| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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08-18-2009, 10:24 PM
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#126 | | My dinner reheated before my turbo spooled
Join Date: May 2008 Location: Vancouver
Posts: 1,758
Thanked 403 Times in 130 Posts
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2001 BMW M3
15% discount, to and from work/school 15km
$328/month = $3936/year
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08-18-2009, 11:23 PM
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#127 | | F**K YOUR HEAD
Join Date: Apr 2009 Location: vancouver
Posts: 8,718
Thanked 8,153 Times in 1,251 Posts
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$1000 a year 
I think it's only third party, and it's under my dad's name
That's not so bad since i only have my L
And my dad drives it a lot
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08-19-2009, 06:55 AM
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#128 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
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| Quote:
Originally Posted by brute_4s  02 wrx...2 million liability, 300 deductible, no rental car for accident...3200...25% discount...i almost shat myself | You're in the same situation as I am. My 03 is worth about $10K, and if I have an accident likely its going to cost more to fix than buy another, so it'll get written off. Thus no rental needed, just buy a new car! 
In my case I'm paying $1K for collision/comprehensive, and my car will depreciate $1K/yr. So in 2 years I will have saved $2K not paying collision/comprehensive, and my car will only be worth $8K... in 3 years $3K and $7K... in 4 years $4K and $6K... and in 5 years I'll have saved enough to buy a whole new car $5K == $5K.
My math is simple, yet hopefully it gets the point across. If you're willing to gamble with a few years where you'll get screwed, you'll eventually win, and win big. Plus, my car is going to depreciate > $1K/yr, its got a lot of mileage. In your case the math is even more in your favour, as you're probably paying > $1K/yr for collision/comprehensive.
Why anyone pays collision/comprehensive on cars worth < $10K is beyond me... then again, people waste money on extended warranties too. Its a gamble with not paying collision/comprehensive, yet its a safe gamble if the car is paid off and you enough saved to buy another car.
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08-19-2009, 08:08 AM
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#129 | | I STILL don't get it
Join Date: Jun 2001 Location: Yaletown
Posts: 494
Thanked 93 Times in 50 Posts
Failed 10 Times in 3 Posts
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shit. my $2000 doesn't seem too bad now that I see what others are paying lol.
Just did my insurance last week on my new car
2009 BMW 335i Sedan
Roadstar
full coverage
$2000/year
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08-19-2009, 08:13 AM
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#130 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jun 2004 Location: vancouver
Posts: 5,482
Thanked 386 Times in 177 Posts
Failed 64 Times in 20 Posts
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i have 20% discount. going onto 25 in october! yay
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08-19-2009, 10:37 AM
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#131 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Sep 2008 Location: Vancouver
Posts: 8,858
Thanked 2,420 Times in 669 Posts
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| Quote:
Originally Posted by taylor192 I thought Ontario car insurance was a scam, cause Quebec public insurance is cheap.
Its the damn % +/- system ICBC uses. ICBC has a max +% (+40%?), which means even the worst drivers can get insurance. In Ontario there is no max, if you're a bad driver they'll quote you $10K+ to convince you not to drive and get bad drivers off the road. | Oh shit, you serious? I think that may be a better system. Get all those damn high beaming, ridiculously poor parking, opposite lane driving, welding mask wearing, no-signal lane changing women in richmond off the road.
Last edited by shenmecar; 08-19-2009 at 10:43 AM.
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08-19-2009, 10:41 AM
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#132 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2005 Location: Revscene
Posts: 9,651
Thanked 7,704 Times in 2,588 Posts
Failed 434 Times in 126 Posts
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'90 Miata
2m 3rd Party liability
Specified Perils (pretty much comprehensive without accidents/vandalism coverage)
30% (i think) discount
$1200/yr
__________________ Quote:
Originally Posted by skyxx Sonick is a genius. I won't go into detail what's so great about his post. But it's damn good! | 2010 Toyota Rav4 Limited V6 - Wifey's Daily Driver
2009 BMW 128i - Daily Driver
2007 Toyota Rav4 Sport V6 - Sold
1999 Mazda Miata - Sold
2003 Mazda Protege5 - Sold
1987 BMW 325is - Sold
1990 Mazda Miata - Sold 100% Buy and Sell Feedback | 
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08-19-2009, 10:43 AM
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#133 | | My homepage has been set to RS
Join Date: Nov 2004 Location: Burnaby,BC
Posts: 2,053
Thanked 1,185 Times in 304 Posts
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hahah icbc is not max +40% lol... i got my insurance quote in the mail not too long ago... 205% surcharge, they qutoted me $15,600 for insurance on my audi... of course there's ways to get around that, so i'm paying 260/month on it now for full coverage, 3 mil liability, 300 comp, $1000 collision, rental and all
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08-19-2009, 10:45 AM
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#134 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Sep 2008 Location: Vancouver
Posts: 8,858
Thanked 2,420 Times in 669 Posts
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| Quote:
Originally Posted by xpl0sive hahah icbc is not max +40% lol... i got my insurance quote in the mail not too long ago... 205% surcharge, they qutoted me $15,600 for insurance on my audi... of course there's ways to get around that, so i'm paying 260/month on it now for full coverage, 3 mil liability, 300 comp, $1000 collision, rental and all | Haxor!!!! Its called using your parent's name I guess. Quote:
Originally Posted by sonick '90 Miata
2m 3rd Party liability
Specified Perils (pretty much comprehensive without accidents/vandalism coverage)
30% (i think) discount
$1200/yr | Holy shit, thats as cheap as my uncle's Tercel. $1187/year.
