Insurance Rates

[snowboarder206]

Anyone hear about when the insurance rates are suppose to go down, and how much?

Say for a 16 year old driver, how much less well he be payin :P

[3G]

Originally posted by snowboarder206
Anyone hear about when the insurance rates are suppose to go down, and how much?

Say for a 16 year old driver, how much less well he be payin :P

They're supposed to go down to like $1600/year or so I heard on the news but I don't know when :(

[snowboarder206]

yah, I heard april 1st from someone but i think thats Bullshit.. 1600, would be amazing 134 a month :D..

[snowboarder206]

wow this has 2 stop just got quoted $6100 a year for a car.

[davidI]

The insurance companies have a reason to put rates so high though....I mean, they're only profiting $2.5 billion a year :rolleyes:

[cujo_cjc]

$1600 a year?
where did u hear this?

[xkon]

Originally posted by Mx6GtTurbo


They're supposed to go down to like $1600/year or so I heard on the news but I don't know when :(

:rofl: :rofl: :rofl:
ill believe that when I see it!!

[3G]

Originally posted by xkon


:rofl: :rofl: :rofl:
ill believe that when I see it!!

Yah me to but it was on the news those motherfuckers they can all eat a dick.

but I got a quote today, $1400 a year for a Prelude :eek:

[hjr]

basically if you are a young male in alberta, just start paying now or go as an occasional under your parents. there are no other options if you want to drive. it will be very expensive to get your own policy, and it will only be worse if you get a ticket or accident. so to inform you of this cruel world we live in. im 20 and pay 2400

[CKY]

Originally posted by Mx6GtTurbo


Yah me to but it was on the news those motherfuckers they can all eat a dick.

but I got a quote today, $1400 a year for a Prelude :eek:

and how old are you??

[red RX-7]

I just changed insurance companies and I saved $140 a month. I now pay $215 compared to $355.

yah I HATE state farm insurance.

my new insurance is through peace hill in edmonton. Its basic with fire, theft, and some other things and thats my own policy.

oh yah and im 20 with no accidents or tickets.

[91_Integz]

Originally posted by Mx6GtTurbo


Yah me to but it was on the news those motherfuckers they can all eat a dick.

but I got a quote today, $1400 a year for a Prelude :eek:

i hope you aren't complaining! 1400 a year is cheap!

[3G]

Originally posted by CKY


and how old are you??



Originally posted by 91_Integz


i hope you aren't complaining! 1400 a year is cheap!

no I'm not complaining :) but that is just for PLPD. 1 way :eek:

btw I just turned 18 :)

[SAiamNE]

Originally posted by red RX-7
I just changed insurance companies and I saved $140 a month. I now pay $215 compared to $355.

yah I HATE state farm insurance.

my new insurance is through peace hill in edmonton. Its basic with fire, theft, and some other things and thats my own policy.

oh yah and im 20 with no accidents or tickets.

I'm gonna have to give these guys a call.
I just got put under my moms insurance as a full time driver for a 90 GXL RX-7 and they want almost $300 a month!:eek:

[GorG]

Yea it is going to be 1600/yrly, but its not just that, its funny how it works, you can get into an accident lets put it that way. OInce you are going to get into one accident your payment doubles from 1600/yr to 3200/yr, and so on with any accident, as the year goes from one to the next instead of paying 1600/yr they take off a certain percentage of a600/yr and lower it, but you need to have it clean, not even speed tickets. Its a sweet deal if your a good driver but if your not, it could get ugly

[cujo_cjc]

so within a couple of months
the flat/basic rate is $1600/year and the rest is determined by ur driving record right?

[3G]

Originally posted by SAiamNE


I'm gonna have to give these guys a call.
I just got put under my moms insurance as a full time driver for a 90 GXL RX-7 and they want almost $300 a month!:eek:

Give Royal Bank a call. Put ur mom as fulltime drive and yourself as parttime driver. Then just get PLPD. :thumbsup: that should be something around 1400. and dont tell them its a daily driver just pleasure vehicle! good luck

[rx7_turbo2]

Originally posted by Mx6GtTurbo


Give Royal Bank a call. Put ur mom as fulltime drive and yourself as parttime driver. Then just get PLPD. :thumbsup: that should be something around 1400. and dont tell them its a daily driver just pleasure vehicle! good luck

Then if he gets in an accident and they find out his mom is NOT the primary driver, and that the car is being used for MORE than a pleasure vehicle he's fucked.

