Mazda 3 insurance cost per month ????

[lilac11]

What he meant to say was, that with you having 2 at-fault accidents already, you are considered a 'high risk' client to be insured and many standard companies do not want to risk insuring you. You should try a company called Facility Association as they insure higher risk drivers.

I think peter's brain mixed up some of the words as he typed them out haha.
eric

*SIGH*
Thank you everyone!! driving for 6 years no problem .. then last year BOOM... 2 accidents happen exactly one month apart on the same road....
I'll have to contact them directly..and I'll let you all know what rates I get.

[lilac11]

What he meant to say was, that with you having 2 at-fault accidents already, you are considered a 'high risk' client to be insured and many standard companies do not want to risk insuring you. You should try a company called Facility Association as they insure higher risk drivers.

I think peter's brain mixed up some of the words as he typed them out haha.
eric

SIGH**
Thank you everyone for your response. I've been driving for 6 years, clean record..then last year BOOM ...2 accidents EXACTLY one month apart on the same road...anyway. I'm going to contact them and see what happens. I'll let you all know what rates I get.

[peterm15]

I though I was right.

When my father was " High risk" they called him high facility.

Either way. Stretch understood me. Lol


Edit.

Seems I missed a word. It is high risk facility insurance. Although his insurance just called it high facility.

[Seshan]

I'm 22/23(in a week and a half) I pay $187 a month with belair, Didn't get my G2 till I was 18 I think :/ So only been driving for 4 years. I also live in the "country" so that helps with insurance cost. Still expensive though.

[peterm15]

I'm 22/23(in a week and a half) I pay $187 a month with belair, Didn't get my G2 till I was 18 I think :/ So only been driving for 4 years. I also live in the "country" so that helps with insurance cost. Still expensive though.

Consider yourself lucky.

I'm 27, full g, live in the country with Belair, clean record, and only pay $30 less a month then you on a 2007 mz3 2.0.

[Seshan]

Consider yourself lucky.

I'm 27, full g, live in the country with Belair, clean record, and only pay $30 less a month then you on a 2007 mz3 2.0.

That's disappointing, I guess I don't have much to look forward to I do have my full G now too.


Also, Belair offers a discount if you have a car alarm/security system. But when I was getting my insurance they told my it didn't count because it wasn't after market. :/ Anyone know what that is about? I was going to call them back but never did.

[peterm15]

Only aftermarket alarms get you a discount with most companies.

Actually. I'm kind of pissed. I've been driving for 10 years. And still pay that much.

[citrus]

Paying $90 / month, clean license, 25 yo.

[Kiyomi]

I'm 22/23(in a week and a half) I pay $187 a month with belair, Didn't get my G2 till I was 18 I think :/ So only been driving for 4 years. I also live in the "country" so that helps with insurance cost. Still expensive though.

how the hell are you paying only 187 with belair? are you the principle driver?

[Seshan]

how the hell are you paying only 187 with belair? are you the principle driver?

Yeah, I'm the principle driver, I think part of it is where I live and part of how much driving I do, Not alot. I have it down as 8000 km a year, which will be more then enough this year, Next year I will have to bump it up.

[Kiyomi]

Yeah, I'm the principle driver, I think part of it is where I live and part of how much driving I do, Not alot. I have it down as 8000 km a year, which will be more then enough this year, Next year I will have to bump it up.

i live in markham, principle driver and have it down around 10k a year. more than 400$ a month... plus i have a g license lolz... wtf.

[parro]

i live in markham, principle driver and have it down around 10k a year. more than 400$ a month... plus i have a g license lolz... wtf.

I pay pretty much the exact same as you do with the same characteristics. I thought I was one of the only ones paying $400+ a month!

Seshan must really live further North of Toronto if he's only paying $187... I only had my insurance effective for 3 weeks now, I think I'm going to give BelAir a call.

[r4mi5awi]

26, G license, clean record, 10 yrs driving history, mississauga = $138/month

[soccerboy1491]

going up at renewal from $322 to $370

[Maz3Dan]

I'm 28, i was listed as a secondary driver on my sister's insurance for one year.
I have one ticket that expires in two months and one suspension for not having paid that ticket right away.
My insurance is $257. I'm really hoping it'll go down next year once that ticket has been excised from my file!

What do you guys think?

[Sparcas]

I'm 28, married, listed as a primary driver.

Had 1-2 tickets, I think my abstract is clean now. I pay about $140/month with Desjardins. (Living near Streetsville, Mississauga)

The suspension thing is pretty dumb (because it's not a suspension do to poor driving) - I don't think they should be able to ding you for that............

If the insurance doesn't go down, I would call the insurer to make sure they have your updated information. Otherwise, go on kanetix.ca and shop around.

Where you live, and the amount of coverage also has an impact on your rates.

[Maz3Dan]

I'm getting my insurance officially tomorrow so i can pick up the car on Tuesday... and it sucks cause if i had waited two more months that ticket would have been gone from my abstract.

