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Thread: I'm sick of car insurance. What do you pay and who is your broker?

  1. #1
    Administrator footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose's Avatar
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    I'm sick of car insurance. What do you pay and who is your broker?

    I am sick of these insurance companies.

    I'm just renewing my policy (along with adding a house policy on my car) and have been getting quotes from all over.

    The house policies are pretty "cheap" (roughly 800 bux a year) which is not that much.

    On the flip side, my car insurance is $1,800 per year. I don't have a "hairy" record, and my only infraction on my current record is a fine for not updating my address on my insurance card when I moved (ridiculous, cop was a prick).

    I don't have any claims *knock on wood* for at least 8 years.

    Why is my car insurance so high? Who do you guys use?

    I don't understand how insurance for my vehicle can be almost 20% of what the vehicle is actually worth PER YEAR. (~$10k give or take).

  2. #2
    Moderator wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons has a reputation beyond repute wparsons's Avatar
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    I pay about that much total, but I have a couple small tickets(15 over ), I'm in the GTA (it basically doubled when I moved from Guelph), and mine includes condo coverage. I was paying like $80/month when I was in Guelph, so yours *should* be much lower.

    I can give you my companies info, but its a group discount policy with the CSCF (ski coaching federation, who knew a fun part time winter job had other perks ).
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    Veteran Member KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub's Avatar
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    lol the last line makes me laugh... i pay 1100 a year for car insurance... and my 90 is only worth 1000 ! lol. Im with RBC Insurance for Auto and Home. costs me about 160 a month for both
    I currently have ONE infraction on my record for doing 20kmh over... otherwise id be under 100 a month easy
    PAST- 85 VW Cabriolet- 86 Audi 5000CDQ- 93 VW Passat VR6- 85 VW GTI- 93 VW Golf ABA- 90 Audi Coupe Quattro- 92 VW GTi 16v- 92 VW Golf 1.6TD- 1980 VW Rabbit- 86 Audi 5000CDQ- 90 VW Corrado- 91 VW Passat Wagon 16v- 93 VW Passat VR6- 87 Audi 4000TQ- 86 Audi 4000SQ- 86 VW Jetta TD- 89 Audi 90Q- 91 Jetta GTX- 92 VW Golf TD
    PRESENT- 84 GLI

  4. #4
    Administrator footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose's Avatar
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    Whats your coverage like, and your deductible? how much liability? 1M, 2M ?!

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    Veteran Member jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall has a reputation beyond repute jasonsmeall's Avatar
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    i was paying $96 a month on a 2008 Jetta so $1152
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  6. #6
    Well I am with a group policy as well and for two cars full coverage 2mill liability and two other just fire theft, house is 180 a month. I also have a bike but its 1100 a yr different company. And deductible is five hundred.
    HOGO

  7. #7
    Veteran Member justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future
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    When you get married, and have kids. Your insurance should drop. Till that happens, call RBC. I'm with RBC. I switched to them last year for everything. Home, and Auto. I don't have my current stub, but I know I've saved a lot compared to my previous ins. provider.
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  8. #8
    Administrator footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose has a reputation beyond repute footose's Avatar
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    ^^ It's never ending.

    When you reach X age and have this and that, your insurance will drop. When will it end? Insurance is such a scam, HST is a scam, tons of canadian shit is a scam and no one is willing to stand up for it. We (Canadians) stand here and take the bullshit hard and no one is willing to stand together to do something about it. We all just sat here and took HST right up the asshole.

    Yah, I'm sure when I reach DEAD it will be real cheap!