I know more than a few young kids who tried to work around the system like that. Some of them it worked out OK some got into a whole heap of trouble and are still paying out the ass for insurance years later.

[finboy]

i think i'll still be fucked on with the reform...

right now 340/month, plpd, 1 ticket which comes off this year, o accident which i SHOULD have payed out, or asked for additional quotes, only 6 more years till cheap insurance :rolleyes:

thats through AMA, i can't find ANYTHING cheaper. TD keeps on "forgeting" to send me an application form even though i've requested one on 3 occasions. :(

[3G]

Originally posted by rx7_turbo2


Then if he gets in an accident and they find out his mom is NOT the primary driver, and that the car is being used for MORE than a pleasure vehicle he's fucked.

I know more than a few young kids who tried to work around the system like that. Some of them it worked out OK some got into a whole heap of trouble and are still paying out the ass for insurance years later.

Thats why you DON'T drive like an ass

[bighead411]

renfrew thomson(not sure the spelling) have reasonable quote. give a try........also, i think TD is the cheaper in town(note. unless u've claim history/ticket stuff). hope this help.

[snowboarder206]

Originally posted by bighead411
renfrew thomson(not sure the spelling) have reasonable quote. give a try........also, i think TD is the cheaper in town(note. unless u've claim history/ticket stuff). hope this help.


you got phone numbers haha im lazy.


im gunna be happy if i get a quote for $4000 - $4600 a year for a veichle haha..



ING Trilagy is fucken horrible..


biggest fuck heads..I waited 2 weeks for a quote then say said $6100 will be the lowest..when my parents are under there insurance, i was payin $140 a month for secondary, now payin $90...getting ripped off hard core.. :(

[snowboarder206]

Originally posted by GorG
Yea it is going to be 1600/yrly, but its not just that, its funny how it works, you can get into an accident lets put it that way. OInce you are going to get into one accident your payment doubles from 1600/yr to 3200/yr, and so on with any accident, as the year goes from one to the next instead of paying 1600/yr they take off a certain percentage of a600/yr and lower it, but you need to have it clean, not even speed tickets. Its a sweet deal if your a good driver but if your not, it could get ugly


I wouldn't mind that..since i'm getting quoted over 6000 haha.. on a family Sedan.. 99 intrepid .. (dont ask, its my first car..) haha
Do you know the estimated date the insurance rates will drop? Before summer ends?

how old are u gunna have 2 be to be getting the $1600 a year deal

[gkAeris]

i have to pay $4500/ year for insurance i'm a girl and 21! that's bull i haven't gotten a speeding ticket in 3 years....

that's the cheapest .....gay

[snowboarder206]

haha but your drivin and 2003 RSX :P

What insurance company are u under...

[NickGT]

Originally posted by gkAeris
i have to pay $4500/ year for insurance i'm a girl and 21! that's bull i haven't gotten a speeding ticket in 3 years....

that's the cheapest .....gay

wow thats what i pay too :guns: Insurance Companies (I guess it could be worse, but I still feel like I'm being robbed.)

-edit-
Started driving under my parents when I was 16. Been on my own policy since I was 17, 21 years old now, male, clean record. TD Auto Insurance.

[ryder_23]

Originally posted by Mx6GtTurbo


Thats why you DON'T drive like an ass

you never know they are called accidents for a reason..shit can just happen..

i pay 2000/year pl/pd with theft ... under my own account, completly seperate of parents...with melloche monnex (sp) 0 tickets 0 accidents (knock on wood)

[Xtrema]

Major deciding factor in insurance

- age (breaks @ 23 and 25)
- pass claims/accidents
- insurance history (if you're not insured in the last 2 years, you record resets and start @ highest rate, it's critical you have continuous coverage)
- offenses/tickets
- sex
- marriage

Minor deciding factor in insurance

- High power vehicle (200hp+ will cost more to insure)
- SUV > Coupe > sedan
- Stolen rate
- price/class of vehicle

[kolumbo69]

It all kind of funny how they class insurance costs, reasons why i thinks it's all bullshit.
1.) I never see anything but mini vans with middle age people speeding
2.) I have just about been hit by more careless 30yr olds that dont sholder check and are to confident with there driving
3.) I was hit from behind by some ass shit that was 35+ wrote of my hatch, I am still recovering and have been in physio for over 3 months
4.) If you go by actual statistics are age group is SECOND least likely to get in an accident and second least likely to have one involving death, but 25-45yr olds have the highest accident rate and are most likely to get involved in a accident causing death

Also i think there is no need to put a cap on injury claims because you would never no the pain or how it fucks up youre life until you have one. The insurance industry in our province is bullshit they lie about not making money but as their yearly report comes in they have made double what they did last year and are still having to pay out injuries. Our insurance only provides a service nothing else, and to receive anything from them in any situation they have to pay out, you have to fight for every dollar and they dont help you in anyway.Dont always think to that because you have accident free they wont raise your premiums as my mom had a 20% increase because she was do for an accident.

