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General Information => General => Topic started by: 8v-of-fury on March 29, 2009, 05:26:27 pm
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So yeah, I live in Ontario. I am 19. My car is an 84
I need affordable insurance for a youngster' :lol:
There is a really good place called Bel-aire direct.. internet based. However they do not insure ANYTHING over 18.. pathetic lol
All i need is Liability. I was just fishing the waters to get off my moms insurance so i can stop getting jacked for some obnoxious amount like $5200/yr. :shock:
What ya'll think?
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So yeah, I live in Ontario. I am 19. My car is an 84
I need affordable insurance for a youngster' :lol:
There is a really good place called Bel-aire direct.. internet based. However they do not insure ANYTHING over 18.. pathetic lol
All i need is Liability. I was just fishing the waters to get off my moms insurance so i can stop getting jacked for some obnoxious amount like $5200/yr. :shock:
What ya'll think?
my younger brother is in the same boat. he's trying to insure a 1985 audi 4000, and that is going to be around $300/month if he's lucky... most insurance company's won't even insure it.
btw, belair direct has been bending me over for a while now. i'm switching to CAA insurance soon. cooperators might be good too. they also quoted me less than belair, but more than the CAA insurance.
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wow you guys get hosed. I thought ICBC (insurance corp british columbia) was bad!!!
Mine's <1,400/yr with 1000 comp and 1,000,000 liability. and i only have a 10% discount.
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i pay JUSt under $200 a month, and i thought that was alot! and thats on a 84 TD rabbit also, and im 20. i am with CAA, i dont recommend it, most other places are about $20 cheaper a month
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My insurance company (wawanesa) is trying to hose me for $200 a month. I'm 23 with a clean record.
When I was 18 I was paying $230/mo with pilot insurance on my 84 rabbit.
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THE HORROR!!
I am under my mom's insurance now and we are with Co-operators.. but there sticking me because there's more than one vehicle I can be driving... BS.
Here's where they'll get me if I stay with them, they'll see that i still live at home and the same 2006 f-150 is still available for me to drive.. and they'll rape me again :( Ontario auto insurance sucks..
I guess I will dare to see what co-op offers me by myself with the car in my name and being the only driver. I don't get why people won't insure them. The car itself has nothing to do with the pay-out. Liability would be all I would get on it. its not worth the pay out if i crash it, or if somebody totals me... and liability is in case i get sued for something right? that could happen in the 95 astro i was previously driving that i paid a ton less in.
GAHH i hate this crap! lol
Tyler, what is pilot insurance? 230/mo ?!?! thats almost half what im at now :(
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try to contact your local "Old Car Association" they should have a list of insurers sympathetic to the cause.
or move to Quebec, insurance on my 97 jetta is $233/year 8)
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Tyler, what is pilot insurance? 230/mo ?!?! thats almost half what im at now :(
I got it through Demarco Lucenti insurance brokers in North Bay
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how in the.....
Did you live there or something? How does that work? Interesting....
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Wow, that's steep. I pay something like 400-450 for 6 months, I use AIG. :roll:
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USAA baby, solid and cheap. Course there might be an issue with the cross border dealio.
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you should be able to sign an agreement that you won't drive certain cars. the insurance company will really stiff you if you drive that car and get into an accident, or are caught somehow.
yea insurance company's here in Ontario pretty much have the carte blance in terms of when and how often or how hard they want to rape you. lube optional. :shock:
but then again there are some really stupid drivers here... almost as bad as in some parts of Quebec :lol:
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how in the.....
Did you live there or something? How does that work? Interesting....
Yeah I used to live there, but you can get insurance from any Ontario company that you want. I'm not sure if you can get insurance from a different province, but maybe.
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RBC insurance, when everyone else quoted me 2800, they quoted me 1300 a year, 1 tcket, 1 suspention.
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RBC insurance, when everyone else quoted me 2800, they quoted me 1300 a year, 1 ticket, 1 suspension.
Well I'm 19, No tickets, No Suspensions. The car and myself are under my mothers flawless 32 year record. I don't understand why they are gouging me so bad! I mean im in the range of 5100-5300 a year. Pathetic. I drive a 1984 76hp Volkswagen 4 door. What can they possibly think im doing!?!?!
I hate Ontario.. Not only that but my damn car is to old to qualify for a really good cheap online insurance :(
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Your young and its ontario, for them you are automaticly a street racer and they charge high rates because its supose to keep the reckless ones off the road, but most accidents i hear about is 16 year olds driving daddys Audi
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WOW that is insane, and for old cars... we have some bad Insurance Premiums for younger drivers, but thats just stupid.
