasional driver for an 07 Camry with full coverage for $1,200/a.

[Masked Bandit]

Why wouldn't you just put it where you have the rest of your vehicles insured? That should give you the best price by triggering multi-vehicle discounts and such.

[Vince1]

Originally posted by bituerbo
I pay something like $46 a month to state farm, my neon is a 2nd vehicle, liability insurance only. I'm only 24, too.

Ditto, State Farm is where it's at. I pay 226$ a moth for BOTH my trucks, full coverage and commercial. And they are actually easy to deal with too.

[Tomaz]

RBC should be a good choice, but not for me :(

Intact Insurance (formerly ING) is a big pain in my ass. One mess up and everything goes wonky with these guys. nothing ever goes smooth. But they are the only guys willing to insure me for a reasonable amount of coin...

2009 Mazda 3. $6200/year with Intact Full coverage, minus glass and a $500 deductible.

RBC wanted $6800. Full coverage, minus glass and a $500 deductible.

Either way, shop around. There are enough companies out there.

[revelations]

SGI - 41$ a month for a beater Mazda B2200 with bare bones minimum coverage.

[Mibz]

I pay $38 a month on my Jeep at Aviva.

[Vince1]

Originally posted by Tomaz
RBC should be a good choice, but not for me :(


RBC wanted $6800. Full coverage, minus glass and a $500 deductible.

Either way, shop around. There are enough companies out there.

How the hell can RBC want $6800 for a lil' 4-banger? My Dodge, fully insured is costing me 1600$ a year. Then again, I'm 34 but still...

WTF??? Dude RBC, any big bank = RAPE

[JfuckinC]

Originally posted by Vince1


How the hell can RBC want $6800 for a lil' 4-banger? My Dodge, fully insured is costing me 1600$ a year. Then again, I'm 34 but still...

WTF??? Dude RBC, any big bank = RAPE

You gotta crash a car to get those rates man!

[Tomaz]

Originally posted by JfuckinC


You gotta crash a car to get those rates man!

Unfortunately, you got it. Still suffering the consequences of that one. Rates drop back to normal range in June! :clap:

[Mibz]

That's insane, I was paying $3600 a year with full coverage on the SRT-4 when I first got it and still had an accident on my record.

[Cos]

Originally posted by Mibz
That's insane, I was paying $3600 a year with full coverage on the SRT-4 when I first got it and still had an accident on my record.

yeah I was under 18 with one at fault accident and one not at fault accident and I was paying 3500.00

Granted that was 6 years ago

[atgilchrist]

I pay $130/month for full coverage (inc collision and liability) and two drivers on my Murano with Meloche Monnex.

[scat19]

How can people say ING (intact) is cheap. for me, it was the other way round. RBC beat Intact by a ton!

[Tomaz]

Originally posted by scat19
How can people say ING (intact) is cheap. for me, it was the other way round. RBC beat Intact by a ton!

Read my quote from above. lol

The following is information according to my broker. Whether this statement is true or not has yet to be confirmed.

Intact (ING) is a high-risk insurance company. Meaning, that they will take on clients that most other companies would turn down. So if you are high risk, RBC will quote you an outrageous rate to deter you from signing with them. Intact has a different rate calculator that has a more steady of an increase in rate categories, but doesn't have huge savings for the safe drivers.

[dino_martini]

Originally posted by Tomaz
RBC should be a good choice, but not for me :(

Intact Insurance (formerly ING) is a big pain in my ass. One mess up and everything goes wonky with these guys. nothing ever goes smooth. But they are the only guys willing to insure me for a reasonable amount of coin...

2009 Mazda 3. $6200/year with Intact Full coverage, minus glass and a $500 deductible.

RBC wanted $6800. Full coverage, minus glass and a $500 deductible.

Either way, shop around. There are enough companies out there.

Holy shit man.

RBC wanted something like 5500+ for an IS300 for me. And I'm 18.

Car insurance is such a rip off.

[crapstixs]

Originally posted by dino_martini


Holy shit man.

