|
|
|||||||
currently with johnsons and i'm paying just under 200 for an 06 mazda 3. 28 years old, 1 claim (not at fault), no tickets. my insurance has gone up 3 years in a row. i think it's time for a change. so far i've only checked pc insurance but with them it's about 225 a month. |
||||||||
|
|
|||||||
06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. |
||||||||
|
|
|||||||
kanetix.ca insurancehotline.ca ? I fucking hate applying for a quote. You know why? Cuz I can't fucking remember when I got my G1, when I got my G2 ... Fuck, who fucking remembers that shit? |
||||||||
|
|
|||||||
Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. did an online quote with smartcoverage... quoted me 163 a month. wooo gonna give them a call at lunch |
||||||||
|
|
|||||||
Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. This, because this guy copied me |
||||||||
|
|
|||||||
So did my Fiance. We even got the multi line discount for living together, something others wouldn't give us. |
||||||||
|
|
|||||||
Can't wait till my renewal is up in Sept. Right now I'm paying farking $3800/yr for the two cars. Got a quote couple weeks ago with a different ins. co. and it's going to be $2700. Man fuck this noise! |
||||||||
|
|
|||||||
Renewal time on July 31. I get a 20% discount from since I work for an insurance co. I used to get 40% off. I was paying $80 a month for a 2002 EP3 Markham Over 30 yrs old No tix No accidents |
||||||||
|
|
|||||||
$96/month for the M3 $112/month for the civic With TD MM, I get a York U alumni discount and another 15% off for being a CMA. |
||||||||
|
|
|||||||
WTF ... I'm looking at $1750-$1850 for the POS '01 EL. > 30 yrs old no tix downtown. Tried a Markham and North York postal code to see how it differs, not by much. |
||||||||
|
|
|||||||
er, don't we have this thread like every 3 months? checked that smartcoverage.ca site....eih rate was same as what i get with either TD MM (w/ discount for working at Honda) and at RBC Ins. (with discount for having mortgage there). now if that smartcoverage rate goes down if the apply my discount on top of their rate....that'd be worth swtiching. |
||||||||
|
|
|||||||
my rates keep going up year after year with TDMM...fuck them |
||||||||
|
|
|||||||
I am pretty sure my rates will be going up come september since I got dinged with two tickets in the past year that I couldn't fight in court. Doesn't matter, m3 is coming off insurance anyway. |
||||||||
|
|
|||||||
Originally Posted By: Risky Business m3 is coming off insurance anyway. WTF? |
||||||||
|
|
|||||||
Just call every insurance company you can. Make a list of all the crap you want so that they are even and dial away. Take your lowest rate and go back to your current company, see if they will match it. |
||||||||
|
|
|||||||
My wife and I have been with Johnson/Unifund for about 5 years and they have been great with us. Ive had an accident and 2 minor tickets and they really havent jacked up our rates. We get multiple discounts for been grads from a certain college, another for my wife's profession, multi-car, accident and ticket forgiveness. Paying just under $300 for the 07 Si, 10 Genesis and our house insurance. We are also both over 30 and we live out in the boonies of Hamilton. |
||||||||
|
|
|||||||
23 05 TL No collision coverage $150 with Bel Air Direct |
||||||||
|
|
|||||||
No collison...damn. That shit is going to be $$$$$ if you have an at fault loss. (or 50/50 for that matter) |
||||||||
|
|
|||||||
Originally Posted By: 87ZCSi Originally Posted By: Risky Business m3 is coming off insurance anyway. WTF? |
||||||||
|
|
|||||||
Someone please edumecate me. My policy renewal comes in to effect in feb.'11 and the monthly payments are withdrawn automatically from my bank account. If I find a better rate by then do I notify my current company that I want to cancel before that date or will the new company take care of all the BS switch-over stuff? |
||||||||
|
|
|||||||
^ check your policy (i.e. read the fine print) -- some require a month's notice before cancellation. just have the new policy start when you want it to start and time it with when you want the old one terminated. |
||||||||
|
|
|||||||
We just recently posted this info on our website regarding the upcoming auto insurance reform... http://www.rbcinsurance.com/autoreform/ |
||||||||
|
|
|||||||
Originally Posted By: civic13 Someone please edumecate me. My policy renewal comes in to effect in feb.'11 and the monthly payments are withdrawn automatically from my bank account. If I find a better rate by then do I notify my current company that I want to cancel before that date or will the new company take care of all the BS switch-over stuff? Just cancel on the expiry date.....anytime you cancel your whole policy before the expiry date, you would be hit with a short rate cancellation where there is a penalty built in. |
||||||||
|
|
|||||||
Reality check. I just checked my insurance premium for my car. With my discount for the new company, its $1697 for my EP! Time to shop for my car insurance like the rest of you guys! |
||||||||
|
|
|||||||
^ that's pretty steep - do you have it on pleasure driving only w/ < 10,000 km / yr.? i'd hate to see what it would cost if it was a daily beater. |
||||||||
|
|
|||||||
My bro's 98 shitvic was 1350. My car's annual kms is listed under 8000kms per year. |
||||||||
|
|
|||||||
Originally Posted By: Starskie currently with johnsons and i'm paying just under 200 for an 06 mazda 3. 28 years old, 1 claim (not at fault), no tickets. my insurance has gone up 3 years in a row. i think it's time for a change. so far i've only checked pc insurance but with them it's about 225 a month. weird. i'm with johnsons too. for both integras full coverage, no accidents or tickets and i was paying $224/month, then i turned 25 last year and it went to $178/month. hasen't gone back up since. then again i'm just insuring two $3000 (if that) integras. |
||||||||
|
|
|||||||
Originally Posted By: Chocolate Canuck Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. This, because this guy copied me if you're 30 i'm 17 |
||||||||
|
|
|||||||
Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. I'm almost double that, similar car, age but fak I gotta move out of the city. I just got my renewal with Belair Direct, 08 328i, from 1980 to 2680 That smartcoverage link looks like it can save me a ton, they are quoting 2050. |
