my broker told me that since i have a clean record i can change insurance companies
right now im with york fire and im going to change to wawanesa
if you are 24 they will give u all the discounts as if you are 25
or something like that
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my broker told me that since i have a clean record i can change insurance companies
right now im with york fire and im going to change to wawanesa
if you are 24 they will give u all the discounts as if you are 25
or something like that
Hey all, this thread rocks!
Before I got my Mazda3 in late December 2005, I was with TD General Insurance. Asked for a quote for the Mazda3 and they said about $2,100 for the year. Thanks to the suggestions in this thread, I shopped around. The only company that beat TD\'s price was PC Financial. Then I started reading about alumni discounts. So I checked up Centennial College\'s alumni page and found that Johnson Inc. Insurance offered a special alumni rate for car insurance. Called them up and they quoted me about $1,500 for the year :D
28 years old
North York
Have been driving since 1994
no tickets or accidents
2004 Mazda3 Sport GS
$130/month
yup i went with johnson as well. they were even cheaper than my employee discount (work at a bank)
came up to around 1450/yr
I\'ve been with State Farm the past 5 years or so. I just got my renewal form in January, and was hit with a \"Change of vehicle rating group\" increase, which came to an extra $28 per month, bringing my monthly cost to an insane $252!!
Apparently, all Mazda 3 owners will have their rates increase with State Farm (not sure of other companies) on next renewal due to revised ratings of the car given by Mazda Canada.
So anyways, i shopped around by policy and TD Meloch Monnex offered me over $100/month cheaper since im a Waterloo alumni!
So, 28 year old male, 3 not-at-fault accidents in the past 5 years and no speeding tickets is $144.
Boo State Farm. Yay Meloche!!
2004 Mazda 3 Sport GT
26 years old
1 ticket 5 years ago
1 50:50 fault collision (should be 0:100, but thanks to lying SOB...:()
monthly insurance ($250 deductible) combined with house insurance = $114 / month
I am quite pleased.
Chris
2006 Mazda 3 sport GT
21 years old
no tickets (touch wood)
I\'m with cooperators
been driving since I was 16
primary driver $2100/year
car : 2004 MZ3 GS
age : 30yr old
sex : male
convictions: no tickets
Insurer : State Farm
covrage : Full Coverage
driver : Primary
discount : 6star + home
paying : $208 (postal- M1N - scarborough)
Waiting for the drop since i moved to sauga.
Anyone renewing their insurance for March 2006?
I just got my renewal noticed today. And did I get a shock, Holy Cow! I went from $167/mth to $217/mth! :(
There\'s absolutely no change in my driving status, full 6-stars. The representative just told me that the Mazda3 rating just went up, since it was a new car and that they\'re receiving data and are adjusting rates accordingly. Sounds rational, apparently the accident claims, collisions and comprehensives all when up in rating.
Anyone experienced sticker shock yet? Looks like I\'m going to have to look for another insurance company.
*update*
car : 2004 MZ3 GS
age : 30yr old
sex : male
convictions: no tickets
Insurer : State Farm
covrage : Full Coverage
driver : Primary
discount : 6star + home + life
paying : $138.60 (postal- L5L - mississauga)
$208 (postal- M1N - scarborough)
lol... read my post, 2nd from the bottom on page 4 of this thread. Are you with State Farm by any chance? They tried to increase mine as well for no other reason then the car rating increased.Quote:
Originally posted by iconicrocket
Anyone renewing their insurance for March 2006?
I just got my renewal noticed today. And did I get a shock, Holy Cow! I went from $167/mth to $217/mth! :(
There\'s absolutely no change in my driving status, full 6-stars. The representative just told me that the Mazda3 rating just went up, since it was a new car and that they\'re receiving data and are adjusting rates accordingly. Sounds rational, apparently the accident claims, collisions and comprehensives all when up in rating.
Anyone experienced sticker shock yet? Looks like I\'m going to have to look for another insurance company.
Definitely shop around. I suggest Meloch Monnex if you\'re a university grad!!
I agree, I\'m with MM and wow are they cheaper then The Personal. Also, I can understand them changing the classification of the 3, but it\'s not so new that the data is just now coming to them.....the car has been out for like three years now :sarcQuote:
Originally posted by rob_444
Definitely shop around. I suggest Meloch Monnex if you\'re a university grad!!
Insurance Company: The Personal (group rate from work)
Car model: 2005 Mazda 3 GT + GFX, 5MT
Age: 25
Driving: Since I was 16
Rate: $1900 per year ($158 per month)
Hey is the rate suppose to be cheaper every year since the car depreciates in value?
