Insurance quote - Page 7 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

7thgear · 05-16-2012, 03:37 PM

Quote:

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 · 05-16-2012, 03:48 PM

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 · 05-16-2012, 03:49 PM

Quote:

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 · 05-16-2012, 04:02 PM

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

Ad8707 · 05-18-2012, 02:35 PM

23 male gta no tickets/accidents 1 claim (stolen vehicle) they told me I won't be penalized for that but probably bs who knows. Wawanesa bardeau broker and my quote was 3000 (270/month) full coverage 1000 deductible 1 mil liability etc. Man I wish was older but surprisingly enough that has cheapest insurance for me ever. Paid 295/month for rsx type s last year so I guess I should be happy? Lol

Ad8707 · 05-18-2012, 02:36 PM

Has been the cheapest***

7thgear · 05-18-2012, 02:39 PM

call Desjardins, see what they say.

Heero · 05-18-2012, 05:40 PM

I'm paying 5000$ for my current car... 3rd party.

I'm guessing another 4k for the FRS... JEEZ. I'm seriously reconsidering my purchase now.

df.dima · 06-03-2012, 10:40 PM

Since we are talking about insurance here, what are you doing regarding mods vs letting insurance know? I've searched the net and it seems pretty tight. Some people keep it quiet, others say its a dumbass idea and you should tell. With so many cars on rims and lowered, it cant be that 90% of people keep it hush hush and pray for the best, its insane.

Turns out I deal with one of the most strict insurances mod wise (Statefarm), and when I started asking my agent questions, he tried the best he can, explained that they insure cars as they are from the factory and anything that i change has to go through an underwriter (so he did not say if it will get rejected or passed). Asked about TRD parts, he did not say anything specific. Then I said when I repair cars they arent "as factory" anymore. What I was trying to get out of him is what is exactly a part that violates their policy vs maintenance replacement. I mean I could probably go to a shop and they make an exhaust for me. It may change performance, but how would they judge if its replacement or performance for racing on the streets? Do I need to call them every time I put a part on my car? Its ridiculous. I just couldn't get anything out of him and he said he can't provide any more info and I should forward the details to him for an adjuster to look at. Which is fine I guess, its worth a try see what they say.

Mods and insurance? Where to? Maybe I should switch? But I heard most companies are like that.
Thoughts?

synchromesh · 06-03-2012, 11:54 PM

ICBC today had a quote for the BRZ but not for the FR-S today.

Was quoted under 1700/year. Pleasure use only, 2 million liability, full comprehensive, -43% discount.

rndmsh · 06-05-2012, 10:18 AM

I got quoted for about $2300 with TD yesterday.

BioRage · 06-05-2012, 10:48 AM

Quote:

Originally Posted by df.dima

Mods and insurance? Where to? Maybe I should switch? But I heard most companies are like that.
Thoughts?

The hell would you tell insurance that you have mods for?

Your insured for your car when you purchase it at a dealer, what you get is what you get, nothing more / less. It's like modding a leased car, lol. Don't tell them.

The only problem is if you get into a major accident with your car all lowered, and such, than there will be an issue.

Get quotes from everyone.

BioRage · 06-05-2012, 10:48 AM

Quote:

Originally Posted by rndmsh

I got quoted for about $2300 with TD yesterday.

You guys need to be more detailed..

Like, AGE, LOCATION, POINTS, RECORDS, ETC?

Toronto is a huge increase, as opposed to Courtice.

fenton · 06-05-2012, 10:49 AM

I got 2300 from RBC in Calgary, 2 speeding tickets and im 24.

Got a qoute from touchstone insurance and they offered me 1850 however because i had my license in Saskatchewan first for 3 years i would have to do a bunch of paperwork to switch.

Next March i will shop for a better rate its just to much hassle to cancel and have to make the double first payment again.

05-16-2012, 04:02 PM	#88
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	i actually have a quite a few friends that moved' there, i should go visit them __________________ don't you think if I was wrong, I'd know it?

05-18-2012, 02:39 PM	#91
7thgear i'm sorry, what? Join Date: Jan 2012 Drives: Canada Location: I rock a beat harder than you can beat it with rocks Posts: 4,399 Thanks: 357 Thanked 2,506 Times in 1,268 Posts Mentioned: 40 Post(s) Tagged: 3 Thread(s)	call Desjardins, see what they say. __________________ don't you think if I was wrong, I'd know it?

