car insurance prices

[dazz]

Any of you are between 19-23 and have your own car insurance(not under parents)? And you should not have another policy with them(car,or life insurance,etc).
Can you please list what you pay a year along with car,experience,insurance company and type of insurance(eg. liability+theft+collision)
thx.

[SoNgMaN]

23 male toronto
90 vw gti
PL PD $2300/year

i use a broker but insured with pilot.

[dazz]

23 male toronto
90 vw gti
PL PD $2300/year

i use a broker but insured with pilot.

thanks. what's PL PD? your driving experience?
I know experince matters when it comes to insurance.

[jerryhung]

Age: 24 (brother 23) <- both of us

Experience: can't remember, since 18 for me?

Insurance company: StateFarm

Car: 99 Honda Accord V6

Rate: $830 per 6 months -> ~$1700/yr? ($830 is "good student rate")
* Our condo (parents of course) is insured with them too, like $25~$50 per 6 months

[SoNgMaN]

thanks. what's PL PD? your driving experience?
I know experince matters when it comes to insurance.

fully licensed since 97 had an accident in Oct. 98. PD = public damage pl = public liability. PL/PD is basically the lowest form of insurance you can get. covers damage you cause to other ppl/other ppl's stuff. doesn't cover your car.

[astrogirl]

I'm 24, female.
8 years experience
Small two-door car (1999). I only have the public liability, no coverage on my car.
One speeding ticket, one accident (I wasn't at fault)
ING Insurance
$895 per year.

(Last year, before the speeding ticket, it was $1538!! Go figure)

[weedb0y]

I'm 24, female.
8 years experience
Small two-door car (1999). I only have the public liability, no coverage on my car.
One speeding ticket, one accident (I wasn't at fault)
ING Insurance
$895 per year.

(Last year, before the speeding ticket, it was $1538!! Go figure)

That's interesting because without anything and actually getting a G license. ING renewed with $6000 something for just 3rd party liability insurance on a 95 sunfire. I was paying $2750 something after an at-fault accident.

I am with TD Meloche Monnex now and am married as well. Insurance was $320 and dropped to $215 after marriage. 22 and a 95 sunfire 2 door. 4 years experience.

[weedb0y]

23 male toronto
90 vw gti
PL PD $2300/year

i use a broker but insured with pilot.


Can you please PM me the number for Pilot? I would like to try my luck.

[SoNgMaN]

Can you please PM me the number for Pilot? I would like to try my luck.

i believe to be insured with pilot you need a broker. mine is elliot&crawford insurance inc. i don't have there number here. i'll look for it when i get home. check your yellow pages for a broker

[dazz]

Thanks,but I only interested to know rates if you are between 19-23 and if you only have a car policy with them(no house,no life insurance,etc)

[gman]

Location, location, location. If you don't specify the location, the comparison means nothing.

[urameatball]

I'm 24, female.
8 years experience
Small two-door car (1999). I only have the public liability, no coverage on my car.
One speeding ticket, one accident (I wasn't at fault)
ING Insurance
$895 per year.

(Last year, before the speeding ticket, it was $1538!! Go figure)I don't know how the system works either.
my friend totalled 3 cars in one year and his premiums dropped 25%.
I had aclean record for 6 years and my premiums go up 20% every year. Got a couple tickets last year so it should go down now.

[ronny1980]

24 male
2004 mazda 6 V6
statefarm
3300/year
mississauga
distance from work 50km

[HammerJoe]

Guys insurance works like this:

They check your records for the last six years.

Have you had at fault accidents?
Have you have convictons?

If yes if more than three usually and you are out of luck, and you will go to facility.

Where you live matters alot. Certain zones the premius just skyrocket.
Car is also important as you may know.

Women generally pay less in premium than males.
Also people in the household with licence affect premium as well, even if they don't plan on driving a car.

Get driver training asap, insurances usually give discounts for that.
Never, ever, no way get caught DUI with a G licence... you pretty much ruin your insurance for the rest of your life.

There's so much about how insurance is calculated that it is not even funny.

Oh yes, one final note.

