soooooooooo my insurance came in

[jaimie08mazda3]

annnnnnnnnnnd its not good... but it is less then i had thought it would be. my quote is 603 a month:bang but really i expected it to be like 800 a month truthfully with the greeeeeeeeeat luck i have had with it. good news is for 6 months its off the road and maybe sold... and in that case buying a new car haha. well not new used buy cheaper for moi... hopefulyl when i come to some meets you wont laugh at me for driving a different car :chuckle OOOH and i wonder if anyone is interested in a last meet before i leave? say like Oakville or where they have the AA meets seeing as how that was my first meet ever.

[Malcolm991]

You pay $7000 a year for insurance? Thats insane!

[MistaChin]

That's friggin gross. Sorry to hear that! If i were given that quote i'd start taking the public limo

[jonjon72]

For $7000 a year I better be driving a Ferrari or Lambo! Why is your insurance so high???? :whoa

[aris]

Ok did i miss something..how come it's so much money..and i thought my $1194 a year was way to much

[cereal83]

My guess is an accident and FYI, $7000 a year even for a Lambo is super expensive. My old boss paid $700 a year for his brand new lambo. Ignorance is bliss!

[Thrizzl3]

holy smokes! that effing expensive. jaimie..just take the bus:chuckle

[FLIPDADY]

I just got my renewal letter from Allstate.

"We are pleased to welcome you back, your payments starting August 15/09 will be $430.00 per month."

"Hope to hear from you soon!"

I was paying $250.00/month before my renewal.

[MAZDA Kitten]

Holy shit! Isnt Allstate like the most expensive company for insurance? why so high Flip??

[FLIPDADY]

Holy shit! Isnt Allstate like the most expensive company for insurance? why so high Flip??
Let's just say I got a lot of points.

I'm switching back to "The Personal", where I'll only be paying $150.00/month. After all daddy needs his car.:chuckle

[SilentJay]

>.< Shop around!

I was paying $190/month as second name on my 3, but have since switched over to a little operation (Johnsons?) and am paying $130/month as a first name with an accident.

[MAZDA Kitten]

Let's just say I got a lot of points.

I'm switching back to "The Personal", where I'll only be paying $150.00/month. After all daddy needs his car.:chuckle


ooooooooooooooh okay gotcha ;) Give BelAir a call too! I am saving over $1000 a year (before that I was with State Farm)

[cwp_sedan]

>.< Shop around!

I was paying $190/month as second name on my 3, but have since switched over to a little operation (Johnsons?) and am paying $130/month as a first name with an accident.

I'm with Johnsons and I sure as heck am not paying $130. Mine actually went up this year for no reason. I will be shopping around if they don't give me a good $ amount next renewal.

BTW, Johnsons isn't all that small... :)

[aris]

I'm with Johnsons and I sure as heck am not paying $130. Mine actually went up this year for no reason. I will be shopping around if they don't give me a good $ amount next renewal.

BTW, Johnsons isn't all that small... :)

Johsons is who i just signed up with..they were $300 cheaper then my company that i was with

[swales]

WOW! Why is it so high? Did you get tons of tickets?

[DruidB]

im with johnsons... $116 for my 2010 GT

[cwp_sedan]

im with johnsons... $116 for my 2010 GT

That's awesome, but what is your age, location and driving history?

[STeeLy]

I got my renewal documents in too, $3514/yr with Bel-air, went up by about $150

[MistaChin]

Got mine in the mail from AXA, went up by $30/month to $220/month. Insurance is ghey

[aris]

Got mine in the mail from AXA, went up by $30/month to $220/month. Insurance is ghey

AXA screwed me over real bad 2 years ago..quoted me $160 a month for my car and my truck..and when policy came in it was $260 a month..they decided my speeding ticket was not going to be considered minor but major (43 over limit) ..so i cancled..but cause i hit over i month by 5 days they billed me another $128 on top of the first and last month i paid:flaming..

[bubba1983]

i can't wait for the $100/month...im gettin close, im at $120something/month

[Flagrum_3]

i can't wait for the $100/month...im gettin close, im at $120something/month

Bubba you should be lower! I just renewed at $124 amonth but I'm in Scarborough (home of the uninsured) but was told if I lived anywhere else in the GTA, it would be $100 even.