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08-19-2009, 10:48 AM
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#135 | | Orgasm Donor & Alatar owned my ass twice!
Join Date: Mar 2003 Location: Vancouver
Posts: 6,803
Thanked 91 Times in 38 Posts
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Originally Posted by shenmecar Oh shit, you serious? I think that may be a better system. Get all those damn high beaming, ridiculously poor parking, opposite lane driving, welding mask wearing, no-signal lane changing women in richmond off the road. | Hasn't done that in Markham or Richmond Hill.
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08-19-2009, 01:01 PM
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#136 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
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| Quote:
Originally Posted by xpl0sive hahah icbc is not max +40% lol... i got my insurance quote in the mail not too long ago... 205% surcharge, they qutoted me $15,600 | Damn, I would take the bus.
Yet what portion was ICBC and what was the private insurer? As far as I understand it, ICBC basic is a set amount, lets say $1500, so 205% is only ~$3K.
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08-19-2009, 01:09 PM
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#137 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,582
Thanked 3,789 Times in 1,349 Posts
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| Quote:
Originally Posted by xpl0sive hahah icbc is not max +40% lol... i got my insurance quote in the mail not too long ago... 205% surcharge, they qutoted me $15,600 for insurance on my audi... of course there's ways to get around that, so i'm paying 260/month on it now for full coverage, 3 mil liability, 300 comp, $1000 collision, rental and all |
Ya you pulled the wool over there eyes and got em.  If you have a 205% surcharge it's because you drive like a blind drunk. You insured your car in someone elses name *golf clap* until you get in another accident and ICBC voids your shit because they'll figure out exactly whats up.They'll ask your neighbors, coworkers or fellow students who drives this car. Then you'll get a bill for the damages to whatever vehicle you crashed into, injuries, doctors, ambulance whatever it might be.
I might come across as crude but it seriously isn't worth it. I know a guy who was smart like you, he now owes ICBC more money then he makes in 3 years.
__________________
The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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08-19-2009, 01:10 PM
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#138 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
Thanked 2,910 Times in 1,173 Posts
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| http://www.icbc.com/autoplan/costs/claim-record/CRS
it says although the most on the chart says +205%, its possible to exceed that amount.
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08-19-2009, 01:12 PM
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#139 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
Thanked 2,910 Times in 1,173 Posts
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| Quote:
Originally Posted by taylor192 Damn, I would take the bus.
Yet what portion was ICBC and what was the private insurer? As far as I understand it, ICBC basic is a set amount, lets say $1500, so 205% is only ~$3K. | +205% is not the same as 205%
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08-19-2009, 01:54 PM
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#140 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
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Originally Posted by unit +205% is not the same as 205% | OK still, $4.5K is not $15K.
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08-19-2009, 02:01 PM
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#141 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,582
Thanked 3,789 Times in 1,349 Posts
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| Quote:
Originally Posted by taylor192 OK still, $4.5K is not $15K. | You're using $1500, he said he's paying ($260 x 12) $3120 a year right now with a discount which could be as high 43%. Take away that 43% discount and you're around $4500 a year then add another 205% surchage on top of that and it will be a lot closer to 15K then 4.5K.
__________________
The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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08-19-2009, 02:26 PM
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#142 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
Thanked 2,910 Times in 1,173 Posts
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yup... 15k @ +205% would mean his base rate is around 5k. not uncommon for a lot of cars.
nobodys pays just $1500 with 0% discount! that would be insane no matter what car you drove let alone an audi
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08-19-2009, 03:02 PM
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#143 | | 14 dolla balla aint got nothing on me!