Insurance is heavily legislated.
The rules that they have to abide are huge.
If you think you are paying too much you can blame it somewhat on your governement.

[Talamasca]

24 male
2004 mazda 6 V6
statefarm
3300/year
mississauga
distance from work 50km

Ouch! I'm 25 and in Mississauga too and my dad and I combined are ~$1850 a year for our 99 Malibu and 02 Civic.

I've inquired on quotes just for myself for various compact cars (Mazda 3, Chevy Cobalt, etc.) and most of them are in the $1800-2000 range.

Can you lie regarding the work distance? Will the insurance company actually check this? I was told by a broker that if you work within 10km of your home, your premiums will be a lot less. So few people work that close to their homes.

[weedb0y]

Your rate is low cuz of your dad being a primary driver. When time comes and you want to get your own insuarance (move out of the house etc), you will have to start clean with 0 years of insurance experience.

I found $3300 to be pretty goof for a 03 Mazda (which i am sure has full insurance). Who are you with?



Ouch! I'm 25 and in Mississauga too and my dad and I combined are ~$1850 a year for our 99 Malibu and 02 Civic.

I've inquired on quotes just for myself for various compact cars (Mazda 3, Chevy Cobalt, etc.) and most of them are in the $1800-2000 range.

Can you lie regarding the work distance? Will the insurance company actually check this? I was told by a broker that if you work within 10km of your home, your premiums will be a lot less. So few people work that close to their homes.

[gman]

Ouch! I'm 25 and in Mississauga too and my dad and I combined are ~$1850 a year for our 99 Malibu and 02 Civic.

I've inquired on quotes just for myself for various compact cars (Mazda 3, Chevy Cobalt, etc.) and most of them are in the $1800-2000 range.

Can you lie regarding the work distance? Will the insurance company actually check this? I was told by a broker that if you work within 10km of your home, your premiums will be a lot less. So few people work that close to their homes.

First, the premium is not a lot less. It is less but not a lot less. If you lie and you have an accident, they can decline to pay. Checking the distance is a no brainer. If you live is Oshawa and works in downtown Toronto, that is obvious.

[urameatball]

There's so much about how insurance is calculated that it is not even funny.

Oh yes, one final note.

Insurance is heavily legislated.
The rules that they have to abide are huge.
If you think you are paying too much you can blame it somewhat on your governement.
TOTAL BULL!!!
If it's so heavily legislated, and premiums are calculated meticulously using complex and detailed formulas...
how come my insurance premium quotes ranged from $1250 to $7200?
Why are insurance companies reporting record profits every year?

Blame the government? The only thing I can blame them for is letting private companies control the insurance industry.

[weedb0y]

it should've never been privatized if it had to be mandatory with every vehicle.

[pargirl]

18 year old female - primary driver - 1994 Grand AM - $3000.00 annual with RBC (no broker required)- believe it or not, that was the best price I could find. The insurance cost more than the car.

[ronny1980]

Ouch! I'm 25 and in Mississauga too and my dad and I combined are ~$1850 a year for our 99 Malibu and 02 Civic.

I've inquired on quotes just for myself for various compact cars (Mazda 3, Chevy Cobalt, etc.) and most of them are in the $1800-2000 range.

Can you lie regarding the work distance? Will the insurance company actually check this? I was told by a broker that if you work within 10km of your home, your premiums will be a lot less. So few people work that close to their homes.

your also 25 man...once you hit 25 yrs old your insurance drops alot...i talked to my insurance and they said when i turn 25 i should be paying around 100 less each month....thats 1200 savings a year

[gman]

your also 25 man...once you hit 25 yrs old your insurance drops alot...i talked to my insurance and they said when i turn 25 i should be paying around 100 less each month....thats 1200 savings a year

Somehow, these insurance people always said that. When you are 18, your insurance will be cheaper ... Not. When you are 21, your insurance will be cheaper ... Not. When you are 25, your insurance will be cheaper .... Not. When you get married, your insurance will be cheaper .... Not. After 24 years, my current premium is still as much as I was 17 if not more.

