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.