  9. #9
    Moderator soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute
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    make a website





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  10. #10
    Moderator Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas's Avatar
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    I'm paying like $350 for 2 cars and one house.
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    Veteran Member KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub's Avatar
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    Yeah I only have liability. 1m. umm... something like 300 bux deductible.
    PAST- 85 VW Cabriolet- 86 Audi 5000CDQ- 93 VW Passat VR6- 85 VW GTI- 93 VW Golf ABA- 90 Audi Coupe Quattro- 92 VW GTi 16v- 92 VW Golf 1.6TD- 1980 VW Rabbit- 86 Audi 5000CDQ- 90 VW Corrado- 91 VW Passat Wagon 16v- 93 VW Passat VR6- 87 Audi 4000TQ- 86 Audi 4000SQ- 86 VW Jetta TD- 89 Audi 90Q- 91 Jetta GTX- 92 VW Golf TD
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  12. #12
    Moderator CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski's Avatar
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    I pay 220 a month but thats cause im still under 25.
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  13. #13
    Veteran Member Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen has a reputation beyond repute Jurjen's Avatar
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    I have full insurance on the S4, and just basics on my Jetta, and I'm paying $2500/year, which I find outrageous considering my clean driving record, over 30 yrs old, and a professional driver with over a 1 million safe Km's!
    "A turbo: Exhaust gasses go into the turbocharger and spin it, witchcraft happens, and you go faster." - Jeremy Clarkson

  14. #14
    Senior Member Massecar is a jewel in the rough Massecar is a jewel in the rough Massecar is a jewel in the rough Massecar is a jewel in the rough
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    I'm an insurance broker. I'd be happy to explain everything you need to know about auto insurance any why it's so much. PM me if you'd like my work #
    2001 Jetta 2.slow

  15. #15
    Veteran Member KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub is just really nice KtownDub's Avatar
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    Im not 25 yet.. but my policy just got renewed and they added the age into my discounts because it's a month away from the renewal
    PAST- 85 VW Cabriolet- 86 Audi 5000CDQ- 93 VW Passat VR6- 85 VW GTI- 93 VW Golf ABA- 90 Audi Coupe Quattro- 92 VW GTi 16v- 92 VW Golf 1.6TD- 1980 VW Rabbit- 86 Audi 5000CDQ- 90 VW Corrado- 91 VW Passat Wagon 16v- 93 VW Passat VR6- 87 Audi 4000TQ- 86 Audi 4000SQ- 86 VW Jetta TD- 89 Audi 90Q- 91 Jetta GTX- 92 VW Golf TD
    PRESENT- 84 GLI

  16. #16
    Veteran Member Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute Raz has a reputation beyond repute
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    $87/mo +tax on the Jetta, 500 deductible, I have to see what the coverage amount is.

    I'm on an "umbrella" policy with two other cars ('98 Sebring JXi and a '99 Century) and a house so that brings the cost down a bit.

  17. #17
    Moderator CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski has a brilliant future CommradePolski's Avatar
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    I have life insurance with mine also which gives me a bit of a discount.
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  18. #18
    Veteran Member justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future justboj has a brilliant future
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    Quote Originally Posted by footose View Post
    ^^ It's never ending.

    When you reach X age and have this and that, your insurance will drop. When will it end? Insurance is such a scam, HST is a scam, tons of canadian shit is a scam and no one is willing to stand up for it. We (Canadians) stand here and take the bullshit hard and no one is willing to stand together to do something about it. We all just sat here and took HST right up the asshole.

    Yah, I'm sure when I reach DEAD it will be real cheap!
    agree x1000
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  19. #19
    Senior Member Heiko is a jewel in the rough Heiko is a jewel in the rough Heiko is a jewel in the rough Heiko's Avatar
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    I pay $200 a month for my S4 full coverage. I've had no tickets or anything. Under my dads name lol and im 19 with G2 just to add :P i know what i am sayin is irrelevant but ING is what i am with.

  20. #20
    Senior Member xLilJayx is a jewel in the rough xLilJayx is a jewel in the rough xLilJayx is a jewel in the rough xLilJayx is a jewel in the rough xLilJayx's Avatar
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    im 23 with a 15/km over, improper stop at stop sign, and an at fault accident, and i pay $289.08/month for just 1mil liability.... when i turn 25, supposiddly it will be $100 [cause all tickets and the accident will be gone] and i'll be 25. im with Belairedirect - if i want full coverage, 300 deductible its 320 a month[for now]
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  21. #21
    Veteran Member Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute Zuber Speed has a reputation beyond repute
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    over 25

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    91 a month for my mk4 GTI VR6
    35 a month for house insurance

    Reasonable, imo

    There are so many variables in an insurance policy, you CANT compare with someone else.