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I use to live in Nova Scotia, my insurance on a 94 Hyundai Elantra, with a ticket and suspension was 1000$ i moved to the Middle of Nowehere New Brunswick...3400$ because i had a ticket...Same Main company different broker, Royal Sun and Alliance said that it shouldn't change, and the broker told me thats what it was...
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My VW is the most expensive car I have ever had to insure, and I only carry liability on everything....
I asked my agent about it and the answer made some sense I guess.. Since they are are essentially made of tinfoil, have no ABS or death, err airbags the possibilty of you or a passenger being injured is greater.. In Pennsylvania you are required to carry minimally $5000 of first party medical benefits.. And I notice that is even higher on the VW than sy the '79 Lincoln...
And bottom line they want to you go buy a brand new car and carry full coverage so they can make more money...
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up here i have my mk3 under my parents insurance, its not too bad...I had my pick up on it and it went up form 400 to 900 for the truck alone...only because it was a 4x4
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I spun off my parents insurance when I turned 21.. They had been with the same company since they started driving in the 50's.... That helped out alot right there.. Plus I'm a member of a couple groups that gives me further discounts.. I'm almost 30 now, I have 7 speeding violations (all 20mph+ over) one suspension and no accidents in the last three years.. For work I carry an extra option that I can crash other people's cars and my insurance will pick up the tab..
1981 Vw Rabbit 385 /yr
1979 Lincoln Continental 330.20 /yr
1977 Dodge Aspen 6cyl 334.80 /yr
1997 Merc Sable 314.20 /yr
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RBC insurance, when everyone else quoted me 2800, they quoted me 1300 a year, 1 ticket, 1 suspension.
Well I'm 19, No tickets, No Suspensions. The car and myself are under my mothers flawless 32 year record. I don't understand why they are gouging me so bad! I mean im in the range of 5100-5300 a year. Pathetic. I drive a 1984 76hp Volkswagen 4 door. What can they possibly think im doing!?!?!
I hate Ontario.. Not only that but my damn car is to old to qualify for a really good cheap online insurance :(
well belair reduced my insurance to $95 a month. woohoo! :lol:
i'd honestly say just wait till your 25 and then get insured. those insurance company's sure like to use statistics to increase insurance rates... and its not just young boys getting into accidents, albeit street racing can do a lot more damage than some granny backing into cadillac...
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I just switched to desjardin and am paying $145/mo for my 91 Golf.
It was $60 cheaper then elsewhere that I looked.
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I called Desjardins... 2350/y
THATS $3000 CHEAPER THEN WHERE IM WITH NOW, FOR THE EXACT SAME COVERAGE!
Man I hate how stuff like this works..... Car sunder my mom's name so i cant do anything about either until she get backs from Alabama in a month :(
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RBC insurance, when everyone else quoted me 2800, they quoted me 1300 a year, 1 ticket, 1 suspension.
Well I'm 19, No tickets, No Suspensions. The car and myself are under my mothers flawless 32 year record. I don't understand why they are gouging me so bad! I mean im in the range of 5100-5300 a year. Pathetic. I drive a 1984 76hp Volkswagen 4 door. What can they possibly think im doing!?!?!
I hate Ontario.. Not only that but my damn car is to old to qualify for a really good cheap online insurance :(
Unfortunately, the age you are is obviously the biggest reason. Either or, I'm kind of shocked at what most of you Canadians are paying for insurance.
While I havent been 18 in 26 years (God, did that time fly by!!!), I do recall Driver's Ed when I was in high school was good for a 10% discount on comprehensive and collision. And later on, defensive driving was good for the same, IIRC. Driver's Ed was like defensive driving, only good for 3 years. Tho Drivers Ed cannot be renewed unless high school student is your career objective.. :)
Obviously, things are different across the border. I was 20 and had no problem registering an 18 year old Dodge Power Wagon. But that was also 24 years ago. And while it sucks to get old, a 2009 VW, a 2002 Ford F250 4X4 (full coverage on both), and my 89 VW (basic) is just under $3,000 a year. Which will drop a few hundred when I move out of the NY City area.
Would your rates drop if you got a rural address to use, such as a relatives?
As bad as the dollar is, it seems things are expensive up north. What is gas, diesel and cigarettes going for up there?