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05-16-2012, 03:48 PM	#86
Sport-Tech Senior Member Join Date: Oct 2010 Drives: TBD Location: Toronto Posts: 2,583 Thanks: 665 Thanked 685 Times in 386 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	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.

05-18-2012, 02:35 PM	#89
Ad8707 Senior Member Join Date: Apr 2012 Drives: 2013 frs whiteout Location: Gta Posts: 140 Thanks: 25 Thanked 14 Times in 12 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	23 male gta no tickets/accidents 1 claim (stolen vehicle) they told me I won't be penalized for that but probably bs who knows. Wawanesa bardeau broker and my quote was 3000 (270/month) full coverage 1000 deductible 1 mil liability etc. Man I wish was older but surprisingly enough that has cheapest insurance for me ever. Paid 295/month for rsx type s last year so I guess I should be happy? Lol

05-18-2012, 02:36 PM	#90
Ad8707 Senior Member Join Date: Apr 2012 Drives: 2013 frs whiteout Location: Gta Posts: 140 Thanks: 25 Thanked 14 Times in 12 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Has been the cheapest***

05-18-2012, 05:40 PM	#92
Heero Senior Member Join Date: Feb 2012 Drives: 2-door Location: Canada Posts: 258 Thanks: 74 Thanked 25 Times in 16 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	I'm paying 5000$ for my current car... 3rd party. I'm guessing another 4k for the FRS... JEEZ. I'm seriously reconsidering my purchase now.

06-03-2012, 10:40 PM	#93
df.dima Senior Member Join Date: May 2012 Drives: FR-S and Mazda 3 Sky Location: Kitchener, ON Posts: 341 Thanks: 10 Thanked 132 Times in 93 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Since we are talking about insurance here, what are you doing regarding mods vs letting insurance know? I've searched the net and it seems pretty tight. Some people keep it quiet, others say its a dumbass idea and you should tell. With so many cars on rims and lowered, it cant be that 90% of people keep it hush hush and pray for the best, its insane. Turns out I deal with one of the most strict insurances mod wise (Statefarm), and when I started asking my agent questions, he tried the best he can, explained that they insure cars as they are from the factory and anything that i change has to go through an underwriter (so he did not say if it will get rejected or passed). Asked about TRD parts, he did not say anything specific. Then I said when I repair cars they arent "as factory" anymore. What I was trying to get out of him is what is exactly a part that violates their policy vs maintenance replacement. I mean I could probably go to a shop and they make an exhaust for me. It may change performance, but how would they judge if its replacement or performance for racing on the streets? Do I need to call them every time I put a part on my car? Its ridiculous. I just couldn't get anything out of him and he said he can't provide any more info and I should forward the details to him for an adjuster to look at. Which is fine I guess, its worth a try see what they say. Mods and insurance? Where to? Maybe I should switch? But I heard most companies are like that. Thoughts?

06-03-2012, 11:54 PM	#94
synchromesh Senior Member Join Date: Jun 2012 Drives: Ultramarine Blue Location: Canada Posts: 258 Thanks: 23 Thanked 58 Times in 47 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	ICBC today had a quote for the BRZ but not for the FR-S today. Was quoted under 1700/year. Pleasure use only, 2 million liability, full comprehensive, -43% discount.

06-05-2012, 10:18 AM	#95
rndmsh Junior Member Join Date: Jun 2012 Drives: FRS (Hopefully) Location: Mississauga Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I got quoted for about $2300 with TD yesterday.

06-05-2012, 10:49 AM	#98
fenton Senior Member Join Date: May 2012 Drives: 2013 FR-S Location: Calgary Posts: 2,086 Thanks: 526 Thanked 1,614 Times in 726 Posts Mentioned: 120 Post(s) Tagged: 0 Thread(s)	I got 2300 from RBC in Calgary, 2 speeding tickets and im 24. Got a qoute from touchstone insurance and they offered me 1850 however because i had my license in Saskatchewan first for 3 years i would have to do a bunch of paperwork to switch. Next March i will shop for a better rate its just to much hassle to cancel and have to make the double first payment again.

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