Join Date: May 2005 Location: Surrey
Posts: 689
Thanked 71 Times in 39 Posts
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| Quote:
Originally Posted by 1990TSI 2010 genesis coupe turbo
1 mil liability, 300 comprehensive, 500 collision
43%
to and from work within 15km
$158/month
reason why it's cheap: None have been crashed, stolen or anything in BC... yet |
u fell for an icbc scam....to and from work within 15km costs the exact same if its in excess of 15km...plus if u say in excess of 15km's then it counts for pleasure use aswell. just hope u dont crash ur car 16 km's fropm home or expect a shit storm from icbc
__________________
00 Beetle Tdi (Herpie the love bug)
02 Focus Wagon
02 WRX Bug Eye Modded
92 Ford Festiva aka the FASTiva (Big GoKart)
08 GSX-R 600 (Sold)
90 Acura Integra Beater (Sold)
97 Jeep Tj Sahara (Sold)
93 Si Hatch Turbo'd IC'd 11 psi (Sold)
1992 Jeep Cherokee LTD (RIP)
1990 MitsubishEagle Talon Tsi (Sold)
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08-19-2009, 05:00 PM
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#144 | | 14 dolla balla aint got nothing on me!
Join Date: Nov 2006 Location: Vancouver
Posts: 635
Thanked 71 Times in 40 Posts
Failed 13 Times in 8 Posts
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97 Integra RS
300m / $1000 / $1000
pay $2300 a year with 20% discount
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08-19-2009, 05:36 PM
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#145 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
Failed 1,106 Times in 390 Posts
| Quote:
Originally Posted by brute_4s u fell for an icbc scam....to and from work within 15km costs the exact same if its in excess of 15km...plus if u say in excess of 15km's then it counts for pleasure use aswell. just hope u dont crash ur car 16 km's fropm home or expect a shit storm from icbc | ICBC actually scams people?
damnnnn never heard | |
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08-19-2009, 06:00 PM
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#146 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
Posts: 9,569
Thanked 3,604 Times in 1,216 Posts
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| Quote:
Originally Posted by xpl0sive hahah icbc is not max +40% lol... i got my insurance quote in the mail not too long ago... 205% surcharge, they qutoted me $15,600 for insurance on my audi... of course there's ways to get around that, so i'm paying 260/month on it now for full coverage, 3 mil liability, 300 comp, $1000 collision, rental and all | Unless you bought like the biggest shit box ever and having it take the penalty is one other way working around the surcharge
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08-19-2009, 06:09 PM
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#147 | | Banned (ABWS)
Join Date: Aug 2008 Location: vancouver
Posts: 1,742
Thanked 179 Times in 76 Posts
Failed 189 Times in 70 Posts
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$4000/year
07 Civic Si
New driver- No discount
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08-19-2009, 06:10 PM
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#148 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
Posts: 9,569
Thanked 3,604 Times in 1,216 Posts
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$185 per month
10% discount
2 mil liability
300 comprehensive
work/school within 15km
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08-19-2009, 09:39 PM
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#149 | | straight from the fields of squamton
Join Date: Jul 2003 Location: Grande Prairie
Posts: 11,286
Thanked 576 Times in 201 Posts
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Originally Posted by brute_4s u fell for an icbc scam....to and from work within 15km costs the exact same if its in excess of 15km...plus if u say in excess of 15km's then it counts for pleasure use aswell. just hope u dont crash ur car 16 km's fropm home or expect a shit storm from icbc | I see you work for ICBC, must be a top exec.
They give you 6 days for pleasure use outside of the work driving per month. How can they track how many days I've used.
I guarantee if someone t-boned me in kelowna (not where I live by far) I'd get covered. Which is nice to know, since too many old people live there and I spend a lot of time there.
I'll give you the benefit of the doubt though and I'm gonna double check with my insurance broad, just to make sure nothing has changed since I last renewed my car.
who am I kidding, you're obviously wise beyond your years and are never wrong, ICBC scammed me and I should never go 15kms past work!!!!!!
__________________
2013 Mazdaspeed 3
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08-19-2009, 10:21 PM
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#150 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
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| Quote:
Originally Posted by quasi You're using $1500, he said he's paying ($260 x 12) $3120 a year right now with a discount which could be as high 43%. Take away that 43% discount and you're around $4500 a year then add another 205% surchage on top of that and it will be a lot closer to 15K then 4.5K. | Does everyone know that your insurance is 2 parts?
1. Basic
2. Optional (liability, comprehensive, collision)
The XX% discount/penalty only applies to the Basic portion. With a 25% discount my Basic is about $1200, Optional another $800.
If I was a 60yo man with a perfect record, my Optional would be $400, if I was 20yo with a perfect record it would be $2K, as 30yo with a perfect record its $800. Guess what? The Basic stays the same (not considering discounts/penalty percentages).
Correct me if I am wrong.
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