Insurance quote

[Mr.Jay]

damn you ICBC they have nothing still

[MTD]

Will the high insurance rates, high interest rates and firm MSRP pricing discourage anyone?

[CoryUyede]

^ i'm trying to save up a Significant amount of money for a Down payment on a house...I don't want to be buying a car right now. So the Fact that the car isn't free is highly discouraging...

In all seriousness...insurance won't by any higher than anything else i've ever owned..could even be cheaper...this car will be the most fuel efficient car i've had (and it's not even great by any means), the interest rates, I had a STRONG assumption they'd mimic WRX/STI rates (and they do), and the CANADIAN MSRP was way Lower than I thought, so i'm not upset they're firm on it.


Overall par for the course

[MTD]

I think some of the high insurance rates here in Ontario might screw some people over. If $1500-2000 is a good price for someone with a relatively clean record, I can only imagine how much it's going to cost an under 25 year old male with a few tickets living in the GTA.

MSRP might be more negotiable once the car has been out for a year and most companies interest rates can change.

[CoryUyede]

Originally Posted by MTD

I think some of the high insurance rates here in Ontario might screw some people over. If $1500-2000 is a good price for someone with a relatively clean record, I can only imagine how much it's going to cost an under 25 year old male with a few tickets living in the GTA.

MSRP might be more negotiable once the car has been out for a year and most companies interest rates can change.

With ICBC (government insurance). With my 40% off base rates..i'd still be HAPPY if i was paying $1500 a year. i usually pay $2100-$2600 /year

[Heero]

Originally Posted by pastuch

Ottawa Insurance Quotes:

1 at fault accident 2 years ago. No tickets, no points, garaged at night, 30 year old male. 10000km per year. 1000 deductible on comp and liability.

Desjardins: Price per year

FRS: $1547 = $129 per month
BRZ: $1442 = $120 per month


30 year old Male, no tickets, 1 fender-bender 1 year ago, $1000 Deductible
All cars are 2011s:
Genesis Coupe 2.0T $1300
Mustang V6: $1366
Volks GTI 2dr Hatch: $1398
BMW M3 Coupe: $1475
Mustang GT: $1518
Altima 3.5S: $1526
Honda Civic SI: $1528
Corvette: $1538
Subaru WRX 5 Door: $1583
Porsche 911: $2333

Originally Posted by df.dima

KW area. Married, both 26, perfect driving record. State farm, currently 2 cars (03 maximas) and a house with them. I was quoted based on the price of the car only, not in the system yet. It is $6 more than my current insurance 2 way ($122), so about $128, but was told that as they gather statistics on the car, it may change.

Sounds pretty good .

I have 1 accident , 2 years ago... 20 years old & I'm paying more then that on a 16 year old car... Zero tickets too... Geez -

[df.dima]

Originally Posted by Heero

I have 1 accident , 2 years ago... 20 years old & I'm paying more then that on a 16 year old car... Zero tickets too... Geez -

I think your age is a factor. Once you hop over 25 it will get serious reduction. Unless your insurance is assholes . Before I turned 25, I think I was paying 180 for the maxima. Before the maxima, I was paying close to 230 on altima. That's all in KW, if I was in TO, I'd be paying more. Btw, I don't think cheaper/older car necessarily means cheaper insurance.
Keep it clean and it will come. I know its a long ass time to wait, but it will come.

[7thgear]

serious reduction my ASS

the last 3-4 years have been all about rising insurance rates because the industry that operates on a social benefit underlining is greedy for 7 figure profits and is too lazy to battle frivolous claims and general fraud.

I got no reduction at 25

I got no reduction from being married

I have a clean record

my brokers simply shrug their shoulders and say that "your residence zone is priced at blah blah blah"

the only way to get cheap rates is to move to butt-fuck nowhere northern quebec and live with moose and sealions.

[df.dima]

Well, that just has been my experience and it differs from yours I guess. I have good relationship with my insurance and when I did not like what they gave me, I called and talked, they were reasonable to me.
I never switched insurances, been with them since 04. I first got insured when living with parents (going to university), then I got married, bought a place, moved out and tried to see if there are better rates. Dad's friend is an insurance broker and he could not find anything that even compares.

So I guess it varies.

[Sport-Tech]

Originally Posted by 7thgear

the only way to get cheap rates is to move to butt-fuck nowhere northern quebec and live with moose and sealions.