Sorry for the rant but we are all getting raped i have taken the course and everything and pay 3800 for plpd with fire theift.The whole situation is B.s and why in a democratic situation as this dont we the people the buyers and taxpayers have more say over what the final ruling is?

OH yah why in a world of equlity should your sex matter for insurance.

[cujo_cjc]

Originally posted by kolumbo69
It all kind of funny how they class insurance costs, reasons why i thinks it's all bullshit.
1.) I never see anything but mini vans with middle age people speeding
2.) I have just about been hit by more careless 30yr olds that dont sholder check and are to confident with there driving
3.) I was hit from behind by some ass shit that was 35+ wrote of my hatch, I am still recovering and have been in physio for over 3 months
4.) If you go by actual statistics are age group is SECOND least likely to get in an accident and second least likely to have one involving death, but 25-45yr olds have the highest accident rate and are most likely to get involved in a accident causing death

Also i think there is no need to put a cap on injury claims because you would never no the pain or how it fucks up youre life until you have one. The insurance industry in our province is bullshit they lie about not making money but as their yearly report comes in they have made double what they did last year and are still having to pay out injuries. Our insurance only provides a service nothing else, and to receive anything from them in any situation they have to pay out, you have to fight for every dollar and they dont help you in anyway.Dont always think to that because you have accident free they wont raise your premiums as my mom had a 20% increase because she was do for an accident.

Sorry for the rant but we are all getting raped i have taken the course and everything and pay 3800 for plpd with fire theift.The whole situation is B.s and why in a democratic situation as this dont we the people the buyers and taxpayers have more say over what the final ruling is?

OH yah why in a world of equlity should your sex matter for insurance.

:werd:
i kno how u feel
i'm 17 and i pretty much drive the speed limit all the time (maybe 10 km over sometimes)
and its just annoying how many ppl will tailgate me and then drive by me and glare at me :thumbsdown:
just like u said...they're around the 30-35 age bracket

[GT2NV]

1 more year until i collect safe drivers, *crosses fingers*:nut:

[Drsuce]

i pay more for car insurance per year than i paid for my car! :P
19 years old
85 toyota mr2
no tickets
no accidents
$400/month
fire/theft
plpd

the catch is, that i had no insurance history, in october i will move to TD, they quoted me at $200.

I called every broker in the yellow pages, was the cheapest place that would accept me.

i go through salmon palmer insurance.

and yes, its total bullshit, i wish we had BC's insurance :/

[cujo_cjc]

^^
hopefully soon that'll all change with the new reform...
only time will tell :nut:

[Zero102]

I pay $3200/year, 4 not at fault accidents, no tickets.
PLPD, comprehensive on a 86 porsche 944.
Collision alone was $3600/year, so I didn't take that =)
It's a rip off. But what can you do? If you scam the system, they will fuck you in the end...
Just bend over I guess?

But yeah, I have been hit by 3 older (25+) people, and 1 young kid... but somehow people under 25 are more likely to cause an accident? BS

[CKY]

i was just wondering how much did you guys pay for when you first started driving, because i'm going to have to get mine soon, and from what i've read TD seems to be the best choice, would it help lower the rates if your family already has bank accounts and doing mortgages there???

and how exactly does the BC insurance system differ from ours?

[kolumbo69]

Bc system is govermental and it has no biased stuff such as age and such just amount of drving experince. They mostly just do your insurance on what the book value of your car is. But the bad side of that is if your car is actually worth more than the book value they would rather have you with private insurance anyways.

[Jynx]

im 16 and on a 2003 4 door cavalierr i pay 8700........i have a clean record, (no tickets or accidents), however ma brother has accident and a carless driving, and ma mom has one accident!

for some reason that affects mee
ma bro pays 8300 on a 99 malibu
and ma mom 4600 on 2003 cts

thats nearly 22,000 a year and u guyz are complaining about 5 and 6 thousand dollars!!! :dunno:

btw we are with cooperators ( one of the only companys which would insure us)

[switch]

Hahahahaha my WRX costs me $1400 /yr to insure.