||||||||
|
|
|||||||
Originally Posted By: Balhar Originally Posted By: Chocolate Canuck Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. This, because this guy copied me if you're 30 i'm 17 You can't be a cab driver at 17 :p |
||||||||
|
|
|||||||
Originally Posted By: Chocolate Canuck Originally Posted By: Balhar Originally Posted By: Chocolate Canuck Originally Posted By: 87ZCSi 06 330i 30 yrs old Live in suburbs clean record smartcoverage.ca -> 110 / month or close to it. This, because this guy copied me if you're 30 i'm 17 You can't be a cab driver at 17 :p i use my uncle's license |
||||||||
|
|
|||||||
just got a letter from TD MM based on the new Ont. gov. deal whereby starting Sept 1st you can adjust options within your own insurance policy, thus HOPEFULLY making it cheaper (without dropping major important tings). |
||||||||
|
|
|||||||
Johnson Insurance. Car + Truck + house = $200 a month |
||||||||
|
|
|||||||
1997 CIvic (liability only) + house = $135/mo. I still have an accident on my record from 2006 New whip = $500 annual. |
||||||||
|
|
|||||||
^^ That's what you pay when you drive a "classic" |
||||||||
|
|
|||||||
Once again, Toronto is subsidizing the rest of the province/suburbs /centre of the universe |
||||||||
|
|
|||||||
DUMA!!!!!! LOFL!!! What the hell!? Here is the quote on kanetix for the EP3!!! 30, clean driving record, no accidents! I am not going to bother listing the companies because there is no point. lol Company Features Premium · Ways to pay: Credit card, ABW, cheque · Paying monthly? Deposit required. · A- pd A.M. Best rating · Discounts: Multi-line50 · Disappearing Deductible may be available $1973 per year · Ways to pay: Credit card, ABW, cheque · Paying monthly? Deposit required. · A+ A.M. Best rating · Discounts: Alarm/anti-theft, Experienced driver, Multi-line60 · Earn Aeroplan® Miles $2234 per year · Ways to pay: Credit card, ABW · Paying monthly? No fees or interest. · B+ pd A.M. Best rating · Discounts: Claims-free, Conviction free, Winter Tires $2253 per year · Ways to pay: ABW, cheque · Paying monthly? Deposit required. · B++ pd A.M. Best rating $2450 per year · Ways to pay: Credit card, ABW with deposit · Paying monthly? Deposit required. · A- pd A.M. Best rating · Discounts: Multi-line $2502 per year · Ways to pay: Credit card, ABW, cheque · Paying monthly? Deposit required. · A+ A.M. Best rating · Discounts: Multi-line, Alarm/anti-theft $2552 per year · Ways to pay: ABW, cheque · Paying monthly? Deposit required. · N/A A.M. Best rating · Discounts: Experienced driver40 $2900 per year · Ways to pay: ABW, cheque · Paying monthly? Deposit required. · B++pd A.M. Best rating $4038 per year |
||||||||
|
|
|||||||
LOL dude that's what I'm fucking talking about with this fucking EPOS!!! |
||||||||
|
|
|||||||
With Belair, I am at $1600 ish so I can still kinda laugh.....I miss my 40% discount! |
||||||||
|
|
|||||||
31, clean rec'd, richmond hill, TDMM w/ corp. discount (similar to having multi line discount) - $130/month for the 08 STI...i'm more than pleased lol. even the s2k was running me 160-170/month. the sti is considered a "station wagon"...ha. |
||||||||
|
|
|||||||
Originally Posted By: Screamin Civic the sti is considered a "station wagon"...ha. NICE!@!!!!!!11!! |
||||||||
|
|
|||||||
Originally Posted By: Screamin Civic 31, clean rec'd, richmond hill, TDMM w/ corp. discount (similar to having multi line discount) - $130/month for the 08 STI...i'm more than pleased lol. even the s2k was running me 160-170/month. the sti is considered a "station wagon"...ha. wat the diu??!! if i took over the POSubaru 2.5i SEDAN - i'd be looking at $2200 / year -- that's why it's still under my mom's name. |
||||||||
|
|
|||||||
Originally Posted By: hyper-s2k Originally Posted By: Screamin Civic 31, clean rec'd, richmond hill, TDMM w/ corp. discount (similar to having multi line discount) - $130/month for the 08 STI...i'm more than pleased lol. even the s2k was running me 160-170/month. the sti is considered a "station wagon"...ha. wat the diu??!! if i took over the POSubaru 2.5i SEDAN - i'd be looking at $2200 / year -- that's why it's still under my mom's name. must be that asian last name lulz |
||||||||
|
|
|||||||
^ eat your car! (by that i mean eat shit! cuz POS = Subaru ) |
||||||||
|
|
|||||||
Just got my renewal papers $2787 / yr. (or $232.25 / month) for the two cars (s2k, x3) :D, went DOWN from last year which was close to $2900 w00t for x3 -- cheaper to insure than the rav. |
||||||||
|
|
|||||||
$88/mth for the Civic... I love Milton! |
||||||||
|
|
|||||||
^ good diu! what were you paying before when you were in markham? |
||||||||
|
|
|||||||
oook...after looking at: TDMM Axa Statefarm Johnsons kanetix called a broker the best pricing is still about $1650 for the Epos! so much for thinking about getting a "fun" car. |
||||||||
|
|
|||||||
Insurance is insane these days. I hate it. |
||||||||
|
|
|||||||
Originally Posted By: Alpha-Trion $88/mth for the Civic... I love Milton! Not too many cow vs. car accidents up there? j/k My buddy lives in Milton, its a nice family place. |
||||||||
|
|
|||||||
Just got my renewal papers. 188/month for the civic and m3 together with TDMM. |
||||||||
|
|
|||||||
back to ferrabi? pussy bitchness got banned again? :p |
||||||||
|
|
|||||||
He is just a tricky guy!!! |
||||||||
|
|
|||||||
Bumping this thread as I'm up for renewal in Feb Anyone have experience with or are with: - The Personal - Johnson & Johnson - Smart Coverage I'm paying far too much for my '10 Mazda6 GT with TD Canada Trust....$230/mnth. |
||||||||
|
|
|||||||
I have a friend who was with TD, and they wanted to jack the rate by 30%... she switched to Johnson & Johnson and got a rate lower than the original rate she was getting with TD. |
||||||||
|
|
|||||||
i used The Personal before, not bad, easy to deal with for 1800 call in's and had very cheap rates even without applied discounts. for sure try them out. as for coverage when shit hits the fan, cant comment since i nvr had a claim, nor did anyone i know. |
||||||||
|
|
|||||||
You can't go with the person since it's for groups only, at least that's how it was. Johnson & Johnson is also super tight, you need clean record I think to be considered. |
||||||||
|
|