You probably should be paying around 100 less each month BUT ... a big BUT ... they raise the price of all premium $100 when you are 25.

[CSK'sMom]

How true gman! Hubby and I were saying that the other night, he's paying now what he was way back when. Talamasca, yes they do check on the distance you drive to work. We're with CAA and they checked when we moved and adjusted the premium accordingly. They also quote based on, among other things, your postal code. Hubby drives less that 10 km to work. When we moved (literally 3 roads over) our insurance went up with no other changes. We were told it was based on our new postal code! :mad:

[P__S__2]

do you guys know the cheapest car insurance for a 1992 chevorlet van,

[ronny1980]

How true gman! Hubby and I were saying that the other night, he's paying now what he was way back when. Talamasca, yes they do check on the distance you drive to work. We're with CAA and they checked when we moved and adjusted the premium accordingly. They also quote based on, among other things, your postal code. Hubby drives less that 10 km to work. When we moved (literally 3 roads over) our insurance went up with no other changes. We were told it was based on our new postal code! :mad:

IIRC the distance to work for ages 24 and below is not a huge factor..

I called statefarm a few months ago because i switched jobs from markham to mississauga...( i live in sauga)...so my driving distance went from 50Km to 15km... rates didnt change much..

same for my sis..her drivin distance went from around 20 to 50...rates didnt change...

[ronny1980]

do you guys know the cheapest car insurance for a 1992 chevorlet van,

too many factors to consider...age....guy/girl.. driving record...location....

jus call up and ask..

[CSK'sMom]

ronny, they work within certain brackets. For CAA it's 10 km's and under, 10-50 km's, 50-150km's IIRC. They do not calculate the specific mileage but use the brackets. The thing that caught us as odd is that when we phoned to make the necessary changes to our policy the rep. was able to tell us "Oh, so you were driving about 2 km's to work and now you'll be driving 6km". :confused:

[ronny1980]

ronny, they work within certain brackets. For CAA it's 10 km's and under, 10-50 km's, 50-150km's IIRC. They do not calculate the specific mileage but use the brackets. The thing that caught us as odd is that when we phoned to make the necessary changes to our policy the rep. was able to tell us "Oh, so you were driving about 2 km's to work and now you'll be driving 6km". :confused:

how do you like it with CAA?

i've been wanting to switch from statefarm forawhile now...but if I leave I will loose the multiline discount since we have our house and 2 other cars with them too...

having a car is such a huge expense...damn insurance and gas kills me every month when i worked in markham

[CSK'sMom]

We actually like CAA. If you are a member you qualify for an additional 10% discount as well as discounts for the normal stuff like having your home insurance with them. For us, they are extremely competively priced. We had PC Insurance quote for us last year and they were only $6 yr cheaper so we stayed with CAA. $6/yr wasn't worth the hassle of trying to get insured with PC for us. As an added bonus, they are the absolute lowest premium insurer we found for our home when we were shopping it around. :)

[dazz]

I know some companies are cheaper than the others. Some will give you big discounts for age/experience.
What company will provide you the best price if you are over 40? Under 25?

[HammerJoe]

TOTAL BULL!!!
If it's so heavily legislated, and premiums are calculated meticulously using complex and detailed formulas...
how come my insurance premium quotes ranged from $1250 to $7200?
Why are insurance companies reporting record profits every year?

Blame the government? The only thing I can blame them for is letting private companies control the insurance industry.

This obviously shows that you know nothing about insurance.
Your insurance depends on too many factors.
It is not just YOU that matters.
Do you understand that?
You might have a clean record, but still pay more than someone with two At fault claims in the past three years.

Yes the industry is heavily legislated.
Did you know accident benefits is mandatory?
Do you know what that entails?
Do you?

Do you know when the insurance HAS to pay claims even if it is not your fault?

I'm not going to try to explain to you how insurance works.

The premiums are high I agree with that.

[ah802]

TOTAL BULL!!!
If it's so heavily legislated, and premiums are calculated meticulously using complex and detailed formulas...
how come my insurance premium quotes ranged from $1250 to $7200?
Why are insurance companies reporting record profits every year?

