ICBC Insurance estimate - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Freshhprince · 12-14-2014, 06:44 PM

Hey guys about to make a purchase on a 2015 FRS this January. Already got my deposit down, just waiting for its arrival. aNyways, I was just wondering what I should expect my insurance rates to be like. Cause I've been asking around and I'm getting a lot of mixed answers(understandable because of different factors) but if my insurance rates are going to be nearing 5k/yr i would actually reconsider making this purchase

some little facts, I'm a male 19 yrs of age, had my first license(L) in 2011(3 years about), have had no accidents and should be expecting to go with a 2M liability, 1k collision deductible, 500 comprehensive deductible, and have lived in a pretty safe neighbourhood for about 10+ years now.

All advice is appreciated, thanks.

Amaya · 12-14-2014, 07:07 PM

I'm only a few years older and I'm paying close to $3600/yr for just my FR-S but I've got multiple vehicles so that's probably a lower price than if it was my only one.

Cliu91 · 12-14-2014, 07:27 PM

2160/year with 300 for deductible... 23 yr male

Bergen23 · 12-14-2014, 07:37 PM

Mine is about 2200. That comes with 300 deductibles, and a clause that says if I total my car, I get reimbursed for the original purchase price with no depreciation.

I'm 23, male, 2 speeding tickets for 20 over and one not at fault accident on my record.

Amaya · 12-14-2014, 07:57 PM

Well shit, sounds like I should see about switching insurers.
Edit: I just noticed yall are in Canada which probably has something to do with the difference :P

Bergen23 · 12-14-2014, 08:34 PM

Also, I can't remember if BC has provincial or private insurance, but I'd recommend going with BelAir Direct if that's an option.

hmong337 · 12-14-2014, 08:50 PM

So you're going to buy a car that you don't even know what your insurance rates will be? ...LMAO!!!

If anything, you should be calling your insurance company first to get a quote on said car before you do any sort of car buying haha.

inexperienced and 19 years-old, male, sports car, and in Vancouver... yea, you're looking at $5k a year. Sounds about right.

Cliu91 · 12-14-2014, 09:27 PM

Quote:

Originally Posted by Bergen23

Mine is about 2200. That comes with 300 deductibles, and a clause that says if I total my car, I get reimbursed for the original purchase price with no depreciation.

I'm 23, male, 2 speeding tickets for 20 over and one not at fault accident on my record.

Wtf how are you paying the same as me and I've got nothing on my record?

atomedge · 12-14-2014, 10:02 PM

When I left BC last month I had 5 Mil in liability, $500 deductible comp + coll for $1600 a year. I'm 24 with a clean record and have had insurance with ICBC for 7 years. The best thing to do is just call a broker and they can give you a quick quote.

pushrod · 12-14-2014, 10:32 PM

Quote:

Originally Posted by Cliu91

Wtf how are you paying the same as me and I've got nothing on my record?

Not worth comparing to BC aka ICBC. Totally different rates / system.

Bergen23 · 12-15-2014, 09:19 AM

Quote:

Originally Posted by pushrod

Not worth comparing to BC aka ICBC. Totally different rates / system.

Except that I'm from Ontario.

Bergen23 · 12-15-2014, 09:22 AM

Quote:

Originally Posted by Cliu91

Wtf how are you paying the same as me and I've got nothing on my record?

Well, one of the speeding tickets was at a set of lights with the camera, which doesn't really count toward insurance. The other I got a couple weeks ago so I'm not sure if it's on my record or not yet. I'd assume my insurance company saw it because I just updated my policy this week.

klassick · 12-15-2014, 11:09 AM

Quote:

Originally Posted by Cliu91

Wtf how are you paying the same as me and I've got nothing on my record?

How are you guys paying less than me ? And I have nothing on my record as well and I'm the same age. I need to switch insurance providers.

bottle · 12-15-2014, 02:01 PM

2500/yr, $300 collision/ comprehensive, 2mil liability, roadstar and what not. 21 yrs old.

12-14-2014, 06:44 PM	#1
Freshhprince Member Join Date: Aug 2014 Drives: BMW 323i Location: Vancouver Posts: 14 Thanks: 0 Thanked 4 Times in 2 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	ICBC Insurance estimate Hey guys about to make a purchase on a 2015 FRS this January. Already got my deposit down, just waiting for its arrival. aNyways, I was just wondering what I should expect my insurance rates to be like. Cause I've been asking around and I'm getting a lot of mixed answers(understandable because of different factors) but if my insurance rates are going to be nearing 5k/yr i would actually reconsider making this purchase some little facts, I'm a male 19 yrs of age, had my first license(L) in 2011(3 years about), have had no accidents and should be expecting to go with a 2M liability, 1k collision deductible, 500 comprehensive deductible, and have lived in a pretty safe neighbourhood for about 10+ years now. All advice is appreciated, thanks.

12-14-2014, 08:50 PM	#7
hmong337 Emperor JDM Join Date: Jun 2013 Drives: '91 MR2 Gen3 3SGTE, '13 FRS Location: Onterrible, Canada Posts: 1,750 Thanks: 3,498 Thanked 909 Times in 495 Posts Mentioned: 20 Post(s) Tagged: 3 Thread(s)	So you're going to buy a car that you don't even know what your insurance rates will be? ...LMAO!!! If anything, you should be calling your insurance company first to get a quote on said car before you do any sort of car buying haha. inexperienced and 19 years-old, male, sports car, and in Vancouver... yea, you're looking at $5k a year. Sounds about right. __________________

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12-14-2014, 07:37 PM	#4
Bergen23 Banned Join Date: Dec 2014 Drives: '15 Halo FR-S Location: Ontario, Canada Posts: 1,317 Thanks: 922 Thanked 950 Times in 492 Posts Mentioned: 22 Post(s) Tagged: 0 Thread(s)	Mine is about 2200. That comes with 300 deductibles, and a clause that says if I total my car, I get reimbursed for the original purchase price with no depreciation. I'm 23, male, 2 speeding tickets for 20 over and one not at fault accident on my record.

12-14-2014, 08:34 PM	#6
Bergen23 Banned Join Date: Dec 2014 Drives: '15 Halo FR-S Location: Ontario, Canada Posts: 1,317 Thanks: 922 Thanked 950 Times in 492 Posts Mentioned: 22 Post(s) Tagged: 0 Thread(s)	Also, I can't remember if BC has provincial or private insurance, but I'd recommend going with BelAir Direct if that's an option.

12-14-2014, 10:02 PM	#9
atomedge Member Join Date: Jul 2014 Drives: 2014 Subaru BRZ Sport-Tech Location: Calgary Posts: 24 Thanks: 0 Thanked 1 Time in 1 Post Mentioned: 0 Post(s) Tagged: 0 Thread(s)	When I left BC last month I had 5 Mil in liability, $500 deductible comp + coll for $1600 a year. I'm 24 with a clean record and have had insurance with ICBC for 7 years. The best thing to do is just call a broker and they can give you a quick quote.

12-15-2014, 02:01 PM	#14
bottle Member Join Date: Jun 2014 Drives: BRZ Location: Toronto, ON Posts: 83 Thanks: 12 Thanked 18 Times in 14 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	2500/yr, $300 collision/ comprehensive, 2mil liability, roadstar and what not. 21 yrs old.

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