OK, I share your pain, GTA rates are obscene, but that was seriously funny...

[7thgear]

Originally Posted by df.dima

Well, that just has been my experience and it differs from yours I guess. I have good relationship with my insurance and when I did not like what they gave me, I called and talked, they were reasonable to me.
I never switched insurances, been with them since 04. I first got insured when living with parents (going to university), then I got married, bought a place, moved out and tried to see if there are better rates. Dad's friend is an insurance broker and he could not find anything that even compares.

So I guess it varies.

are you in the GTA?

if you're car is registred in Kitchener then you get a major break than the rest of us.

because not only do we have more crashes and thefts, but the majority of the fraud also happens within the GTA.

Finding crooked clinics, injury lawyers and body shops is probably harder in Kitchener than the GTA.

we have whole rings here, lawyers chase down small accident victims and tell them that they could profit big, then they recomend a doctor and a body shop, etc etc.

new immigrants often get caught in this as well, "hey, want to scam your insurance company for big MONEY, i know it was your fault that you T-Boned that old lady but lets milk the system for everything we've got, we'll say that the old lady flashed you so you lost control, that sprained ankle is actually a broken spine and you can no longer work at your 10 dollar an hour pizza pizza job for the next, ohh i don't know, 100 years and we'll get the insurance company to pay out, NO PROBLEM"

:/

[Blue FRS]

Just got my quote, its $1366 full coverage for the year. Im 36 live in Oakville and no points. Also have my house with the same company.

[df.dima]

Originally Posted by 7thgear

are you in the GTA?

if you're car is registred in Kitchener then you get a major break than the rest of us.

because not only do we have more crashes and thefts, but the majority of the fraud also happens within the GTA.

Finding crooked clinics, injury lawyers and body shops is probably harder in Kitchener than the GTA.

we have whole rings here, lawyers chase down small accident victims and tell them that they could profit big, then they recomend a doctor and a body shop, etc etc.

new immigrants often get caught in this as well, "hey, want to scam your insurance company for big MONEY, i know it was your fault that you T-Boned that old lady but lets milk the system for everything we've got, we'll say that the old lady flashed you so you lost control, that sprained ankle is actually a broken spine and you can no longer work at your 10 dollar an hour pizza pizza job for the next, ohh i don't know, 100 years and we'll get the insurance company to pay out, NO PROBLEM"

:/

I'm in Kitchener.

Yea, I understand GTA isn't exactly a sweet spot.

[7thgear]

RBC insurance just quoted me 254 per month for full coverage, 1mil liability and 300 deductable

O U C H

on to Desjardins, see what they say.

[Sport-Tech]

I'd estimate we pay about a 30% premium for the "pleasure" of living in the GTA.

[Sport-Tech]

Originally Posted by 7thgear

RBC insurance just quoted me 254 per month for full coverage, 1mil liability and 300 deductable

O U C H

on to Desjardins, see what they say.

Get a broker to get you a Wawanesa quote, they were the best for me. What are you currently paying on your older Golf?

[jenzan]

I just wanted to add my two cents, I'm 26, clean record and I got a quote for the BRZ at Alberta Motor Association (AMA).

2 Million Liability, 500 deductible, glass coverage, car rental in case of accident, full amount of new car if accident occurs in first three years.

$1094 a year.

I think this is the few things I enjoy about getting old...

[7thgear]

Originally Posted by Scion FR-S

Get a broker to get you a Wawanesa quote, they were the best for me. What are you currently paying on your older Golf?

I had wawanese for my Subaru and they were high, i switched to Dominion (through broker)



just called Desjardins, was quoted 2300 per year or 192 per month for same coverage. Much better and more in-line with what i expected.

[7thgear]

Originally Posted by jenzan

I think this is the few things I enjoy about getting old...

and living in a province most people have trouble finding on the map

[Sport-Tech]

A warning to people shopping on price only: companies vary in their rules regarding how many tickets/accidents you can have before your rate gets hammered. If you're a bit of a lead-foot it may be better to pay a bit more up front so when you get a ticket or 2 in that 3-year window your rates don't skyrocket. Saved my bacon a few times.

[Sport-Tech]

Originally Posted by 7thgear

and living in a province most people have trouble finding on the map

Maybe 10 or 20 years ago but not today lol.

[7thgear]

i actually have a quite a few friends that moved' there, i should go visit them