|||||||
For The Personal my company is "affiliated" with them and Johnson & Johnson I'm a Seneca Alumni |
||||||||
|
|
|||||||
Originally Posted By: civic13 Bumping this thread as I'm up for renewal in Feb Anyone have experience with or are with: - The Personal - Johnson & Johnson - Smart Coverage I'm paying far too much for my '10 Mazda6 GT with TD Canada Trust....$230/mnth. I switched to Smart Coverage last year b/c they were the cheapest. No issues so far. Winter tire discount and can pay by Credit Card monthly. Sister is with Johnson (assuming you didn't mean J&J?) for like 10 years. Amazing rate (but not for me) and service. No issues and in her case they smoke everyone's rate every year. |
||||||||
|
|
|||||||
can we start a group? "CSi:ON" and get some group rates? LOL |
||||||||
|
|
|||||||
Originally Posted By: phoenixrage can we start a group? "CSi:ON" and get some group rates? LOL That's interesting. But it'll look kinda foolish when 90% of Club Si folks try to insure cars which aren't even Civic Si. You'll have to find another definition for CSi I guess. |
||||||||
|
|
|||||||
renewed in Dec. stayed with TDMM. Annual premium is ~$1900, works out to $15x/month with the updated coverage based on the change in insurance regulations. 29 yr old. Male. M5V postal code(downtown, not pickering). 1 speeding ticket. 1 at fault in 06. 2006 Audi A4 |
||||||||
|
|
|||||||
Originally Posted By: J.A.C.N. Originally Posted By: phoenixrage can we start a group? "CSi:ON" and get some group rates? LOL That's interesting. But it'll look kinda foolish when 90% of Club Si folks try to insure cars which aren't even Civic Si. You'll have to find another definition for CSi I guess. + if they find all the Fast and Furious threads we would all get dropped |
||||||||
|
|
|||||||
Originally Posted By: c_snapper renewed in Dec. stayed with TDMM. Annual premium is ~$1900, works out to $15x/month with the updated coverage based on the change in insurance regulations. 29 yr old. Male. M5V postal code(downtown, not pickering). 1 speeding ticket. 1 at fault in 06. 2006 Audi A4 I was originally with TDMM, it was a fluke that I got in, but had to cancel after they found out I had a modded civic (fukrs). That's when I made the switch to TDCT. There's no doubt that TDMM has great rates and service. |
||||||||
|
|
|||||||
I'm with Johnson and I pay too much |
||||||||
|
|
|||||||
Pay about $2100 a year with State Farm. 29 Male I don't think I have any tickets on my record at this time. Not married. Mississauga. |
||||||||
|
|
|||||||
State Farm wanted the farm to insure with them. I'm still $1204/year, single, Ajax, multi line discount, 31. |
||||||||
|
|
|||||||
smart coverage here, 164 for the 07 STI |
||||||||
|
|
|||||||
Damn you guys are paying way less than me (married). With my renewal it's $261/mnth or ~$3100/yr full coverage Fuk that noise! |
||||||||
|
|
|||||||
Where do you live though? I'm paying $130/mth for the G and $180/mth for the civic. With TDMM |
||||||||
|
|
|||||||
180 for the civic? damnnnnnnnnnnnn |
||||||||
|
|
|||||||
Originally Posted By: Hatorade Where do you live though? I'm paying $130/mth for the G and $180/mth for the civic. With TDMM Scarlem (mom's place). I should tell them north york (y/s) instead and see what the diff is. |
||||||||
|
|
|||||||
Originally Posted By: Euphoric 180 for the civic? damnnnnnnnnnnnn Dawgggggggggg....shits a race car and cock magnet!!!! |
||||||||
|
|
|||||||
145/month with The Personal on my tsx. Renewal is up soon and it went down a whopping $3 per month. lol 31, Married, 2 dependents, Clean record, No speeding tickets or claims. Live and work in mississauga. |
||||||||
|
|
|||||||
So I called Johnson and The Personal and basically they quoted the same (~$174-175/mnth). The only difference is: - Johnson: 2mil liability; Personal: 1mil - Johnson: Vehicle depreciation coverage is part of the policy and covers what the vehicle price is 2yrs prior to accident; Personal: only 2yr coverage and covers the vehicle price when purchased. All other deductibles are the same @ 1G. Would it be safe to say that Johnson has the better deal? |
||||||||
|
|
|||||||
Originally Posted By: civic13 Originally Posted By: Hatorade Where do you live though? I'm paying $130/mth for the G and $180/mth for the civic. With TDMM Scarlem (mom's place). I should tell them north york (y/s) instead and see what the diff is. I have an address in north york, south of yonge/sheppard and it's significantly chepaer than my scarb address. If my cars were registered in scarb I'd be paying about 35% more. Just a FYI. |
||||||||
|
|
|||||||
My "address" is RH, which unfortunately is still quite high. When I lived in NY (bayview/shep) it was at least another 20% cheaper. If my cars were in scarbs it would be instantly $4600/yr to insure both cars....FUCK YOU INSURANCE!!!! |
||||||||
|
|
|||||||
Damn, I'll mention that I'm moving and see if that does anything to the rates. Thanks. |
||||||||
|
|
|||||||
LOL I do not condone to such behavior :P Let it be known that this is insurance fraud... Just make sure you have all your bases covered in case of any accident as to why you are where you are relative to where you "live". |
||||||||
|
|
|||||||
Actually it is the truth. I reside at two residences. It's just that I am at one more than the other but use my scarlem address for everything. |
||||||||
|
|
|||||||
You will save a lot with the NY addy. Keep us updated. |
||||||||
|
|
|||||||
Notice the one guy who claims the cheapest insurance in the GTA has not offered to tell you which company he is with |
||||||||
|
|
|||||||
does anyone know someone who drives an older car (80s) as their daily driver? I am finding that no wants really want to insure them, and i would like to get an 80s benz diesel as a daily driver |
||||||||
|
|
|||||||
Originally Posted By: Chocolate Canuck Notice the one guy who claims the cheapest insurance in the GTA has not offered to tell you which company he is with Is it me? If so, I'm already in this thread stating smartcoverage. MOTORS INSRURANCE CORP WINDSOR ON Debit $1,203.00 (yes, it is spelt like that on my statement) |
||||||||
|
|
|||||||
Originally Posted By: zc911 does anyone know someone who drives an older car (80s) as their daily driver? I am finding that no wants really want to insure them, and i would like to get an 80s benz diesel as a daily driver My Friends 85 Prelude is dirt cheap to insure. |