RBC wanted something like 5500+ for an IS300 for me. And I'm 18.

Car insurance is such a rip off.

im not suprised, your 18 with a is300. that is a huge liability in its self.
i have a integra and a s13 through monnex $120 a month basic insurence. im 22. and they are awsome to deal with, really good customer service.

[Ukyo8]

ended up going with RBC, can't go wrong at $35 a month :rofl:

[2EFNFAST]

Originally posted by Ukyo8
ended up going with RBC, can't go wrong at $35 a month :rofl:

I find it hilarious that you're only paying $10 less/mth for that van than I am for my cobra :rofl:

[scat19]

2FN did you show the insurance girl your bathroom photo? :rofl:

[atgilchrist]

Originally posted by scat19
2FN did you show the insurance girl your bathroom photo? :rofl: :rofl:

[Cos]

Originally posted by dino_martini

And I'm 18.


your only 18? I feel old.

[Masked Bandit]

Originally posted by Cos


your only 18? I feel old.


You think YOU feel old?

[Cos]

Originally posted by Masked Bandit



You think YOU feel old?

touche, his epersonality seems older I guess

[Ukyo8]

Originally posted by 2EFNFAST


I find it hilarious that you're only paying $10 less/mth for that van than I am for my cobra :rofl:

how old are you?

[Zero102]

$35/month is doing pretty good, our winter beater (2000 neon) is insured with TD Meloche Monnex right now, $44/month including comprehensive (for $4/month I figured it was worth it) and accident forgiveness ($50/year regardless of number of cars).

[Zewind]

Ive got you all beat, when I was 16. Liability only was 7000
I had a 91 accord, Driver Training, no tix, no accidents.

[Tomaz]

Originally posted by Zewind
Ive got you all beat, when I was 16. Liability only was 7000
I had a 91 accord, Driver Training, no tix, no accidents.

You dont want to start this pissing contest my friend. lol

Let's just say there were/are worse:rolleyes:

[Masked Bandit]

Originally posted by Tomaz


You dont want to start this pissing contest my friend. lol

Let's just say there were/are worse:rolleyes:


Oh ya...

The worst / best (depends which side of the desk you're on) I've come across was a little over $11,000 for PLPD. And the kid paid it! He got a second job just to pay his auto insurance.

[Zewind]

Originally posted by Masked Bandit



Oh ya...

The worst / best (depends which side of the desk you're on) I've come across was a little over $11,000 for PLPD. And the kid paid it! He got a second job just to pay his auto insurance.

We used to have an older gentleman on the book, came to about $10,000 a month, full coverage.

[atgilchrist]

Originally posted by Zewind


We used to have an older gentleman on the book, came to about $10,000 a month, full coverage.

:eek: Did he play Carmaggedon for real? Or was it a Veyron?

[Tomaz]

Originally posted by Masked Bandit



Oh ya...

The worst / best (depends which side of the desk you're on) I've come across was a little over $11,000 for PLPD. And the kid paid it! He got a second job just to pay his auto insurance.

Correct me if i am wrong, but wasn't auto insurance through the roof about 8 years ago? I remember being a first-time driver with PL/PD being upwards of $400 - $500 per month. I think it is a bit more reasonable now...

[Masked Bandit]

Originally posted by Tomaz


Correct me if i am wrong, but wasn't auto insurance through the roof about 8 years ago? I remember being a first-time driver with PL/PD being upwards of $400 - $500 per month. I think it is a bit more reasonable now...


You're right, prior to the indroduction of the GRID system (October 2004) the rates for new drivers were pretty bad. This guy I'm talking about had only been driving a year or two, had a couple accidents and either 9 or 10 tickets. The interesting thing was that he wasn't bitter about the price at all. He knew he drove like a jerk and this was the result.

[Masked Bandit]

Originally posted by Zewind


We used to have an older gentleman on the book, came to about $10,000 a month, full coverage.


$120,000 per year????

Or was it the $10,000 per year? Commercial or personal lines?