Who do you use for insurance?

[stealth131]

Looking at some quotes now that I have picked up another vehicle. The best quote I received was 203 /month for both my talon tsi and jeep. I'm 20 with about 2 tickets still on there.

Anyone recommend anything cheaper?

[Tomaz]

Mom/Dad :thumbsup:

Intact (ING) can be cheap for some

all-state if you have a good record

Walakalahara or whatever the fuck it's called was pretty cheap. - somebody might know what company I am talking about.

A broker should help you find something.

[heavyD]

TD Monnex

[Twin_Cam_Turbo]

TD, I pay $187 a month for my Subaru and Yamaha Raptor.

[stealth131]

I guess my record isn't that good... I'm with my parents right now and they are going to want 1800 a year for each vehicle. The recent quote is like 2100 for both.

[stealth131]

TD monex is the one who gave me the 203 /quote

[G-ZUS]

TD MM - ~90 a month for 1 car

[LadyLuck]

AMA - $70/month for my civic.

[Hakkola]

I'm with TD MM as well.

You're 20 and they gave you a quote OP? Thought you had to have a degree to be insured with them.

[stealth131]

Originally posted by Hakkola
I'm with TD MM as well.

Your 20 and they gave you a quote OP? Thought you had to have a degree to be insured with them. I used to have a crown vic and a blazer insured with them when I was 19. Just needed a valid bank info.

[Twin_Cam_Turbo]

I just called them up and asked for a quote and they gave me one :dunno:

[DJ Lazy]

Im with RBC Insurance.. Full coverage + Renters Insurance for 160/month. Not to bad considering I have had a claim in the past 3 years.

ING was quoting me over 200/month just for my car.

[cream]

Are you guys talking about liability or 2-way?

[ExtraSlow]

Originally posted by Twin_Cam_Turbo
I just called them up and asked for a quote and they gave me one :dunno:
Also note that there is a difference between TD Meloche Monnex (http://www.melochemonnex.com) and TD Insurance (http://www.tdinsurance.com)

[flipstah]

State Farm: My Outlander with me as a primary driver and comprehensive $188/mth. I'm umbrella under my parents.

[e31]

Originally posted by Tomaz

Walakalahara or whatever the fuck it's called was pretty cheap. - somebody might know what company I am talking about.


Probably meant to say Wawanesa: yes they are cheap, but don't even get what you pay for. Full Collision coverage to them means pick up the tab at your own convenience and fight for a year to get some of it back.

Do not recommend unless bare minimum insurance is required.

[Twin_Cam_Turbo]

Originally posted by ExtraSlow

Also note that there is a difference between TD Meloche Monnex (http://www.melochemonnex.com) and TD Insurance (http://www.tdinsurance.com)

I mean TD MM.

[Cos]

^^ TDMM will only insure people who are part of an org or an alumni.

[Twin_Cam_Turbo]

I guess maybe because im a Student then.

[Phenix]

I get the Engineering group rate with TDMM

[master hec0]

just put insurance on my silvia. went thru westernfinancial using aviva. 900$/year. they were the cheapest and i did my shopping im 20 1 ticket.

[911fever]

I pay $1590 a year here in Ontario for my F150 with Meloche Monnex.

[Tomaz]

After posting in here, I decided that it was time to shop around, and I am still finding Intact the cheapest.

Intact - $6600
RBC - $6800
Aviva - $6800
TD - Awaiting reply

I honestly cant wait to turn 25 this year.

[spikerS]

man, i am with TD and i guess it is pretty cheap.

I pay $118 a month for my Jeep with full coverage, - minus glass, and my truck with just PLPD.

[Twin_Cam_Turbo]

Originally posted by Tomaz
After posting in here, I decided that it was time to shop around, and I am still finding Intact the cheapest.

Intact - $6600
RBC - $6800
Aviva - $6800
TD - Awaiting reply

I honestly cant wait to turn 25 this year.

Terrible driving record?

[Tomaz]

Originally posted by Twin_Cam_Turbo


Terrible driving record?

Yes, but have been clean for 5 years almost. Everything before Oct 2005 was just just a disaster. "The Young and the Reckless", if you will.

Honestly though, this is how much I have paying since I started driving when I was 16. I have just gotten used to it.

Just as a question out there, how far back do insurance companies look when quoting? (I know all are different, but a ballpark guess would be nice)

[Twin_Cam_Turbo]

Shit well i'm terrified of my rates now, I received my first demerit ticket in BC last week ($113 3 demerits for breaking municipal speedlimit in Golden), I am expecting the wrost.

[Cos]

^^ dude that is insane. I know we talked about this in the other insurance thread but I am the exact same age as you, had 2 accidents, 1 hit and run, 1 speeding ticket, and I pay $1580 a year full coverage!

[hustler]

Originally posted by Cos
^^ dude that is insane. I know we talked about this in the other insurance thread but I am the exact same age as you, had 2 accidents, 1 hit and run, 1 speeding ticket, and I pay $1580 a year full coverage!

who are you insured with?

[Cos]

^^ Masked Bandit :)

[03ozwhip]

im old balls(30) with a pretty good driving record, i pay 1100 for full coverage on my TL, plpd on the integra and regular coverage on my R6. cant remember the company but my broker is masked bandit.

[stealth131]

Originally posted by Twin_Cam_Turbo
Shit well i'm terrified of my rates now, I received my first demerit ticket in BC last week ($113 3 demerits for breaking municipal speedlimit in Golden), I am expecting the wrost. I have 2 tickets, partial fault accident in work truck and mines 246/month for talon and jeep.