||||||||
|
|
|||||||
who is he insured with? |
||||||||
|
|
|||||||
Originally Posted By: 87ZCSi Originally Posted By: Chocolate Canuck Notice the one guy who claims the cheapest insurance in the GTA has not offered to tell you which company he is with Is it me? If so, I'm already in this thread stating smartcoverage. MOTORS INSRURANCE CORP WINDSOR ON Debit $1,203.00 (yes, it is spelt like that on my statement) X5 is cheaper, its like $907 :p |
||||||||
|
|
|||||||
DWB pays off? 85 Prelude - 80/month through a broker (representing many companies, donno who the underwriter is) |
||||||||
|
|
|||||||
can you get me the brokers number? |
||||||||
|
|
|||||||
lulz that would be a sweet daily(the merc diesel) 145 for me in the kraut box. |
||||||||
|
|
|||||||
Originally Posted By: zc911 can you get me the brokers number? PM'd |
||||||||
|
|
|||||||
Ok, how does switching to another company work? My current insurance expires on Feb.18 and I'm not sure if the payment they withdrew from my account recently was for Jan. or Feb. If I switch now would the new company take care of all the "paper" work? Would I get a a partial refund from the "old" company since I did not use it for the full month? |
||||||||
|
|
|||||||
Originally Posted By: civic13 Ok, how does switching to another company work? My current insurance expires on Feb.18 and I'm not sure if the payment they withdrew from my account recently was for Jan. or Feb. If I switch now would the new company take care of all the "paper" work? Would I get a a partial refund from the "old" company since I did not use it for the full month? No - you have to terminate the old company yourself -- start by calling up your current company and let them know by phone (most likely they will ask you to fax them a note (it would be wiser if you ask for confirmation on return)). Depends on the company they may need advance notice (or even some sort of "penalty" payment -- e.g. pay an extra month but not have the coverage?). So if you're going to jump just ensure the new company doesn't start covering you until the day after your old one expires. |
||||||||
|
|
|||||||
If your car is not owned by you (leased or financed) make sure to let the owner of the car know who's now insuring their asset. In my case BMW had to send a letter saying they understand I'm changing companies before my old insurance company would cancel the policy. |
||||||||
|
|
|||||||
Originally Posted By: Hatorade You will save a lot with the NY addy. Keep us updated. Update. Cancelled with TD and went with Johnson Inc. Told them that I have two places of residence but currently live at the NY location. Dropped from $2111 to $1795. About $300 dif. Now I have to change my ownership addy to reflect the insurance addy. All in all I think it was a good switch as TD was raping me @ $261/mnth which is about $3132/yr. Fuk that noise. |
||||||||
|
|
|||||||
For a good lol, you GTA guys should give your insurance company my postal code L0R1C0 or some bumfuck town like Dunnville. Wife and I have been with Johnson for about 10 years now and no issues. Even with a few minor tickets and an at fault our rates have basically stayed the same. 2 new cars and the house and we are $300 month. |
||||||||
|
|
|||||||
yup, my dad has a ny license now and ins. there too for his ny-plated 08 rdx, $600-800 for the YEAR lol (or something like that) |
||||||||
|
|
|||||||
Just got my renewal letter.. rate went up 8%. Currently paying $201/month, new rate is $217/month. so I just did a quote at one my friend suggested, and if it stays close to the quote, I end up saving 20% ($162/month). And have a lower deductable. if I up the deductable, it only saves me $8/month, and I lose out on some other benifits. |
||||||||
|
|
|||||||
well, now ONT has the accident coverages we can pick/choose from, right? i hear that if you go with the msot basic of choices...and you're in a collision and need recovery help, you're pretty much fucked for $. thus most ppl (they know) will go with med-full coverage and the ins. co. will get their money, bastids. waiting for my renewal in may...if it goes up lots i'll be pissed. |
||||||||
|
|
|||||||
Originally Posted By: Screamin4BieberPie well, now ONT has the accident coverages we can pick/choose from, right? i hear that if you go with the msot basic of choices...and you're in a collision and need recovery help, you're pretty much fucked for $. thus most ppl (they know) will go with med-full coverage and the ins. co. will get their money, bastids. waiting for my renewal in may...if it goes up lots i'll be pissed. yea, new rules don't help rates, it means you get less for what you currently pay for. which is what most ppl are seeing. Insurance companies are using it to raise rates to make up for the "fraud". so with talking to some ppl in the industry, and hearing ppl talk about it on the radio and news. You need to find an insurance company that doesn't have too many customers in your area, esp if you are in a high fraud area (i.e. brampton/markham). So that way they will give you a lower rate cause they want to spread their business around a bit. There is a point where they'll have a huge chunk of an area, and thats when they have to jack the rates, cause they'll have higher risk exposure to ppl who are looking to defraud the system. |
||||||||
|
|
|||||||
just got my tdmm renewals in the mail today. gotta love how we get less for more or the same amt of money we're already paying, wtf. so if you want up to the same amt of money for certain coverage, you have to add the option and pay more for what we were getting before. so much for paying a bit less for getting less coverage like that would happen. 31 (soon to be 32), L4S postal, clean rec'd, single status, 08 STI 5dr hatch (i think it's considered wagon, thus maybe cheaper? lol). discount for working where i do. $1575/yr or 131/mnth...but there is $68 for the year that i think is from my beater...maybe needs to be removed. so could be 1507/yr. when married next year it should drop nicely. |
||||||||
|
|
|||||||
Can I say I live in your basement for the lower rate? LOL FML. |
||||||||
|
|
|||||||
ok, so I will officially be switched to johnson insurance on the 23rd, cancelling the renewal was quick and painless (with Desjardin)... ended up saving about 25% on what I would've paid if I stayed and accepted the rate hike. |