Blame the government? The only thing I can blame them for is letting private companies control the insurance industry.

AGREE" it should've never been privatized if it had to be mandatory with every vehicle."

Don't let the insurance companies baffle gab you into thinking rate setting is a science and all factors considered the rates should be the same... searching on the net I've cut my rate by 50% http://www.insurancehotline.com/

[urameatball]

This obviously shows that you know nothing about insurance.
Your insurance depends on too many factors.
It is not just YOU that matters.
Do you understand that?
You might have a clean record, but still pay more than someone with two At fault claims in the past three years.

Yes the industry is heavily legislated.
Did you know accident benefits is mandatory?
Do you know what that entails?
Do you?

Do you know when the insurance HAS to pay claims even if it is not your fault?

I'm not going to try to explain to you how insurance works.

The premiums are high I agree with that.well, you seem to know the variables that determine the premiums charged by an insurance company.

Maybe you should enlighten me(us) so we can all find some sure-fire ways of reducing our premiums...

I just find it 'weird' (an understatement) how you can have one quote that's 500% higher than another quote. Doesn't that seem a little rediculous? Doesn't it seem like companies are just using random number generators for their quoting system? I mean, am I not the same person, living in the same place, with the same record, driving the same car, living the same lifestyle? I don't see how I can blame that on the gov't.

[CSK'sMom]

It's actually quite easy to explain the vast differences in quotes you receive... The "out of this world" type quotes are from companies that do not want your business. You don't fit their target customer base. Each and every company has a target customer base based upon their perception that they will have fewer claims and the claims will be lower dollar value, it's all about risk. If you are quoted $7200 they don't want your business, plain and simple...

[gman]

It's actually quite easy to explain the vast differences in quotes you receive... The "out of this world" type quotes are from companies that do not want your business. You don't fit their target customer base. Each and every company has a target customer base based upon their perception that they will have fewer claims and the claims will be lower dollar value, it's all about risk. If you are quoted $7200 they don't want your business, plain and simple...

That is how we 'reject' the proposal of our customer too. :)
Something the customer wants but it gives us no value (such as no re-sale value or actually different direction). We give them a big quote so that it makes sense for us to allocate resource for the project.

[HammerJoe]

It's actually quite easy to explain the vast differences in quotes you receive... The "out of this world" type quotes are from companies that do not want your business. You don't fit their target customer base. Each and every company has a target customer base based upon their perception that they will have fewer claims and the claims will be lower dollar value, it's all about risk. If you are quoted $7200 they don't want your business, plain and simple...

Thank you for the siple explanation.
That sums up very well the different quotes one might get.
Insurance is a big rip off but I admit that there are alot of factors that determine premiums.

Of course each insurance company has a proce factor into each factor.

And again I reiterate, insurance is legislated.
That is the reason why some people get big quotes because the insurance comp does not want the person business because of the high risk.
It might not be because he is prone to have an accident, but because he lives in a high risk theft area.
Maybe the commute uses a road known for it's high number of accidents.

[jed]

Insurance does get cheaper with your age. Alot cheaper. But, as it was also said, YMMV as there are a tonne of factors that go into a quote. I'm past 25 and married but pay less than a grand/yr for Full coverage on a '01 Intrigue, with $100 Comp, and $50 Glass.

For those of you in ON and QC, I got a brochure in the mail the other day from MIC (a GM company). They advertise a group rate, etc. If you're interested, they have an online presence at MIC (http://www.mic.gmcanada.com) or you can call at 1-877-388-9898. You now know everything I do about them

I am not affiliated with them, and they only serve the 2 provinces. Otherwise I was going to give them a try as MIC is huge in the US doing insurance coverage there. If you do call, let us know your experience.

[SoNgMaN]

And again I reiterate, insurance is legislated.

it's sure legislated here in ontario. the companies are guaranteed something like 21% profit. a while ago a big wig in the insurance industry became priemer of ontario (some of the older members can help me with names), apparently this guy changed the laws here in favor of the ins companies, giving them the profit fixing etc. he did this because he was a really crappy priemer and knew he wasn't going to be re-elected so he'd have to go back into the ins business.