[cujo_cjc]

^^^
u lucky bum! :guns:

[Jynx]

Originally posted by switch
Hahahahaha my WRX costs me $1400 /yr to insure.

i woould kill to pay double thAAT!!! :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead: :banghead:

[switch]

Alberta's insurance rates are retarded, I grew up in BC and when I turned 16 it cost me $900 to insure my Corolla GTS. Four years later I had the safe drivers discount of 40% and I was paying just over $700 /yr.

The rates here are disgusting, but since I am over 25 they aren't too bad but I have no idea how you younger guys can do it.

[lam-boy]

yeah! im under my parents. 13XX a year.

[calgary350z]

wow i guess it pays to be old, my insurance onmy 350z is only 1715.00 with a 250 deductable and full coverage. I cant beleive this province, i miss my old sask. rates. To bad sask. sucks

[Dirty_SOHC]

whhhoooot I'll be 25 this year:thumbsup:

[DJ Lazy]

It should be interesting when I go to get my own policy next year.. considering that I committed Insurance Fraud... (charges were dropped, No Criminal Record)...

However I am still on as a casual driver with my parents (same company I tried to screw over) and the first year after my offense, I had to pay $998 for my part of being on my parents policy... this past year it dropped down to $642... So I dunno what the insurrance company is doing.. but I hope this is a sign of what I can expect when I get my own policy... :)

EDIT: I am currently 22..

[Skyline_Addict]

Originally posted by switch
Hahahahaha my WRX costs me $1400 /yr to insure.

how? what insurance company are u with?

[pr0]

1700 year / eclipse rs

I took the rs model, because i got quoted at 4500 for a gs-t and 5500 for a gsx. What a rip...

[switch]

Originally posted by Skyline_Addict


how?

I gave them $1400 and they gave me these little stickers to put on my car.


Originally posted by Skyline_Addict
what insurance company are u with?

Blue something?

[7thgenvic]

insurance fucking sucks, i pay stupid amounts for my car, and its a fucking 2002 civic!

[40oztofreedom]

Anyone know of any high risk companies with reasonable quotes. Meaning less than 8000 a year!
I was a little careless a couple years back and now im paying for it.

[Mckenzie]

Here is the link to the proposed changes:

http://www.autoinsurance.gov.ab.ca/

Pretty informative and very exciting for us young drivers branded the devil by insurance companies..

I am 21, clean driving record, driving since I was 17 and I am paying $236/month with plpd and theft. Collision would be $400/month:eek:

Fucking swines:bullshit: :thumbsdow :whipped:

[cujo_cjc]

thats crazy :nut:
i'm 17..and my first full year of driving will be this june...and i'm paying $210 a month..

how r u paying that much still?

[gearhead]

I can't wait to be 25, one more year.

[cujo_cjc]

i drive a 4 door civic lx
but he's like 4 years older...does 2 doors really make that much of a difference?

[Mckenzie]

Blue something?

Blue Circle Insurance company?

[black_shadow_18]

Im 21 have 3 tickets, no accidents and pay $1100/yr for a 1993 Talon TSi whit everything except collision. When I first got my 02 RSX I was paying $4500/yr, and when I sold it it dropped to $2700 full coverage. I have always had fairly cheap insurance. But my parents have never had a ticket or claimed accident either.

[cujo_cjc]

^^
how old were u when u first got the rsx ($4500/yr)?

[legereandrew4]

"im 16 and on a 2003 4 door cavalierr i pay 8700........i have a clean record, (no tickets or accidents), however ma brother has accident and a carless driving, and ma mom has one accident!"


you pay 8700 a year for a cavalear? thats absalutly redicules! your 16!!! man whos your insurnce company you deal with? cause I think they got your family bent over a counter man! id call some other insurence companies, cause im pretty sure your getting ripped off man.

[VetteRacin]

I pay $3000/yr for my 87 with just pl and pd with 1 ticket and no accidents.

[7thgenvic]

Originally posted by cujo_cjc
thats crazy :nut:
i'm 17..and my first full year of driving will be this june...and i'm paying $210 a month..

how r u paying that much still?

your probably under your parents insurance tho as a secondary driver! thats why your only paying 210/mth

unless you drive a 1965 beater

[cujo_cjc]

Originally posted by 7thgenvic


your probably under your parents insurance tho as a secondary driver! thats why your only paying 210/mth

unless you drive a 1965 beater


nope
i'm primary driver and i have to be since theres enough cars per people with a liscense in my family

and i'm driving a 4 door 95 civic lx

[300zxluva]

A-plus insurance in bowness always gave me great quotes