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#15
by
BlackTieTD
on 23 Feb, 2007 10:04
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insurance companies are businesses. a typical business goal is profit, high profit if they can get away with it. taking risky drivers is a risk they don't want, unless compensated in a manner that will still allow them to be profitable. only advice i have is get as many quotes as you can and drive like your granny until you can afford to take some more risks with your driving record. or
:lol:
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#16
by
MacGyver
on 23 Feb, 2007 10:49
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...drive like your granny...
Mine went through the back wall of her garage two years ago :!:
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#17
by
BlackTieTD
on 23 Feb, 2007 10:55
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DON'T CLAIM IT! :lol:
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#18
by
SMOKEYDUB
on 24 Feb, 2007 08:57
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I think they want to get rid of me because im high risk but my family just put through a monster claim for the garage fire and they paid out so i think they have seen enough of me or something. Im never late on my payments or anything... The main thing is im 20 :shock:
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#19
by
jtanguay
on 24 Feb, 2007 09:47
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well they see 20 year old males as high risk right off the bat. because there's more young males on the road than females, the numbers aren't fair. true less women get into accidents than men, but there are also less women on the road than men!!! the law of probability would state that since there are more men on the road, more men will get into accidents.
i've heard of more women doing stupid things than men... with men its always high speed and possibly alcohol or drugs... with women its always doing something idiotic.
plus the fact that there are increasing numbers of people on the road today without insurance... not cool! it basically means that even if its not your fault, your insurance company will dock you for it as a claim... i still don't like the fact that in a parking lot its 50/50 fault...
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#20
by
Slave2School
on 24 Feb, 2007 10:33
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Yeah I was getting the shaft big time up till my last birthday (when you hit 21 they assume that the life preservation mechanism kicks in or something) then they lowered the rates by ~30%
I found I always got a better deal by going into the place I wanted coverage from, look like a mature person (maybe you can bring an infant with you and say it is your sister who you are babysitting for?), then tell them a bit about your life
Seriously, it seems to help them find ways to give you a a discount etc...
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#21
by
burn_your_money
on 24 Feb, 2007 14:49
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Yeah I was getting the shaft big time up till my last birthday (when you hit 21 they assume that the life preservation mechanism kicks in or something) then they lowered the rates by ~30%
NICE. I'm turning 21 in 3 days
Now there's a birthday present.
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#22
by
Slave2School
on 24 Feb, 2007 14:57
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Sweet be sure to let them know that, for me they ended up giving me a fat rebate check at the end of the year instead of just adjusting it...don't ask me why since I'd think it would be easier to readjust.
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#23
by
SMOKEYDUB
on 24 Feb, 2007 18:14
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it doesnt help that i haver been so busy that i havnt got my G yet... I have to wait till monday now to get a hold of anyone for insurance its like they work partime no matter what. LAZY BASTARDS!
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#24
by
Turbinepowered
on 24 Feb, 2007 19:24
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Man. Reading this thread makes me feel much, much better about paying my $120/month car insurance as a "medium-high" risk driver. No tickets in the past three years, in a five door station wagon (Quantum Syncro), and 22. When I'm 24 I drop into a more realistic category, "Moderate-low" risk given my driving record. Would be just "low" but I have a CDL, and they always stick you a little harder when you're qualified to drive big vehicles (Anything up to and over 26k pounds, as long as it's not truck-and-trailer
).
Liability and collision, state mandated minimums. Uninsured motorist coverage, too.
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#25
by
burn_your_money
on 24 Feb, 2007 19:28
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so the more driving experience and knowledge of what other drivers require as far as space around them etc, they charge you more?
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#26
by
Dr. Diesel
on 24 Feb, 2007 23:04
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I think in ontario, 25 yrs is the magic number.
Hey, why don't you tell them that you're running almost 30 pounds of boost, and enjoy doing really big burnouts. Then maybe, when looking back, $800/month will seem cheap! :lol:
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#27
by
bvolks73
on 25 Feb, 2007 05:37
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It doesn't make a whole lot of sense to me either. I can't complain about what I'm paying ($136 per month for basic coverage on 2 Jettas) but I'm hardly paying any less than my brother-in-law is for full coverage on his 2002 Caravan and I have a clean driving record. I had been paying between $150 and $200 per month for my 85 Coupe only before I switched over to Cooperators. Apparently in the other company's books there was no such thing as a 1985 2 door Diesel Jetta and they considered it a "modified" vehicle but it never dropped when I switched over to my old Rabbit for the winters. I don't buy it but what can you do?
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#28
by
Eugene
on 25 Feb, 2007 08:57
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why don't you tell them that you're running almost 30 pounds of boost, and enjoy doing really big burnouts.
We have video proof! :lol:
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#29
by
SMOKEYDUB
on 25 Feb, 2007 09:13
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I KNEW that damn video would surface and bite me right in the arse.....