[oceans_end]

19 yrs, G2 Cooperators 3 speeding tickets, 1 following too closely, 1 at fault

i was paying $320 /month before the huge province wide hike last year... then i get my new quote and it went up to $452 , so i said screw it put it under someone elses name and pay $95/month....

[RVachon]

You wanna know how messed up the insurance companies are:

I've been insured under my own name since I was 18. Now I'm 34. When I started with a new company 5 years ago, they offered me a fully paid new company truck and I took it. So I sold my personal vehicle along with cancelling the insurance. 2 years ago, I got my wife a car and put it in my name along with the insurance. Because I wasn't technically insured for 3 years (because of compnay truck), the premium is almost $3000/yr. I even got a reference letter from the insurance company that my company vehicle is under saying I have been insured all this time. Still, my rating went from a 5 to a 2. I guess the 10-11 years of being insured prior to cancelling doesn't apply anymore.

Now if that isn't messed up, I don't know what is. They'll look for any loophole to **** people.

[dm300]

My girlfriend's mother is got her G2 licence in March of last year.She's getting quotes 4000-6000/year for liability only for a 10 years old Nissan Maxima. She 50 years old.
In this case I think age does not matter.I think fu"""N insurance companies just look how long you had your licence for. I have friends who are 20-25,drive $20K cars and pay peanuts.
My suggestion is if you are 14-16 then get a drivers licence fast,so that when you are ready to get your own car, your rates will be much much lower.

[oceans_end]

My girlfriend's mother is got her G2 licence in March of last year.She's getting quotes 4000-6000/year for liability only for a 10 years old Nissan Maxima. She 50 years old.
In this case I think age does not matter.I think fu"""N insurance companies just look how long you had your licence for. I have friends who are 20-25,drive $20K cars and pay peanuts.
My suggestion is if you are 14-16 then get a drivers licence fast,so that when you are ready to get your own car, your rates will be much much lower.


age does not matter that much, although theres a huge rate drop at 25, your driving experience starts when you get your G not your G2, your rating will improve as long as you are insured, and if you have your G for 5 years but dont have your own car the basically you get charged the same as a person that just started driving. Its like gas prices you gotta pay to play.

[pjferr]

Maybe I can provide some additional information. I am licenced to sell auto insurance in Ontario. My study materials for the exam consisted of 2 "phone books" so I can assure you all that auto insurance is very complicated and there are many factors which go into calculating the premium.

However in my opinion the biggest factors are:

1) Age
2) Sex (until you turn 25)
3) Territory (Toronto & Downtown Hamilton are the most expensive)
4) Minor Convictions in the last 3 years (e.g. anything you would be pulled over by a police officer for ie speeding, seatbelt, improper lane change, expired sticker)
5) At Fault Accidents & Major Convictions in the last 5 or 6 years.
6) Make/Model of vehicle

One of the biggest factors affecting premium that most people don't realize is territory. I have seen people move from downtown Hamilton to Niagara Falls with no other factors changing and they save 40 or 50 bucks a month per car. Insurance companies have a valid reason for rating for territory because statistically it is proven that there can be more accidents/claims in some areas then others.

All insurance companies are supposed to ask about "All" household drivers and list them on the policy regardless of whether they drive the car or not. There are a lot of families that hide or try to hide their high risk driver (lots of tickets, accidents or an impaired) by not mentioning him when asked or by sending another family member to get insurance for them. The problem is if there is ever a serious accident where people lose limbs or are killed and the owner of the vehicle is sued for millions, believe me thats when the insurance company investigates and if you lied (its called material misrepresentation) then they may have grounds to deny the claim. Imagine your parents or grandmother (whoevers name the insurance is in) losing their house and all their savings in this scenerio. Its not worth it.

For youthful drivers under 25 the way to get the best rate is to not have any tickets or accidents, take a driver traning course and if you a student with good grades try to find a company that offers a Good Student Discount. The Good Student Discount saves a lot of money in premium and it is statistically proven that people with the GSD are better drivers.


