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08-19-2009, 10:22 PM
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#151 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
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Out of 95% of my customer, there is at least a minimum of $30 difference between within 15km's and over 15 km's. I recommend to my customers that if they are close within 15kms, I would just recommend the over 15km's to be safe so that ICBC doesn't burn them.
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REVscene.net
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08-19-2009, 11:51 PM
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#152 | | Wunder? Wonder?? Wander???
Join Date: Jun 2004 Location: Vancouver
Posts: 207
Thanked 0 Times in 0 Posts
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2004 Mazda 3 GT
$2200/year w/ 25% discount
2 million 3rd party and within 15Km
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"Believe The Hype."
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08-20-2009, 12:11 AM
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#153 | | Everyone wants a piece of R S...
Join Date: Mar 2006 Location: Vancouver
Posts: 373
Thanked 5 Times in 5 Posts
Failed 0 Times in 0 Posts
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2000 BMW M5
20% Discount, No accidents/DPP
2 million liability, comprehensive, collision $300 deductable. to and from work less then 15km
4274$ year, 357$ a month.
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ride/drive best of both worlds.
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08-20-2009, 08:41 AM
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#154 | | My homepage has been set to RS
Join Date: Nov 2004 Location: Burnaby,BC
Posts: 2,053
Thanked 1,185 Times in 304 Posts
Failed 115 Times in 62 Posts
| Quote:
Originally Posted by TypeRNammer  Unless you bought like the biggest shit box ever and having it take the penalty is one other way working around the surcharge | exactly... and i'm not a shitty driver, just had bad luck... had my frist minor accident when i just got my license, and that put me at +55%. i was young and dumb and shouldn't have claimed it, but the other people's car had damages too, so i just let ICBC pay for it... then 3 years later i got into another accident... well not three years, but rather 4 days before the three years. so my rates were supposed to go back to -5%, but because the accident was before the 3 year mark, they raised me up another 6 points, putting me at 205%... talk about a scam. so now i've got a 72 civic sitting there with basic insurance on it, taking up that surcharge, and i'm getting a 25% discount on my audi... and you guys are right, the base rate on it is about $5k...
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08-20-2009, 09:03 AM
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#155 | | 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
Failed 83 Times in 42 Posts
| Quote:
Originally Posted by taylor192 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. | Corrected, basic does not stay the same and is effected by the discount/surcharge just like optional coverage.
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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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08-20-2009, 09:46 AM
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#156 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
Thanked 2,910 Times in 1,173 Posts
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basic does stay the same after a certain CRS level. once you hit 43% that is the max for the basic discount. optional increases slowly even after you've hit 43% on your basic discount. you can have up to 54% discount on your optional coverage, but it takes 17 years to get to that point.
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08-20-2009, 09:52 AM
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#157 | | 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
Failed 530 Times in 136 Posts
| Quote:
Originally Posted by chris_89T 2000 BMW M5
20% Discount, No accidents/DPP
2 million liability, comprehensive, collision $300 deductable. to and from work less then 15km
4274$ year, 357$ a month. | Wow.
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08-20-2009, 11:04 AM
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#158 | | RS controls my life!
Join Date: Sep 2002 Location: Vancouver
Posts: 699
Thanked 53 Times in 15 Posts
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So which one do you pay the least and which is the most?
to and from school/work within within 15km's
to and from school/work over within 15km's
for pleasure
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~Milhouse Hilmouse~
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08-20-2009, 11:36 AM
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#159 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
Failed 555 Times in 222 Posts
| Quote:
Originally Posted by quasi Corrected, basic does not stay the same and is effected by the discount/surcharge just like optional coverage. | 1. Optional coverage is not affected by the discount, private insurers make their own rules about how to calculate this. I gave an example, at 40yo I would pay $400 less, even if I have the 43% discount now and then.
2. I understand Basic is different for vehicles, address, ... yet age/gender is not supposed to make a difference, only driving experience aka the discount.
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08-20-2009, 11:37 AM
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#160 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
Failed 555 Times in 222 Posts
| Quote:
Originally Posted by unit basic does stay the same after a certain CRS level. once you hit 43% that is the max for the basic discount. optional increases slowly even after you've hit 43% on your basic discount. you can have up to 54% discount on your optional coverage, but it takes 17 years to get to that point. | Where is that info? and please explain why I can get a quote from BCAA for $800 at 30yo and $400 at 40yo with the extra same driving record (8 years clean).