Crap, I\'m with Meloche Monnex right now! And with the Alumni discount.Quote:
Originally posted by rob_444
lol... read my post, 2nd from the bottom on page 4 of this thread. Are you with State Farm by any chance? They tried to increase mine as well for no other reason then the car rating increased.Quote:
Originally posted by iconicrocket
Anyone renewing their insurance for March 2006?
I just got my renewal noticed today. And did I get a shock, Holy Cow! I went from $167/mth to $217/mth! :(
There\'s absolutely no change in my driving status, full 6-stars. The representative just told me that the Mazda3 rating just went up, since it was a new car and that they\'re receiving data and are adjusting rates accordingly. Sounds rational, apparently the accident claims, collisions and comprehensives all when up in rating.
Anyone experienced sticker shock yet? Looks like I\'m going to have to look for another insurance company.
Definitely shop around. I suggest Meloch Monnex if you\'re a university grad!!
Just another excuse to raise rates, too bad it had to be me. I called them up and was told to expect a call from the manager this morning. Still waiting. :sarc
Well, I tried getting an online quote from PC Insurance and surprise! They\'re cheaper at $152/mth! WTF, I\'m getting a better rate than Meloche Monnex ever gave me! Better check this again.
@#%* !!!
hey if you want I can put together a quote for you
just PM me the following
names of all drivers
address & contact number
g1/g2/g license dates
any accidents/tickets
year make model of vehicle
company you work for
how long you have been with your current insurer
I don\'t promise miracles but at least you\'ll know if what you\'re paying is a good rate or not. If anyone else is interested please feel free to send me a PM as well.
Kyfe
Thanks for the offer, but I just went with PC Insurance.
Quote:
Originally posted by iconicrocket
Thanks for the offer, but I just went with PC Insurance.
that\'s cool,
Just Got My Renewal.
$992.-.-.--. $82.66 a month :D
your all sluts
im still at 311/month
Thats what you get for calling us sluts. :DQuote:
Originally posted by bubba1983
your all sluts
im still at 311/month
Didn\'t you know newfies living in redneck country gets a rating of Negative 9-Stars. :D LOL
j/k.
I got lucky and switched to another insurer before I got the shaft at renewal. Might be wise to shop around.
DOUBLE SNAPQuote:
Originally posted by iconicrocket
Thats what you get for calling us sluts. :DQuote:
Originally posted by bubba1983
your all sluts
im still at 311/month
Didn\'t you know newfies living in redneck country gets a rating of Negative 9-Stars. :D LOL
j/k.
I got lucky and switched to another insurer before I got the shaft at renewal. Might be wise to shop around.
haha, ok ok...im the resident in house newfie now too...along withthe resident in house drunk...
Car : 2004 MZ3 SPORT GT
Age : 26yr old
Sex : Male
convictions: no tickets
Insurer : RBC (Royal Bank)
Covrage : Full Coverage
Driver : Primary
Discount : 6star
Paying : $1215.00 / Year
On my current policy I am paying $270/month and it expires in September of this year. Is it possible to switch policies before it expires? If yes, will I have to pay a fee to do this? I am seeing much lower rates on insurancehotline.com ($153.00/month) and kanetix.ca ($186.00/month).
Thanks in advance!
since the insurance companies work together not to steal each others business. A new company won\'t accept your application until the final month or two of your old policy.
So if ya ask... A New insurance company won\'t take you on until the end of July or sometime in August
That\'s not entirely true, when I was with the Personal I was about four months away from renewal when I checked out what rate I would get with MM and of course they were better. I called up the Personal to see if I could get out early and they had no problem with it, but that I would have to pay a penalty. When I weighed it all out, the penalty negated any savings over that four months (well, almost) so I just stuck it out.Quote:
Originally posted by SABIO
since the insurance companies work together not to steal each others business. A new company won\'t accept your application until the final month or two of your old policy.
So if ya ask... A New insurance company won\'t take you on until the end of July or sometime in August
This is not correct, the main reason people wait till their renewal to switch is due to cancellation fee charge for terminating the policy mid term. everyone but state farm charges some sort of penalty which acts as a deterrent to switch, although I do get alot of clients that save so much with me that they are fine paying the cancellation fee. For the record I will steal any business away from any company, I got bills to pay:DQuote:
Originally posted by SABIO
since the insurance companies work together not to steal each others business. A new company won\'t accept your application until the final month or two of your old policy.
So if ya ask... A New insurance company won\'t take you on until the end of July or sometime in August
The insurance industry is like any other for profit business