Jaimie holy chit man $7k+ a year insurance?! Buy a scooter or something, I won't suggest the TTC cause I know it sucks ; )


_3

[bubba1983]

^^ no shit

im 26 clean record, live in kitchener...payn 126 with 3.79 service charge, totall 129.96 with economical insurance......who u with

[DruidB]

im with johnsons... $116 for my 2010 GT

Niagara Region.. couple tickets Age 30

[MistaChin]

AXA screwed me over real bad 2 years ago..quoted me $160 a month for my car and my truck..and when policy came in it was $260 a month..they decided my speeding ticket was not going to be considered minor but major (43 over limit) ..so i cancled..but cause i hit over i month by 5 days they billed me another $128 on top of the first and last month i paid:flaming..

I would consider 43 over the limit pretty major. If it was 10 or 15 over i'd understand but i dont think they screwed you over.

[aris]

I would consider 43 over the limit pretty major. If it was 10 or 15 over i'd understand but i dont think they screwed you over.

Anyhting under 49km is minor not major..

[MistaChin]

Anyhting under 49km is minor not major..

By law yes...in reality no

You still displayed your riskiness to AXA and that's why they bumped you up.

[ElegantGremlin]

I agree with MistaChin. What really is the difference between going 49 and 50/51? I know by law its a major/minor offence, you're just like a single KM of pressure from a major offence.

Damn. I've had too much to drink tonight.

[aris]

By law yes...in reality no

You still displayed your riskiness to AXA and that's why they bumped you up.

Actulay when i got the insurnacne they looked it up in axa rule book and it clearly said anything under 49 is minor...if the broker new that they were going to do that she would have put me with ING which they also consider it minor..and they never charged mea sent extra for that ticket..piont beening i got the insruance and the company decided that they were not going to count that ticket as minor and count it as major AFTER i signed all the papers!

Also it has nothing to do with law..this is rules that the insurance company makes...In their rule book it clearly says when i got the insurance that it's minor if it's under 49..

I would have saved so much money if they didn't decided to change the rule AFTER i signed.

[Gizzmo_jr]

Are there any discount programs you can look into through your insurance company? Perhaps deal with them, bringing something else under your umbrella and get a better rate.

[MistaChin]

Actulay when i got the insurnacne they looked it up in axa rule book and it clearly said anything under 49 is minor...if the broker new that they were going to do that she would have put me with ING which they also consider it minor..and they never charged mea sent extra for that ticket..piont beening i got the insruance and the company decided that they were not going to count that ticket as minor and count it as major AFTER i signed all the papers!

Also it has nothing to do with law..this is rules that the insurance company makes...In their rule book it clearly says when i got the insurance that it's minor if it's under 49..

I would have saved so much money if they didn't decided to change the rule AFTER i signed.

You left out a lot of that information in your original post.

you got SCREWEEEEEEEEEED

[towelsnap]

Are there any discount programs you can look into through your insurance company? Perhaps deal with them, bringing something else under your umbrella and get a better rate.


How much are you paying Matt? I was 225 (full coverage and life insurance) now its 153$ no accidents no tickets... and I'm over 25.... wtf why soo high

[Gizzmo_jr]

How much are you paying Matt? I was 225 (full coverage and life insurance) now its 153$ no accidents no tickets... and I'm over 25.... wtf why soo high

I pay $107, it'll be cheaper when I turn 25 in September.

[mazdabetty]

Wow Toronto insurance is ridiculous. I pay $97/month with a 0$ deductible. I'm scared to move back to TO with a car now :(

[GTS]

Hi guys

I just notice this thread. Just wanted to let you guys know that I am an insurance broker. I understand that insurance can be frustrating, complicated and costly. If I could help with any kind of clarification, feel free to send me a PM.

It can be a lot more complicated than it seems.

To the guy who's paying tons per month, it could be unforeseen things such as charges/convictions/claims that you were unaware of. Poor service on the part of the insurance company results in them not asking all the proper questions and taking down the correct info which leads to a HORRIBLY incorrect quote.

To the guy who's paying dirt cheap per month, please ensure that you are properly covered and that all information on your policy is correct. Should there be any claim of accident, the insurance company could make your life very difficult if there are discrepancies on your policy. It could lead to denial of claim or possibly even cancellation.

I've only been lurking on this board and I don't post much but don't let that be a barrier in allowing me to help you out.

Regards,
Sam

[chinsterr]

Move to BC for a bit, register car over there, and then move back to toronto but keep your bc plates/policy. Problem solved


*I wish

[WhiteSpeed3]

i just switched my ownership into my name from my moms and switched my address to my cousins house in innisfil, i was paying $6,500 a year as a secondary driver, and now as a primary driver im paying $3,500 dont ask how that works but its saving me money so i dont care

[GTS]

i just switched my ownership into my name from my moms and switched my address to my cousins house in innisfil, i was paying $6,500 a year as a secondary driver, and now as a primary driver im paying $3,500 dont ask how that works but its saving me money so i dont care

Be very careful with that. It's actually fraud and could result in cancellation of policy for non-disclosure.