Feel free to reply with any questions and I'll try to answer them for you.


Hope this helps

[pilmania]

Age: 24
Sex: M
Car: 2002 Nissan Sentra SE-R

Have G2 since Feb. 2002
1 accident at fault on Feb. 2003
Full Coverage with Kingsway Insurance

Paying $600 a month :(

[gSSEhh]

I've been without a car for some time now (by choice). But here's the last insurance I paid:

85 Civic (woooh!)
3rd party + $1M Liability
To-from work/school >15km
$700/year

<25, no accidents, several speeding tickets.

Public insurance is good.

[HammerJoe]

I've been without a car for some time now (by choice). But here's the last insurance I paid:

85 Civic (woooh!)
3rd party + $1M Liability
To-from work/school >15km
$700/year

<25, no accidents, several speeding tickets.

Public insurance is good.

Are you with facilty?
Those speeding tickets ruins your insurance.

[HammerJoe]

Age: 24
Sex: M
Car: 2002 Nissan Sentra SE-R

Have G2 since Feb. 2002
1 accident at fault on Feb. 2003
Full Coverage with Kingsway Insurance

Paying $600 a month :(

That is high.
That Nissan isn't that a sports car?
One AF accident and you are under 25... Yep, high risk.
Next year it should drop considerably for you. :)

[SoNgMaN]

That is high.
That Nissan isn't that a sports car?
One AF accident and you are under 25... Yep, high risk.
Next year it should drop considerably for you. :)

that sounds about right for his stats.

i got my renewal it's less then last year :) but www.insurancehotline.com says i can get a policy for a little more then $1700...guess i have some leg work to do tomorrow.

[pilmania]

My car is considered as sports car all tho it's 4dr!!! and the insurance is about $300 ~ $1000 higher than most basic sports cars (prelude, celica, tiburon) according to insurancehotline.com. and yup i can't wait till next year!!


That is high.
That Nissan isn't that a sports car?
One AF accident and you are under 25... Yep, high risk.
Next year it should drop considerably for you. :)

[pilmania]

you don't wanna trust them. i paid $15 to get the insurance company names that quoted me good rates but when I called/visited them they were all either closed down or told me that they do not deal with high risk drivers.


that sounds about right for his stats.

i got my renewal it's less then last year :) but www.insurancehotline.com says i can get a policy for a little more then $1700...guess i have some leg work to do tomorrow.

[gSSEhh]

Are you with facilty?
Those speeding tickets ruins your insurance.

Not in BC. In fact, there's very little statisitcal "tweaking" done here. The rate structure is very simple. Everyone starts on a level playing field, and the longer you drive accident free, the lower your premiums get. Hit things, your rates go up. Nobody is "guilty until proven innocent".

The factors like vehicle you drive and your location only seem to make a significant difference to your comprehensive insurance.

"Statistically significant" factors like age, gender, car colour, speeding tickets, shoe size, and sexual orientation just aren't considered (to my knowlege, all I know about ICBC is from my own experience).

http://www.icbc.com/Insurance/insura_prmset.html

It's simple, and it works. Like I said: public insurance is good.

[mintchoco]

24 female
96 Acura Integra
The Personal
2100/year (everything else but no collision)
GTA

[SoNgMaN]

you don't wanna trust them. i paid $15 to get the insurance company names that quoted me good rates but when I called/visited them they were all either closed down or told me that they do not deal with high risk drivers.

it's free now again which isnice was free for a while then they started charging now it's free again. but yeah i've gotta call the place tomorrow see what they say as i'm not 23 and it wouldn't let me enter 22 as my age as it conflicted with their G lisencing rules. i'm not an ontario driver been here for several years but had my lisence long before

[pilmania]

Are you sure it's free? I just tried and this is the message I got:

Once you enter in your credit card information, your insurance company contact & rate information will be displayed on this screen and emailed to you instantly.The charge for this service is $8.50
This is a secure site using Thawte 128-bit Digital Certification to encrypt all Internet financial transactions. Your credit card information will NOT be used for any other reason.