||||||||
|
|
|||||||
Originally Posted By: phoenixrage ok, so I will officially be switched to johnson insurance on the 23rd, cancelling the renewal was quick and painless (with Desjardin)... ended up saving about 25% on what I would've paid if I stayed and accepted the rate hike. Sweet, I'm with Johnson as well. $80 for the Jetta, $85 for the truck. |
||||||||
|
|
|||||||
Jello C.. cause thats still a bit less than what i'm paying for my MZ3... FML |
||||||||
|
|
|||||||
barrie address sure helps |
||||||||
|
|
|||||||
Originally Posted By: Euphoric barrie address sure helps For sure. Imagine if I told them I worked locally and didn't commute into the city everyday. |
||||||||
|
|
|||||||
They'd end up paying you!? |
||||||||
|
|
|||||||
Renewal is in the mail and my rate is going up this year. Looks like $20/month. Just tried some online quotes and I still can't beat the rate I'm getting as staff. Just gotta bend over and take it. |
||||||||
|
|
|||||||
^ who you with? |
||||||||
|
|
|||||||
Banque Royale |
||||||||
|
|
|||||||
oh yea.. so even with an employee rate it went up? that's B.S... did you check johnson insurance? thats who i switched to. |
||||||||
|
|
|||||||
With Cheese? Originally Posted By: eddie_82 Banque Royale |
||||||||
|
|
|||||||
Employee "rate" is just a % discount. If the base rate goes up your premium still goes up. Can't do a Johnson quote online, might give them a call later. It looks like I might save some $$ this year on the NSX insurance which should offset about half of the increase on the Insight. Still, taking it up the bum again. Hopefully the bonus is nice at the end of the year. |
||||||||
|
|
|||||||
yea, they were significantly cheaper. I just switched last month. |
||||||||
|
|
|||||||
I did a quote with Johnson about a month ago and it was still considerably more than my staff price with RBC... my renewal is not til August so I'll have to wait and see how my premiums will change. |
||||||||
|
|
|||||||
you gonna get raped? |
||||||||
|
|
|||||||
Just got my renewal. 2 vehicles. Clean record / no accidents. 1 car classed 01 and one 02, Markham address. $1M liability, no other frills. 1998 Honda Civic EK 4 door 2002 HOnda Civic EP3 $225 per month down from $236 per month but there are less coverages now. I miss the days when I worked for an insurance company with personal lines insurance. I was paying $800 per car. |
||||||||
|
|
|||||||
That's pretty expensive for those two. How much is the EK? My EK is about 85/month liability only with TDMM w/CMA + York U discounts. |
||||||||
|
|
|||||||
wow that is pricey...but again postal code can have quite a bit to do with it, as does record of course and type of car. oh and being married lol. vas, 85 is pretty darn good, even for EK. i dunno, sometimes i wonder what these ins. companies do to get their pricing. i get a discount like you and my sti is like 131/mnth which isnt bad considering still 'single' and where i live. but when i get a quote for a honda fit...it's still like 119/month! - $12 more a month to drive a car levels above it...weird. (mind you they put the sti as a 5dr wagon which helps i guess, and less of them involved in collisions/claims). both of a2bcaptain's cars are high claiming cars. (though so is an EK) |
||||||||
|
|
|||||||
i have 4 different insurance companies belair aviva wawanesa state farm i just took the 240 off of belair and put it on the custom wheel plan was payin $200 / month now it's $27 / month (yes, two seven). been waitin 5 years to get on that shit pulsar is $125 / month (wawanesa) bike $50 / month (state farm) i also have my old 240sx beater hatch still insured (with belair) but 'suspended' so its only $10 a month 27 in vaughan, 1 ticket for speeding (15 over) |
||||||||
|
|
|||||||
Hey, what's this "custom wheel" plan? How do I get the M3 on one of those? What company? What are the requirements? |
||||||||
|
|
|||||||
i believe its underwritten by aviva the broker is lant, in stoufville i think (www.lant-ins.ca) you need: -car thats 15 years old -an appraisal for said car (not MTO style, but 'insurance' style. they cost about 200) -10 yrs driving experience (from g2) -a good record -a daily driver insured regularly with your existing co the policy covers hobby use only. meaning you only drive the car in a manner thats consistent with collector car use aka no driving to work, no driving to get groceries, no racing, etc which to me isnt a big deal because thats how i use the 240 anyway these days. the pulsar is my daily. and when its nice out i find myself taking the bike anyway |
||||||||
|
|
|||||||
yeah was gonna get that for the fiero....didn't happen given my driving usage of it lol...old dude denied my ass on the phone right there and then. (and yes, fire coverage was included ) :P |
||||||||
|
|
|||||||
Mike, you can get cheaper premiums than Lant through Zehr brokers. Their plans are structured the same as Lant's but with better coverages (ie: $2MM liability). http://www.zehrvintagecars.com/auto-insurance.php |
||||||||
|
|
|||||||
yeah i did look into that too, but ive been told be numerous people that lant is the best honestly whether its 19 or 27 dollars a month i reaalyyyy dont care hahaha ive literally been counting down to the 10-year licensed mark since i found out this type of plan existed |
||||||||
|
|
|||||||
so driving it every weekend is ok? or do they monitor the mileage closer? |
||||||||
|
|
|||||||
theres no mileage restriction just usage restriction so basically if youre using it as a hobby car and not to do your daily chores, its ok |
||||||||
|
|
|||||||
Originally Posted By: Risky Business That's pretty expensive for those two. How much is the EK? My EK is about 85/month liability only with TDMM w/CMA + York U discounts. I think the difference is the CMA discount. I have the U of T one but the credit is not as close as the CMA one. (had a friend who converted his discount from UT to CMA and the diff was significant) I am not sure how much it is for the EK....don't have the policy in hand. |
||||||||
|
|
|||||||
Originally Posted By: spd-dmn theres no mileage restriction just usage restriction so basically if youre using it as a hobby car and not to do your daily chores, its ok wow, I am actually going to look into that. I just wonder how they enforce/prove the restrictions? I drive my car to work once in a while, maybe once every 2 weeks... |