[jaimie08mazda3]

well psh i asked how much it is for a honda civic 99 and they said 390 instead of 603... soo bye mazda... hopefully when i come to meets you wont make fun of me hahaha

[aris]

Be very careful with that. It's actually fraud and could result in cancellation of policy for non-disclosure.

How is that fraud when he switched the car in his name?

[aris]

well psh i asked how much it is for a honda civic 99 and they said 390 instead of 603... soo bye mazda... hopefully when i come to meets you wont make fun of me hahaha

:whoa



Jsut jk..good luck ..hope fully everything works out for you in the future:bana

[Sergiomax11]

im 17 under my dads insurance and i pay 250 a month.. it should go down when i call them 2moro to tell them i got my G

[aris]

im 17 under my dads insurance and i pay 250 a month.. it should go down when i call them 2moro to tell them i got my G

Ya don't expect it to go done that much..just cause you got your G

[STeeLy]

How is that fraud when he switched the car in his name?

Changed it to an address he's not living at?

[cwp_sedan]

Changed it to an address he's not living at?

+1. You need to be living at the residence you have your insurance at. Your licence also needs to be there as well.

[thanu31]

Ya don't expect it to go done that much..just cause you got your G

actually mine went down $30 after i got my G.

[aris]

Changed it to an address he's not living at?

My address is still registered at my parents and i haven't lived their in 4 years...


actually mine went down $30 after i got my G.

Not mine:bang

[GTS]

My address is still registered at my parents and i haven't lived their in 4 years...



Not mine:bang

The previous posts are correct - the insured is not living at the address that is stated on the policy so it's like lying to the insurance company.

Hopefully, you won't have any problems if anything happens.

I can't stress it enough - cheaper insurance does not mean good insurance. I can almost promise that you will have problems one way or another.

[aris]

The previous posts are correct - the insured is not living at the address that is stated on the policy so it's like lying to the insurance company.

Hopefully, you won't have any problems if anything happens.

I can't stress it enough - cheaper insurance does not mean good insurance. I can almost promise that you will have problems one way or another.

I'm not going to have any problems cause i tell the insruance company that's were i live..or even if i get pulled over i always tell them that i live their:)

[Dante]

Dude I'm paying less then 400 on 2 cars. My dads and my Genesis.

[mazda lover]

I'm not going to have any problems cause i tell the insruance company that's were i live..or even if i get pulled over i always tell them that i live their:)


Is the ownership of the vehicle registered with your parents address?

[GTS]

If everything checks out and all information is correct, then one shouldn't have any problems when it comes to claims and coverage.

What annoys me is the fact that people lie/cheat the insurance company trying to save themselves a couple hundred a year....then when they have to make a claim or get into an accident, they claim "they get screwed" over. I can almost promise that in most scenarios - the client tried to save themselves a few dollars only to pay more with headache and time wasted.

[aris]

Is the ownership of the vehicle registered with your parents address?

My registered address is at my parents... never changed my drivers licence

[zeon]

I'm in Winnipeg with public insurance.. 2009 Mazda3 GT sedan $150/month which includes an annual $130 new car insurance fee for two years.

$150 /month gets me $100 deductible for accidents, glass and vandalism and $2 million 3rd party liability.

We don't have cheaper rates for age however we do have merits and with merits come discounts. I currently have 2 merits which gets me 10% off, next year my 3rd merit kicks in so it will be 15%. You get up to 5 merits/25% off.

Most Manitobans are stupid and want to ditch Manitoba Public Insurance. If they only knew how much they would be screwed especially in the rates they would pay if they had an accident.

[GTS]

I'm in Winnipeg with public insurance.. 2009 Mazda3 GT sedan $150/month which includes an annual $130 new car insurance fee for two years.

$150 /month gets me $100 deductible for accidents, glass and vandalism and $2 million 3rd party liability.

We don't have cheaper rates for age however we do have merits and with merits come discounts. I currently have 2 merits which gets me 10% off, next year my 3rd merit kicks in so it will be 15%. You get up to 5 merits/25% off.

Most Manitobans are stupid and want to ditch Manitoba Public Insurance. If they only knew how much they would be screwed especially in the rates they would pay if they had an accident.

You're lucky to live in a province that has subsidized government insurance - pity us all here in Ontario :)