When I drove the Trans-Canada highway from Winnepeg to Toronto in 2006, I recall paying about $4.20 Canadian for diesel. I remember crossing the bridge into Sault St Marie,Michigan to pay $2.94 American.
Was going to suggest you google 'discount insurance' or something, and maybe get a deal, but you already did. Good luck, sounds like you need it.
By the way, the drive around Lake Superior, while longer than I thought (LOL), was a beautiful drive, though that fog was REAL nasty. Can't wait to do it again, though.
Stay safe, stay well.
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cigarettes range from $8-12 a pack at any local convenience store, and for about $25 at the native indian place you can get a carton of their cheaper brand.
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Well in Bathurst NB...people cannot drive at all...insurance in this area is retarded. My gfs got her car registered and plated in her home town and its cheaper for full insurance then it is for me for PLPD
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RBC insurance, when everyone else quoted me 2800, they quoted me 1300 a year, 1 ticket, 1 suspension.
Well I'm 19, No tickets, No Suspensions. The car and myself are under my mothers flawless 32 year record. I don't understand why they are gouging me so bad! I mean im in the range of 5100-5300 a year. Pathetic. I drive a 1984 76hp Volkswagen 4 door. What can they possibly think im doing!?!?!
I hate Ontario.. Not only that but my damn car is to old to qualify for a really good cheap online insurance :(
I suggest getting quotes from some insurance brokers. A good broker will shop around for you and should price check each year at renewal time. I've always used a broker and have never found cheaper insurance by going direct.
Also 5100 is nuts for a guy with a clean record. When I was 19 I had a VW Fox and didn't pay over $2500.
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im in the same boat as jer there (8v) but i had 1 ticket (10km over) and im on my own insurance and have something like 10% discount ...ICBC (insuracne corp of British Columbia) has a monopoly on the insurance here and i paid $133/month last year and this year post ticket its 145$/month with the added 5% off and i think $1,000 added comp to cover my new head and parts. If icbc made me pay 5,100/yr i'd take em to court :P
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cigarettes range from $8-12 a pack at any local convenience store, and for about $25 at the native indian place you can get a carton of their cheaper brand.
So when I come back from Florida, I can pick up a few cartons of Marlboros and sell them up north to help pay for repairs to my 89 :) :) :).
Not as bad as I thought. I remember they were like $7 there when they were $4 south of the US border. 'Twas a long time ago....... :)
Stay safe, stay well.
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I suggest getting quotes from some insurance brokers. A good broker will shop around for you and should price check each year at renewal time. I've always used a broker and have never found cheaper insurance by going direct.
Also 5100 is nuts for a guy with a clean record. When I was 19 I had a VW Fox and didn't pay over $2500.
Funny but I found things a bit different for myself. At various times over the years I thought I was paying too much for insurance (actually I always think that, just at various times I actually did something about it). Every time I found better prices directly from insurance companies than from brokers. Also I had friends who got much better prices from say Allstate than I did with Co-Operators, but when I checked with Allstate they were much higher for me. I am not sure that there is any direct correlation between your own personal situation and what any given company will charge. My suggestion is to hit them all and get a price. Let them know you are shopping, it may help. One thing to beware of, never hide any information. I know someone who went through a broker and was told not to mention a license suspension from 3 years previously, so he didn't. He wasn't specifically asked about it, but when the insurance company found out, they cancelled his insurance for fraud, blacklisted him with all the insurance companies (they do communicate this type of information) and he ended up having to go to facility, which more than doubled his insurance for the next 5 years. Also, in most cases, getting your license and not being insured doesn't reduce insurance costs very much when you finally do get insurance because they still classify you as a new driver. Example, if you get your license at 16, don't get insurance or drive until you're 20, they don't treat you as a driver with 5 years experience because you haven't been insured so you are considered a new driver.
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I believe that when they ask how long you've been continuosly insured for you are allowed to be uninsured for 6 months between companies and it's still considered continous. Definitely ask the person you are getting the quote from though, because they can and do check this.
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I am not sure that there is any direct correlation between your own personal situation and what any given company will charge
Well under my mother with Co-operators as a primary on my car which is under her name they charge me through the nose. 5100/y
I checked with the Company Tyler suggested Desjardins... 2300/y THAT'S ALMOST 3GRAND
I hate insurance companies... They suck, not only did Desjardins offer a better coverage it was that much cheaper still..
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What Bozo's. Glad you found affordable means to run your car.