||||||||
|
|
|||||||
I'm sure they'll only ask if you make a claim. |
||||||||
|
|
|||||||
Called lant, it's $22.50/month, but I have to wait until Jan 2012 if the car is 1997. |
||||||||
|
|
|||||||
valued at 13k or thereabouts? nice its worth it man and the policy is a 19A appraised value, meaning if your car gets written off you get the full value. no depreciation. |
||||||||
|
|
|||||||
my mothers policy went up $31/month makes no sense what so ever. shes old , doesnt go anywhere and downgraded her vehicle last yr. |
||||||||
|
|
|||||||
i've had 4 different insurance companies in the past 5 years. |
||||||||
|
|
|||||||
i was worried this year's renewal i'll get bent: wifey got into a non-at-fault accident in October, and my ticket should've been on record by now. last year's total (both cars): $2783 this year's total (both cars): $2650 doesn't make sense but i frickin' love it! |
||||||||
|
|
|||||||
My pricing overall was similar but considering the scaled back the accident benefits, it was actually an "increase" as we are getting a lot less coverage for the $$$. Ontario auto is pretty messed up still. |
||||||||
|
|
|||||||
Originally Posted By: Alpha-Trion I did a quote with Johnson about a month ago and it was still considerably more than my staff price with RBC... my renewal is not til August so I'll have to wait and see how my premiums will change. Just saw my renewal... mofos jacked it up $86!!! (for the year btw) |
||||||||
|
|
|||||||
Ok, since I am moving to Markham and I don't want to play games of keeping my cars at different address for savings I need a new company. TDMM is increasing my M3 50% and my civic 20%. I am looking to move two cars + home insurance. Male, 1 ticket, no accidents. Who should I call? I need a company that does the LEAST amount of policies in Markham. It's due to the high amount of "professionals" in Markham almost everyone is with TDMM, which has killed rates for the area |
||||||||
|
|
|||||||
Not bringing the fiancee into the policy at this time? What about adding the bike(s) as well? State Farm is supposed to be very competitive for larger policies, so maybe look at tacking on some life coverage as well and see what they quote you. A friend of mine got a very good rate for him and his wife in Mississauga on a detached home, 2 cars, a bike and some life coverage (I think) with State Farm. |
||||||||
|
|
|||||||
Thanks for the tip. I will contact my state farm broker for the bike and ask. |
||||||||
|
|
|||||||
Insurance went down quite a bit this time, from $1788 to $1477 for a 06 Audi A4 Wagon. Also how long do convictions and accidents stay on your record, I have an accident from 2004 and one speeding ticket from 2006 still on my driver's abstract. |
||||||||
|
|
|||||||
Originally Posted By: SilverSiR2 Insurance went down quite a bit this time, from $1788 to $1477 for a 06 Audi A4 Wagon. provider? anything major changes like hitting 25, ticket/accident coming off? |
||||||||
|
|
|||||||
I checked with statefarm, belair, and Johnson. My rates are still the best with TDMM $120ish for the M3 $100 for the civic. House is $5x.xx or 63 with tax / month. FUUUUUUUUUUUUUUUUUUUUUUUUUU |
||||||||
|
|
|||||||
have you tried johnson insurance? |
||||||||
|
|
|||||||
Originally Posted By: phoenixrage have you tried johnson insurance? |
||||||||
|
|
|||||||
fuck me i can't read today.. LOL |
||||||||
|
|
|||||||
Originally Posted By: c_snapper Originally Posted By: SilverSiR2 Insurance went down quite a bit this time, from $1788 to $1477 for a 06 Audi A4 Wagon. provider? anything major changes like hitting 25, ticket/accident coming off? I have a speeding ticket that is 5 years old and an accident that is 7 years old, still on my driving abstract. Also I'm with RBC. |
||||||||
|
|
|||||||
*gets ready to board failboat* |
||||||||
|
|
|||||||
No point for me to switch, I was under the impression I only had 1 ticket, apparently it's 2 One comes off next year, the the other in 2013. |
||||||||
|
|
|||||||
ouch |
||||||||
|
|
|||||||
how long do these things stay in the system now? for tickets i thought it was 3? |
||||||||
|
|
|||||||
Pretty sure it's 3 for tickets and 7 for accidents. Just renewed with Desjardins. Will be paying about $1300 now. My previous provider was Pembridge, they wanted $1800/yr on renewal. F that. This is a '99 SiR, no tickets, no accidents. |
||||||||
|
|
|||||||
WTFBBQ?! Mine just went up. $302 month. 2 cars, house and life.. Called my broker and was given no real explination. "Oh, the economy BS". |
||||||||
|
|
|||||||
I shop around every year! the f'n companies don't care how long you've been with them.. they don't have any loyalty to existing customers. |
||||||||
|
|
|||||||
NSX insurance down $26 for the year. Insight/home combined down about $60 for the year. What to do with these savings? I'm thinking beef jerky.... |
||||||||
|
|
|||||||
my rates went down about $150/year. |
||||||||
|
|
|||||||
eat a dick, the both of you! |
||||||||
|
|
|||||||
cause you has a type R |
||||||||
|
|
|||||||
i remember when i checked NSX insurance for me for fun a couple of years ago...like $119/month, niiiice lol. probably less now. |
||||||||
|
|
|||||||
I love insurance. 335d - $115/mth '98 Civic Si (because race car) - $135/mth |
||||||||
|
|
|||||||
because honda + markham |
||||||||
|
|
|||||||
because retards (ins. co's and Gov.) |
||||||||
|
|
|||||||
Originally Posted By: eddie_82 What to do with these savings? I'm thinking beef jerky.... I think I made the right choice |
||||||||
|
|
|||||||
When I called for pricing for my new car, I gave my broker a list of other similar vehicles. lol at the FRS. I guess the insurance companies have already rated them high in anticipation of all the Initial D shenanigans that will be happening this summer. Genesis Coupe 2.0T $1300 Genesis Coupe V6 $1345 Mustang V6: $1366 Volks GTI 2dr Hatch: $1398 BRZ: $1442 BMW M3 Coupe: $1475 Mustang GT: $1518 Honda Civic SI: $1528 Corvette: $1538 FRS: $1547 Subaru WRX 5 Door: $1583 |
||||||||
|
|
|||||||
^yeah, pretty much what i did with TDMM ins. i have - gave them a list and got quotes for each. pricing is unfairly stupid still. 2010 Honda Fit was coming in at like $121/month...$1452/yr gtfo clean record. |