    Depends on how much you drive
    Where you live (big factor)
    Your record
    Car you drive, etc, etc
    24v

  22. #22
    Member green337 will become famous soon enough green337 will become famous soon enough green337's Avatar
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    I pay $260 a month for the car (2008 jetta) and my house insurance with state farm with full coverage on the car with a $300 deductable.

    Just turned 25 and it only dropped $30 a month with a clean driving record

  23. #23
    Senior Member chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix's Avatar
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    Im 21, 165$ a month on my 2001 Jetta, 1 mill liablility, 500$ deductable full coverage, Clean Driving record. I am with Belairdirect, They apparently blow for making claims with, A few of my friends are with them and they waited a few weeks to get the money and got quite a bit of the run around.
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    Veteran Member dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion has much to be proud of dubonic possesion's Avatar
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    what really sucks is that insurance is different from province to province, in ontario the best quote i got for coverage on my R1 was $6700 a year for basic coverage, i am 31 and have one speeding ticket (15 over..ya he cut me a break) in newfoundland i got full coverage on the same bike for $400 a year i hate insurance companies. we have the corrado,and the wifes g5 on the same policy as the condo, and the cabriolet on seasonal coverage and we're still under $300 a month, i'll find out the company.
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  25. #25
    Senior Member thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt's Avatar
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    23, $150/month, living in toronto. I registered my mom as the primary tho, which is probably why my rate is so low. i also have 3 tickets on my record - all speeding. My rate before the tickets was $90/month

    Edit: not sure on what my deductable is.. $500 i think? ive never claimed anything

  26. #26
    Senior Member thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt has much to be proud of thekatt's Avatar
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    Sorry this is a little OT.. but do you guys notify your insurance companies about mods? As far as they know, my car is just a stock GLI... id imagine my rates would go up if i told them about big turbo, body kit, tints, exhaust, lowered, etc?

  27. #27
    Senior Member chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix is a splendid one to behold chipsofsix's Avatar
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    Quote Originally Posted by thekatt View Post
    Sorry this is a little OT.. but do you guys notify your insurance companies about mods? As far as they know, my car is just a stock GLI... id imagine my rates would go up if i told them about big turbo, body kit, tints, exhaust, lowered, etc?
    Depending on the insurance company, your insurance rates will go up or they will drop you as a client.

    Also, I dont because mine arnt worth while to notify them about, If you had money in your car and and a redic $$ sound system, rims...etc then it is worth it.
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  28. #28
    Moderator EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay has a reputation beyond repute EMSbyDay's Avatar
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    Keep in mind a large factor these days is not just the value or type of car but its safety rating. The big costs to insurance companies are not vehicle replacements costs but paying out for personal injury. For instance, when my wife was looking for a vehicle last year she looked at both the Hyundai Tusan and the Sante Fe. The Sante Fe is bigger, higher powered, and more expensive but since it is safer it was cheaper on insurance.

  29. #29
    Moderator Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas has a reputation beyond repute Ricas's Avatar
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    Quote Originally Posted by thekatt View Post
    Sorry this is a little OT.. but do you guys notify your insurance companies about mods? As far as they know, my car is just a stock GLI... id imagine my rates would go up if i told them about big turbo, body kit, tints, exhaust, lowered, etc?
    Whatever you do DO NOT tell them about the mods. They will drop you on the spot. I made the mistake to telling my insurance that my car was lowered, they told me on the spot that they could not insure me anymore. After talking to managers and having to take pictures of my car they pretty much let it slide.
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  30. #30
    Moderator soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute soundwave has a reputation beyond repute
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    you could very well have your claim denied because of your turbo/mods.
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    Quote Originally Posted by Zuber Speed View Post
    ....back when I was hardcore

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