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Discussion Starter #1
...i know rates vary wildly in canada.

auto insurance is unbelievably cheap in quebec, and horribly expensive in bc, for example.

i'm paying about $135 per month in ontario.

does that sound about right, or should i go shopping?

-dh
 

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I'm 18, drive a 95 Chevy Cavalier, but am on my dad's plan and I pay just over $100/month

What kind of car do you drive?
 

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varies

I live in Ontario not the GTA

'04 Intrepid approx $870.00 a year

My wife drives a '02 Rendezvous approx $650.00

My 22 year old son drive '99 Grand am 4 cly $2,400.00

these are based on my companies group rate.
 

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(expletive F word omitted )Car Insurance !!!!!!!

I am not in the business, but here is some of the little I know;

drivers age, # of demerit points, # of accidents in past 5 years, postal code and daily mileage driven, # of drivers on policy and their age, age of vehicle, motor size, make & model (sports car), collision coverage, impaired history

all contribute to your insurance fees, and on top of that some companies might be a few % points cheaper than their competitors.

this is a tough one to compare, kinda like apples & oranges.

On occaision I listen to Q107 and I think it is Bellair Direct (not sure of spelling) has a running add where you go on line and they will provide their quote as well as that of 5? competitors. (might have the company wrong)

I hope this is somewhat helpful
cheers
RIFF Wrath
 

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Jeff Flowerday said:
You can't really compare insurance rates just because it fluxuates so much from vehicle to vehicle.
Yeah, there are so many factors. Age, driving record, vehicle, specific model of vehicle, where you live (and not just the city, but the area of the city you live in)..............the list goes on and on. You're best to just call around because any numbers here aren't really applicable.
 

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I live in Southern Ontario and pay $180 a month for 2 minivans(1991 and 2003) and an "under $100,000" motorhome ($600 a year).
I still think I am paying too much for driving for 27 years with no tickets,no insurance claims and no accidents:mad:

Mark
 

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Short Circuit said:
I live in Southern Ontario and pay $180 a month for 2 minivans(1991 and 2003) and an "under $100,000" motorhome ($600 a year).
I still think I am paying too much for driving for 27 years with no tickets,no insurance claims and no accidents:mad:

Mark
You've never had a ticket?
Getting pulled over is like a monthly occurance for me.:banana:
 

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$130 a month. A lot better then it used to be. That's for a 2003 Hyundai Elantra (owner and only driver).

I have had 2 accidents (b oth involving deer) and they were over 6 years ago. So I am at a 6 star rating right now as far as I know.

Never had a speeding ticket in 16 years of driving.
 

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Discussion Starter #16
torndownunit said:
$130 a month. A lot better then it used to be. That's for a 2003 Hyundai Elantra (owner and only driver).
I have had 2 accidents (b oth involving deer) and they were over 6 years ago. So I am at a 6 star rating right now as far as I know.
Never had a speeding ticket in 16 years of driving.
...very similar to my situation. i have a 2001 toyota echo, and my driving record is top notch, plus no claims. ever.

-dh
 

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Insurance Urban Myths

Here are a few things I've heard, but I have no idea if they are true or not so take them with a grain of salt.

1. Get a P.O. box in a small town, and have mail forwarded to your real address. Buy insurance in through a broker in the small town and tell them that you live there. You get small town rates while living in the big city, and risk getting charged with fraud as a bonus feature.

2. If you get a speeding ticket over pay it. You will get a credit and the municipality will send you a cheque for the amount of the overpayment. Don't cash the cheque and the case never gets closed. The cases are reported to the insurance company only when they are closed, so the infraction never shows up on your abstract.

Like I said, I've never tried either but from the amount of times I have heard both of these 'techniques' I would have to assume that any loops would have been closed by now. I'm not suggesting that anyone tries them either.
 

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$860 per year for my 01 Focus Sedan
$480 per year for My 03 Suzuki (800cc Motorcycle)
 

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Discussion Starter #20
...just checked on line with belair direct. i should be paying less than $100/month, instead of $140.

time to make that call...


-dh
 
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