||||||||
|
|
|||||||
yup.. shit makes zero sense... they should just have it set as a % of what the car's MSRP is.. then have multipliers for things like driving record, postal code.. and discounts accordingly.. IMO it shouldn't matter if there's more or less of a certain car on the road |
||||||||
|
|
|||||||
because Honda |
||||||||
|
|
|||||||
Originally Posted By: Creamin Scum Twat ^yeah, pretty much what i did with TDMM ins. i have - gave them a list and got quotes for each. pricing is unfairly stupid still. 2010 Honda Fit was coming in at like $121/month...$1452/yr gtfo clean record. I was on the phone with TDMM for close to an hour last year when I moved over and there are two issues with TDMM and Markham. Because Markham has so many young professionals and because TDMM caters to professionals in general there is some really retarded pricing out there. They have a high concentration of insured vehicles and Markham happens to be one of their hot spots for jacked up rates. Nothing can be done, especially when there are a ton of retarded drivers. I keep one car insured/registered at a different address or I'd be paying another $50/month more. |
||||||||
|
|
|||||||
Originally Posted By: Risky Business Originally Posted By: Creamin Scum Twat ^yeah, pretty much what i did with TDMM ins. i have - gave them a list and got quotes for each. pricing is unfairly stupid still. 2010 Honda Fit was coming in at like $121/month...$1452/yr gtfo clean record. I was on the phone with TDMM for close to an hour last year when I moved over and there are two issues with TDMM and Markham. Because Markham has so many young professionals and because TDMM caters to professionals in general there is some really retarded pricing out there. They have a high concentration of insured vehicles and Markham happens to be one of their hot spots for jacked up rates. Nothing can be done, especially when there are a ton of retarded drivers. I keep one car insured/registered at a different address or I'd be paying another $50/month more. exactly. after i added the R back in Dec, i was talking to one of the reps and they get to modify their rates (i think) it was every 2 yrs as per Gov. regulations. either up or down, etc. and reassess rates, postal codes/etc. anyways, he mentioned it USED to be north of steeles (non M postal code) was decently cheaper), but as of about 1-2 yrs ago this is no longer the case, and it's proving to be true, FTL. |
||||||||
|
|
|||||||
how much is insurance on the R now? |
||||||||
|
|
|||||||
170/mnth and im an old man w/ clean record. it's mainly because acura/"R"/L-postal code |
||||||||
|
|
|||||||
wowowowoww what the fuck...that rate is absurd. |
||||||||
|
|
|||||||
tell me about it system is fucked. yet for the sti with more power it was like 136/mnth lol. mind you the agent told me ins. takes into consideration how 'safe/newer' the car is more than they used too as well. plus the hatch was considered a wagon which dropped the rate. so essentially you could have a 2010 400+ hp audi s4 avant and pay less than someone in a 1998 civic/teg i think a 2009 GTR for me was 145/month? |
||||||||
|
|
|||||||
Screw the ITR, time to get a GTR old man |
||||||||
|
|
|||||||
It's like Christmas in May!!!! Saved $26 this year on the NSX insurance |
||||||||
|
|
|||||||
Originally Posted By: eddie_82 It's like Christmas in May!!!! Saved $26 this year on the NSX insurance more beef jerky! |
||||||||
|
|
|||||||
Just go my renewal. 2002 EP3 is $1438 1998 Civic Sedan is $1238 no accidents...nothing on the driving record. I am paying about $50 less than last year. 2 cars for under $3k, I am not complaining. |
||||||||
|
|
|||||||
baller w/ 2 cars, boat and new house |
||||||||
|
|
|||||||
Originally Posted By: A2B-Civic Just go my renewal. 2002 EP3 is $1438 1998 Civic Sedan is $1238 no accidents...nothing on the driving record. I am paying about $50 less than last year. 2 cars for under $3k, I am not complaining. if you don't mind my asking how old are you and what area do you live in? |
||||||||
|
|
|||||||
Markham..... Warden & 407. I am 34. My 26 yr old gf pays more with her 2005 Rusty Mazda 3. TDMM.....forgot to mention that...with the UT "discount" |
||||||||
|
|
|||||||
i am going to find out how what the diff in price is for moving from sauga to tor... im at 160 on the s right now w/ state farm |
||||||||
|
|
|||||||
Originally Posted By: A2B-Civic Markham..... Warden & 407. I am 34. My 26 yr old gf pays more with her 2005 Rusty Mazda 3. TDMM.....forgot to mention that...with the UT "discount" Your gf is Ed? |
||||||||
|
|
|||||||
LO.. OH WTF.. now i really gotta get rid of this MZ3POS |
||||||||
|
|
|||||||
Originally Posted By: Alpha-Trion Originally Posted By: A2B-Civic Markham..... Warden & 407. I am 34. My 26 yr old gf pays more with her 2005 Rusty Mazda 3. TDMM.....forgot to mention that...with the UT "discount" Your gf is Ed? Nah.... the food blogger has got his sausage blogged. |
||||||||
|
|
|||||||
Originally Posted By: A2B-Civic Originally Posted By: Alpha-Trion Originally Posted By: A2B-Civic Markham..... Warden & 407. I am 34. My 26 yr old gf pays more with her 2005 Rusty Mazda 3. TDMM.....forgot to mention that...with the UT "discount" Your gf is Ed? Nah.... the food blogger has got his sausage blogged. Well played, Sir |
||||||||
|
|
|||||||
Originally Posted By: A2B-Civic Just go my renewal. 2002 EP3 is $1438 1998 Civic Sedan is $1238 no accidents...nothing on the driving record. I am paying about $50 less than last year. 2 cars for under $3k, I am not complaining. So insurance on the '98 is actually more than what the car is worth? time to take collision off of it? |
||||||||
|
|
|||||||
Originally Posted By: A2B-Civic Just go my renewal. 2002 EP3 is $1438 1998 Civic Sedan is $1238 no accidents...nothing on the driving record. I am paying about $50 less than last year. 2 cars for under $3k, I am not complaining. Just wondering do you really need 2 Civic for daily? Save the $1238 a year by dumping the 98 Civic! |
||||||||
|
|
|||||||
fucking civics. I want to pick up one myself but insurance is asinine . *buys $1000 civic, pays $1500 insurance a yr * |
||||||||
|
|
|||||||
Originally Posted By: Euphoric fucking civics. I want to pick up one myself but insurance is asinine . *buys $1000 civic, pays $1500 insurance a yr * yup.... f'n insurance companies |