It's funny i was calling around getting quotes and every place gave me a quote except one: ScotiaBank Financial.
My suspension was too much for them. I laughed and told the rep: "TD, your main competitor, is willing to to take me for 267." PFFFT...no wonder i don't bank with them!

[peterm15]

Suspension for unpaid fines does not affect insurance. You don't even have to disclose.

When I was shopping for new insurance 2 years ago I has 2 suspensions for unpaid. I disclosed to all quoters and they all said the same thing.

Even on belairs site. It asks about suspensions, and says don't include suspensions for unpaid fines.

How long have you had your license? Is that 1 year of insurance all you have had in the past?

[Maz3Dan]

Yes the one year insurance is all i've had. I've had my G since 2009, my G1 test was in 2004. I drove without being insured as a secondary driver for a looooooong time.

What's up with ScotiaBank then? Crazy broad must have been drinking! lol

[peterm15]

Yes the one year insurance is all i've had. I've had my G since 2009, my G1 test was in 2004. I drove without being insured as a secondary driver for a looooooong time.

What's up with ScotiaBank then? Crazy broad must have been drinking! lol

She Must have misunderstood you.

But seeing as you have never had your own insurance, and only 1 year as a secondary. it seems to me they are looking at you as being a new driver. 260's a bit high. But should drop a little with the tic being wiped. You may have to call them for an adjustment. Other then that, you will probably see a bigger increase with 1 year of insurance and a clean record.

[Maz3Dan]

Thanks Pete.
I'll do that, around the summer, letting a few months go by. I'm partially considering picking up some cheap car alarm or winter tires to help bring down the cost. The Rep said if i put on some winters the price would go from 257 to 245, adding an aftermarket alarm should help as well.

[peterm15]

Thanks Pete.
I'll do that, around the summer, letting a few months go by. I'm partially considering picking up some cheap car alarm or winter tires to help bring down the cost. The Rep said if i put on some winters the price would go from 257 to 245, adding an aftermarket alarm should help as well.

Well seeing as your in TO the alarm is a good idea.

As well you can grab a used set of winters for your stock rims for dirt cheap. Just keep in mind. The decrease in insurance doesn't pay for the winters or alarm. It's only 144 bucks. IMO not really worth it. If you had plans anyways for it. Then yes make sure you tell them.

[Maz3Dan]

Speaking of insurance.....

I just realized the Toyota dealership who sold me my car added disability insurance when i told them I DID NOT want it. They were sneaky and i was stupid. What happened was, the day i went it and made the deal we set up most of the paperwork. I signed the sales receipt which clearly showed there WAS NOT any insurance purchased. The problem was the paperwork did not reflect the downpayment i left. The sales manager said we would fix it when i picked up the car. So last Tuesday i go to pick up the car before work. I informed them i had work at 4 and they said they would get me going as quick as possible but they had been delayed with some issues. They get me into the office a couple hours later (4:15) and quickly reprint the documents and have me resign everything, assuring me it's all the same paperwork. I quickly glance into the downpayment section to confirm it's good and sign. It isn't until today that i find an extra 1000 insurance policy on my bill of receipt burried all the way at the bottom. Plus and insurance form they had stuck in the middle of the loan paperwork which i had signed because it was all supposed to be the same paperwork!!! I'm unimpressed. Luckily the insurance company will give me a full refund, and i'll just add that to the load, bringing it back to what it should be. Unfortunatly my payments will be much higher a month than they should be.

What do you guys think?

[geobur]

Speaking of insurance.....

I just realized the Toyota dealership who sold me my car added disability insurance when i told them I DID NOT want it. They were sneaky and i was stupid. What happened was, the day i went it and made the deal we set up most of the paperwork. I signed the sales receipt which clearly showed there WAS NOT any insurance purchased. The problem was the paperwork did not reflect the downpayment i left. The sales manager said we would fix it when i picked up the car. So last Tuesday i go to pick up the car before work. I informed them i had work at 4 and they said they would get me going as quick as possible but they had been delayed with some issues. They get me into the office a couple hours later (4:15) and quickly reprint the documents and have me resign everything, assuring me it's all the same paperwork. I quickly glance into the downpayment section to confirm it's good and sign. It isn't until today that i find an extra 1000 insurance policy on my bill of receipt burried all the way at the bottom. Plus and insurance form they had stuck in the middle of the loan paperwork which i had signed because it was all supposed to be the same paperwork!!! I'm unimpressed. Luckily the insurance company will give me a full refund, and i'll just add that to the load, bringing it back to what it should be. Unfortunatly my payments will be much higher a month than they should be.

What do you guys think?

I hate sneaky dealerships like this. I had a similar experience with buying my car...still overall had a good experience but my monthly payments were much higher because of warranties and fees that they "snuck" in

[Darkice]

going up at renewal from $322 to $370

damn that sucks! i just got another sweet discount insurance is better on my 2012 speed then my 07 lol