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#5490547 - 04/11/11 02:44 PM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
Euphoricuck Offline
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Registered: 11/05/03
Posts: 92703
Loc: Canadistan
barrie address sure helps ;\)
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#5490553 - 04/11/11 02:46 PM Re: insurance renewal time.... what do you pay and who you with? [Re: Euphoricuck]
LNXGUY Moderator Offline
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Registered: 08/06/00
Posts: 106838
Loc: Barrie, Ont,
 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.
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The GN would OWN you, your children and your children's children.
'09 E90 335d

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#5490567 - 04/11/11 02:49 PM Re: insurance renewal time.... what do you pay and who you with? [Re: LNXGUY]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
They'd end up paying you!?
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5551746 - 05/10/11 10:50 AM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
Senor Eduardo_82 Offline
miataist
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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.


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#5551762 - 05/10/11 10:55 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
^ who you with?
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5551794 - 05/10/11 11:03 AM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
Senor Eduardo_82 Offline
miataist
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
Banque Royale
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#5551802 - 05/10/11 11:05 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
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.
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5551831 - 05/10/11 11:12 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9483
Loc: Toronto, ON
With Cheese?

 Originally Posted By: eddie_82
Banque Royale

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#5551836 - 05/10/11 11:13 AM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
Senor Eduardo_82 Offline
miataist
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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.

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#5551850 - 05/10/11 11:17 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
yea, they were significantly cheaper. I just switched last month.
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5551980 - 05/10/11 11:57 AM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
Alpha-Trion Offline
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Registered: 06/10/02
Posts: 6956
Loc: Milltown
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.
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#5552020 - 05/10/11 12:05 PM Re: insurance renewal time.... what do you pay and who you with? [Re: Alpha-Trion]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
you gonna get raped?
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5587720 - 05/26/11 11:12 PM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45550
Loc: Raptors Land
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.




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#5587800 - 05/27/11 12:07 AM Re: insurance renewal time.... what do you pay and who you with? [Re: A2B-Lexus]
Risky Business Offline
Provides a Great Work Environment. he/him
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Registered: 05/17/10
Posts: 44789
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.

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#5587986 - 05/27/11 07:52 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
Screamin Type ARGH! Offline
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Registered: 02/20/01
Posts: 47632
Loc: T.O. - Canaduh
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)
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#5588005 - 05/27/11 08:13 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Screamin Type ARGH!]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
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)

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#5588037 - 05/27/11 08:30 AM Re: insurance renewal time.... what do you pay and who you with? [Re: spd-dmn]
Risky Business Offline
Provides a Great Work Environment. he/him
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Registered: 05/17/10
Posts: 44789
Hey, what's this "custom wheel" plan?

How do I get the M3 on one of those? What company? What are the requirements?

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#5588045 - 05/27/11 08:35 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
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

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#5588053 - 05/27/11 08:41 AM Re: insurance renewal time.... what do you pay and who you with? [Re: spd-dmn]
Screamin Type ARGH! Offline
High Value Poster
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Registered: 02/20/01
Posts: 47632
Loc: T.O. - Canaduh
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
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#5588069 - 05/27/11 08:46 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Screamin Type ARGH!]
Senor Eduardo_82 Offline
miataist
Post Master Supreme


Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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

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#5588095 - 05/27/11 08:56 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
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

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#5588148 - 05/27/11 09:17 AM Re: insurance renewal time.... what do you pay and who you with? [Re: spd-dmn]
phoenixrage Offline
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Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
so driving it every weekend is ok? or do they monitor the mileage closer?
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5588152 - 05/27/11 09:19 AM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
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

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#5588158 - 05/27/11 09:21 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45550
Loc: Raptors Land
 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.

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#5588201 - 05/27/11 09:35 AM Re: insurance renewal time.... what do you pay and who you with? [Re: spd-dmn]
Risky Business Offline
Provides a Great Work Environment. he/him
Post Master Supreme


Registered: 05/17/10
Posts: 44789
 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...

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#5588239 - 05/27/11 09:49 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
Senor Eduardo_82 Offline
miataist
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
I'm sure they'll only ask if you make a claim.
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#5588360 - 05/27/11 10:30 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Senor Eduardo_82]
Risky Business Offline
Provides a Great Work Environment. he/him
Post Master Supreme


Registered: 05/17/10
Posts: 44789
Called lant, it's $22.50/month, but I have to wait until Jan 2012 if the car is 1997.
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#5589192 - 05/27/11 03:46 PM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
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.

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#5589317 - 05/27/11 04:30 PM Re: insurance renewal time.... what do you pay and who you with? [Re: spd-dmn]
Euphoricuck Offline
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Registered: 11/05/03
Posts: 92703
Loc: Canadistan
my mothers policy went up $31/month makes no sense what so ever. shes old , doesnt go anywhere and downgraded her vehicle last yr.
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#5589849 - 05/27/11 09:26 PM Re: insurance renewal time.... what do you pay and who you with? [Re: Euphoricuck]
phoenixrage Offline
Post Master Supreme


Registered: 01/15/08
Posts: 50785
Loc: People's Republic of Ontario
i've had 4 different insurance companies in the past 5 years.
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Don't question things, everything is good the way it is and no improvements or suggestions needed.

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#5684103 - 07/15/11 10:27 PM Re: insurance renewal time.... what do you pay and who you with? [Re: phoenixrage]
hyper-s2k Offline
Post Master Supreme


Registered: 12/01/05
Posts: 14556
Loc: T dot O dot, Canada
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! \:D
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'08 //M3 - now @ 90,xxx km - wtf did i do?
'13 x1 - now @ 99,xxx km - a2b car
'10 x3 - now @ 123,xxx km - time 2 go?
'03 s2k - now @ 80,xxx km - a2a car
'08 535i - sold @ 149,421 km - cashed out just in time!
'08 impreza 2.5i - sold @ - 64,147 km - smh POS
'01 rav4 - killed @ 155,879 km - RIP old friend

"Driving in the snow is like sex. If you want to avoid accidents, abstinence is the best policy. If you're gonna take her for a spin, use protection." - Rick Mercer

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#5684334 - 07/16/11 07:37 AM Re: insurance renewal time.... what do you pay and who you with? [Re: hyper-s2k]
A2B-Lexus Offline
Post Master Supreme


Registered: 04/19/01
Posts: 45550
Loc: Raptors Land
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.
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#5684630 - 07/16/11 12:33 PM Re: insurance renewal time.... what do you pay and who you with? [Re: Alpha-Trion]
Alpha-Trion Offline
Post Master Sr


Registered: 06/10/02
Posts: 6956
Loc: Milltown
 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)

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#5727129 - 08/08/11 09:45 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Alpha-Trion]
Risky Business Offline
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Post Master Supreme


Registered: 05/17/10
Posts: 44789
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 \:\(

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#5727154 - 08/08/11 09:58 AM Re: insurance renewal time.... what do you pay and who you with? [Re: Risky Business]
Senor Eduardo_82 Offline
miataist
Post Master Supreme


Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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.

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