||||||||
|
|
|||||||
Originally Posted By: iamfob Originally Posted By: A2B-Civic Just go my renewal. 2002 EP3 is $1438 1998 Civic Sedan is $1238 no accidents...nothing on the driving record. I am paying about $50 less than last year. 2 cars for under $3k, I am not complaining. Just wondering do you really need 2 Civic for daily? Save the $1238 a year by dumping the 98 Civic! EP is my daily. The EK is my garage queen. Actually...my bro has the EK. I lend my EK to my brother on occasion when he needs it for work while his wife has his other car... But ya....I should double check the $$$ for the physical damage as the payout would be next to nothing in the event of an accident. |
||||||||
|
|
|||||||
Originally Posted By: phoenixrage Originally Posted By: Euphoric fucking civics. I want to pick up one myself but insurance is asinine . *buys $1000 civic, pays $1500 insurance a yr * yup.... f'n insurance companies |
||||||||
|
|
|||||||
Originally Posted By: Alpha-Trion Originally Posted By: phoenixrage Originally Posted By: Euphoric fucking civics. I want to pick up one myself but insurance is asinine . *buys $1000 civic, pays $1500 insurance a yr * yup.... f'n insurance companies *high-five* |
||||||||
|
|
|||||||
Just saw that my premium went up and am quite surprised. 2010 Mazda 6 $2400 full coverage and house is at $1250. Both with Johnson. I find that quite high. Anyone recommend some other company to check out? Or are those prices realistic? |
||||||||
|
|
|||||||
just shop around I guess?.. I'm with johnson right now, and my rate went down this year.. so I'm happy with them. Especially when shopping around and all the other rates were 10-20% higher. |
||||||||
|
|
|||||||
what was the % increase for the car and the house? No claims? |
||||||||
|
|
|||||||
My Insurance sky rocketed when i moved back to my parents 2002 Honda CRV EXL (full coverage 10km one way to work) 2005 Acura RSX Type S for leisure only (full Coverage) Tenth Line And Derry L5N area @ $278 a month now Square One area L5B @ $373 a month Morris and Mackenzie (Montreal office) apparently its different then the Toronto office. One thing I do admit though.. its a pretty good insurance company none the less. Claim process was amazing when i needed to make a claim and they know my RSX is modified. so I cant complain there. 9 star rating, one accident (was not at fault) and i still have my forgiveness claim |
||||||||
|
|
|||||||
Originally Posted By: civic13 Just saw that my premium went up and am quite surprised. 2010 Mazda 6 $2400 full coverage and house is at $1250. Both with Johnson. I find that quite high. Anyone recommend some other company to check out? Or are those prices realistic? Your house insurance is double what mine is! I am with TDMM for everything. |
||||||||
|
|
|||||||
Originally Posted By: phoenixrage just shop around I guess?.. I'm with johnson right now, and my rate went down this year.. so I'm happy with them. Especially when shopping around and all the other rates were 10-20% higher. Initially my rate(s) did go down a bit (at the beginning of the year) but I noticed for this month the rate went up and this caused some curiousity. So I emailed my broker and she said that my renewal times for each are different and there was a slight increase across the board but that doesn't explain why at the beginning of the year my rates dropped a bit from last year and then this month it went higher. @A2B - I'll have to check what my old premium was at home later but I have had no claims. |
||||||||
|
|
|||||||
Originally Posted By: Risky Business Originally Posted By: civic13 Just saw that my premium went up and am quite surprised. 2010 Mazda 6 $2400 full coverage and house is at $1250. Both with Johnson. I find that quite high. Anyone recommend some other company to check out? Or are those prices realistic? Your house insurance is double what mine is! I am with TDMM for everything. I used to be with TDMM when I had the civic but they somehow found out it was modified (SC) and wanted to cancel my plan but I cancelled it before they did to avoid any crap. I would love to get back with them but back then somehow I was able to use them as I was not in any professional category that they listed. |
||||||||
|
|
|||||||
Is your SO affiliated to any of their professional bodies/alumi? You can put it under her name. I put it under my name since I get a higher discount than teachers (SO) with TDMM. |
||||||||
|
|
|||||||
Hmm..not sure, she works at Mount Sinai. Any way to check which professional organizations they deal with instead of calling? |
||||||||
|
|
|||||||
I don't know, best is to call. Their customer service is pretty good, you can get an agent to talk to you in less than a minute. |
||||||||
|
|
|||||||
wohoo! car insurance went down by $92 this year combined for the x3 and the s home insurance went down by $20 |
||||||||
|
|
|||||||
Got my renewal and it went up a whole $3/mth... $152 total, $103 for the Orlando and $49 for the house |
||||||||
|
|
|||||||
Originally Posted By: Alpha-Trion $103 for the Orlando |
||||||||
|
|
|||||||
holds more meat |
||||||||
|
|
|||||||
got the R down to 165/month now after reviewing policy and bitching at them. |
||||||||
|
|
|||||||
thats still cray |
||||||||
|
|
|||||||
Got a letter yesterday the motors insurance is closing Canadian operations. I only looked briefly at the letter but I believe smart coverage is still around, but motors insurance is done. They outlined a suggestion to keep them but change carriers at a significant cost increase. Like I said, I'll have to read it again. CN: Me and Wayne |
||||||||
|
|
|||||||
^^ |
||||||||
|
|
|||||||
|
||||||||
|
|
|||||||
^^ I called today, my renewal isn't processed yet, so they don't know what the new rate is. Obviously it will be higher than with the motors, so most likely I will be shopping for a new broker / insurance company |
||||||||
|
|
|||||||
I haven't yet found a better rate but the loss of transportation replacement is a deal breaker if I can find something else in a similar price point, WTF? How does my car no longer qualify for that. I'm not certain what I'm paying now because since my last premium was paid (annually) I moved, added my wife on the policy, and lost my multi car discount, but this is about a 20-22% increase. |