[Tomaz]

Originally posted by Twin_Cam_Turbo
Shit well i'm terrified of my rates now, I received my first demerit ticket in BC last week ($113 3 demerits for breaking municipal speedlimit in Golden), I am expecting the wrost.

Oh, you should be fine. Your rates shouldn't increase much, if at all. One infraction doesn't do anything. Multiple will.



Originally posted by Cos
^^ dude that is insane. I know we talked about this in the other insurance thread but I am the exact same age as you, had 2 accidents, 1 hit and run, 1 speeding ticket, and I pay $1580 a year full coverage!

If that is all you have on record for your driving career, then it makes sense. Just for curiosity, what is your deductible? I have a $1000 deductible on full coverage.


Just for reference for others here to compare, I'll post up some stats I just received from my insurance broker.

-64 moving violations between 2002 and 2005 (65 total from 2002 - now)
-2 Claims (1 in 2005 & 1 in 2009)
-2 no-claim collisions (these don't count to your rates unless charges are laid, or no money is paid out)
-1 suspension in 2006 (conviction from 2005 collision)

Like I said, I have been keeping a clean record (minus the one claim in 2009 and one ticket in 2010) for almost 5 years now and have 2 demerits left. I really hope the rates will drop.

Currently I need to be on my dad's insurance just to keep costs down to keep driving/working. Under my father, I am paying about $1800/year. Notice how I am still paying more than you Cos? lol

If there are any insurance brokers on here that wouldn't mind quoting on these stats, feel free to PM me! lol

[GOnSHO]

for my Truck i use Competition insurance, saved me 1000 a year last year and went down another 200 this year...

2009 Ram - full coverage - 205/mth
-1/2 tickets on my ins
-1 accident back in july of 2006, will be off my insurance on my next renewal (aug)

my bike, i use blue circle

[Shlade]

Im with Intact (ING)

Paying about $3700 a year full coverage on my 08 Mustang.

Averages out to about $361 a month. I called a few places to see if I can get cheaper but no luck. Itd be more expensive.

My parents have been with ING for almost 11 years now so I get cheaper rates threw them.

2 tickets on my record tho unfortunately but shit happens.

Im also 19 tho turning 20 here soon. Probably the cheapest I can expect for a sports car and my age.

[Cos]

Originally posted by Tomaz




If that is all you have on record for your driving career, then it makes sense. Just for curiosity, what is your deductible? I have a $1000 deductible on full coverage.


Just for reference for others here to compare, I'll post up some stats I just received from my insurance broker.

-64 moving violations between 2002 and 2005 (65 total from 2002 - now)
-2 Claims (1 in 2005 & 1 in 2009)
-2 no-claim collisions (these don't count to your rates unless charges are laid, or no money is paid out)
-1 suspension in 2006 (conviction from 2005 collision)

Like I said, I have been keeping a clean record (minus the one claim in 2009 and one ticket in 2010) for almost 5 years now and have 2 demerits left. I really hope the rates will drop.

Currently I need to be on my dad's insurance just to keep costs down to keep driving/working. Under my father, I am paying about $1800/year. Notice how I am still paying more than you Cos? lol

If there are any insurance brokers on here that wouldn't mind quoting on these stats, feel free to PM me! lol

Yeah that is a hair more infractions than me. Lol. I dont even know what my deductible is. $500.00 I think but not sure.

Honestly that is a pretty good rate considering.

[leftwing]

im with state farm, got my 03 cobra and 98 blazer there. Its around 290/month for both vehicles when the are both insured (cobra only has fire/vandalism during winter months).

My mom has been with them for over 30 years and Im a student with GPA discount so I think i get a pretty good deal.

im 22. no records in the last 5 years.

[ExtraSlow]

Originally posted by Tomaz
Just for reference for others here to compare, I'll post up some stats I just received from my insurance broker.

-64 moving violations between 2002 and 2005 (65 total from 2002 - now)
-2 Claims (1 in 2005 & 1 in 2009)
-2 no-claim collisions (these don't count to your rates unless charges are laid, or no money is paid out)
-1 suspension in 2006 (conviction from 2005 collision)

ho-lee-fuck.

[GOnSHO]

Originally posted by ExtraSlow

ho-lee-fuck.

thats what i was thinking!! 64 infractions!?

[-STi-]

I use Intact aswell

I'm 21 I have 1 ticket in the past 3 years, and I have full coverage on my genesis and PLPD on my neon.

I pay 393/month...

Best rate the broker I used could find.

[wintonyk]

I am with TDMM no infractions, 1 claim (hail from last summer) , I am 24 been driving for 8 years.
I was 193/month on the 08 WRX
Now I have an 00 A4 and pay 166/month.

[vice1986]

TD Primmum for my 2000 2.5RS. $122/month full coverage $1,000 deductable.

[gyu]

TD MM is cheapest of the ones I've checked although I didn't check too many at the time. I think they do insure anyone, and if you are part of an alumni or group you get a discount because I remember filling out the online quote it asked if you are part of an alumni/group and if you are, you are eligible for a discount.

[Shlade]

Originally posted by leftwing
im with state farm, got my 03 cobra and 98 blazer there. Its around 290/month for both vehicles when the are both insured (cobra only has fire/vandalism during winter months).

My mom has been with them for over 30 years and Im a student with GPA discount so I think i get a pretty good deal.

im 22. no records in the last 5 years.

God damn thats good. Especially for a cobra..

is the cobra full coverage during the summer months?

I called state farm and they wanted 9 grand out of me a year for an 08 Mustang GT. Dunno if they consider that car a 400k Lambo or not but damn..