Your payment of $8.50 will show up on your credit card as billed to The Consumer's Guide to Insurance.


If you experience any problems please click here to let us know.





it's free now again which isnice was free for a while then they started charging now it's free again. but yeah i've gotta call the place tomorrow see what they say as i'm not 23 and it wouldn't let me enter 22 as my age as it conflicted with their G lisencing rules. i'm not an ontario driver been here for several years but had my lisence long before

[SoNgMaN]

Are you sure it's free? I just tried and this is the message I got:

Once you enter in your credit card information, your insurance company contact & rate information will be displayed on this screen and emailed to you instantly.The charge for this service is $8.50
This is a secure site using Thawte 128-bit Digital Certification to encrypt all Internet financial transactions. Your credit card information will NOT be used for any other reason.



Your payment of $8.50 will show up on your credit card as billed to The Consumer's Guide to Insurance.


If you experience any problems please click here to let us know.

i did it on monday or tuesday and i didn't pay. just did it again and didn't get asked to pay. i'm in ontario if that matters.

[BlitzAlpha]

I just got a quote from hepcoe for $4035 for full coverage.

20 male
ford f150
had g2 since age 17
perfect driving record

Does this sound reasonable? Seems a liitle high to me. If I were to get my G class would this quote drop considerably?

[weedb0y]

even with increasing my age one year and not indicating some lady rear ending me.. gave me a quote about $80 more than what i pay from insurance hotline..

if you guys are at UFT, try melochemonnex..tell em ur alumni..

[sho]

23 Male
Honda Civic 2001 2 doors
3 years G2 + 1 year G + insurance certificate
no tickets whatsoever
no claims
$527/month
full coverage with TD Insurance.

any advice?

[motorcycleguy]

23 Male
Honda Civic 2001 2 doors
3 years G2 + 1 year G + insurance certificate
no tickets whatsoever
no claims
$527/month
full coverage with TD Insurance.

any advice?
Ya,get a bike! save 3000-4000/year on insurance and at least $1,000 on gas. Think what you can buy with exra $5,000!

[rilhouse]

on the topic of insurance, i've been told that engineers get a discount. is this true?

if so, are we talking engg degree or P.Eng for the discount? also how much?

[HammerJoe]

23 Male
Honda Civic 2001 2 doors
3 years G2 + 1 year G + insurance certificate
no tickets whatsoever
no claims
$527/month
full coverage with TD Insurance.

any advice?

Dump the civic asap. Those are the worst cars to insure.

[Rehan]

on the topic of insurance, i've been told that engineers get a discount. is this true?

if so, are we talking engg degree or P.Eng for the discount? also how much?
http://www.melochemonnex.com/ offers good rates to alumnis of certain universities and to professional associations such as P.Eng's. Try out their online Auto Quotes...

[pluto]

Dump the civic asap. Those are the worst cars to insure.

I phoned State Farm when I was car shopping and the Civic was the cheapest of the cars I asked them about insurance wise (others were Chevy Cavalier, Mazda Protege, maybe one or two others in that class I can't think of)

[Fllay]

Are ama/caa and statefarm good places to get a reasonable car insurance rate/quote?

For those who live in Calgary, can you give me any suggestions like where to get a good deal on car insurance. Thanks in advance. :)

[flowerchild]

WOW! after reading all this, im so glad i'm in BC where there is no private insurance! aaahhhh good old ICBC!

i always thought the privatising insurance companies was to promote competition and get lower rates? apparently this is not the case, i hope we never get private insurance here!

the only factors looked into here are : years of experience, territory, past accidents, and type of car. and if its for work or leisure use

me, been driving for 8 years have 35% discount (up to 40% this june), i drive a crappy 84 pontiac sunbird, but live in the city so i pay $80/month. when i lived in the valley it was only $75/month, and in the boonies way up in northern BC it was only $60/month.

territory plays a huge part in rates here. my mom lives outside the city, has 43% discounts, drives a 2004 GMC truck and only pay $150 a month!

*looks up at ontario rates* oh dear gawd, never let them privatise insurance here!