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08-20-2009, 11:47 AM
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#161 | | 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
Failed 83 Times in 42 Posts
| Quote:
Originally Posted by taylor192 1. Optional coverage is not affected by the discount, private insurers make their own rules about how to calculate this. I gave an example, at 40yo I would pay $400 less, even if I have the 43% discount now and then.
2. I understand Basic is different for vehicles, address, ... yet age/gender is not supposed to make a difference, only driving experience aka the discount. | We're talking about ICBC are we not? I understand there are private insurance companies out there you can get optional insurance through and there rates are whatever they want them to be. When dealing with ICBC your discount/surcharge effects everything from basic to optional.
I think we're debating semantics here?
__________________
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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08-20-2009, 11:56 AM
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#162 | | Say NO to blade grinders!
Join Date: Apr 2001 Location: Vancouver
Posts: 8,083
Thanked 1,256 Times in 580 Posts
Failed 67 Times in 49 Posts
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~$2200/year
1994 MR2 Turbo @ 30%
To/From work 15km. $2Mill. $300/$300 deductible.
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08-20-2009, 12:06 PM
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#163 | | My homepage has been set to RS
Join Date: Aug 2005 Location: Kelowna
Posts: 2,163
Thanked 20 Times in 7 Posts
Failed 4 Times in 3 Posts
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1990 Integra $77 month. fire/theft only.
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LADIES!!! Tired of being alone? Going through too many batteries at bedtime? Would you like a "hand"?? Well, you're in luck!!! S.T.U.D.S IS HERE FOR YOU!!! We offer all types of services, from a basic lube, to the full service! S.T.U.D.S.
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08-20-2009, 12:07 PM
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#164 | | How I Mod your mother
Join Date: Jul 2004 Location: Crayon Box
Posts: 13,688
Thanked 977 Times in 477 Posts
Failed 18 Times in 11 Posts
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Right now I'm paying $230/month
2008 sentra SE-R
I think I'm only at 20% discount?
__________________ Quote: | [19-07, 16:52] bloodmack: EB did u change my avatar and title?
| Quote: | [19-07, 16:54] El Bastardo: bm i have no idea what you're talking about because i don't speak gorilla
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08-20-2009, 12:32 PM
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#165 | | I *Fwap* *Fwap* *Fwap* to RS
Join Date: Aug 2006 Location: Vancouver
Posts: 1,599
Thanked 492 Times in 125 Posts
Failed 104 Times in 21 Posts
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Too much. $270/month with 20% discount.
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08-20-2009, 01:31 PM
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#166 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Nov 2001 Location: Vancouver
Posts: 8,341
Thanked 263 Times in 82 Posts
Failed 20 Times in 6 Posts
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Just renewed. $2900 for the year. 40% discount
2003 M3 Business Use
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:makeout:
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08-20-2009, 01:33 PM
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#167 | | Unofficial Tin Foil Hat Specialist.
Join Date: May 2008 Location: Vancouver
Posts: 8,150
Thanked 1,529 Times in 604 Posts
Failed 326 Times in 125 Posts
| Quote:
Originally Posted by ShyGuy Just renewed. $2900 for the year. 40% discount
2003 M3 Business Use | Wow! Still that much at 40% off? Crazy...
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08-20-2009, 02:22 PM
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#168 | | Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005 Location: Surrey
Posts: 12,759
Thanked 689 Times in 376 Posts
Failed 61 Times in 38 Posts
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Originally Posted by Nvasion 2000 celica gts
full coverage.
3600 a year. | Damn I remember the first 2 years I had my celica my insurance was $3500.
2002 celica gt
$1900 a year
Roadstar 43%
Immobilizer discount
Noone with under 10 years of driving can drive my car discount
I never dreamed of the day that my car insurance would be under $2000 so I'm happy as shit
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09-14-2009, 06:34 PM
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#169 | | RS has made me the bitter person i am today!
Join Date: Jan 2002 Location: Vancouver
Posts: 4,797
Thanked 347 Times in 131 Posts
Failed 88 Times in 29 Posts
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About how much more expensive is each million in liability? Any %?
how much more do you pay for 3mil compared to 1mil?
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09-14-2009, 09:44 PM
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#170 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
Thanked 178 Times in 101 Posts
Failed 6 Times in 4 Posts
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From say 1- 2 million its usually about $80 average. From 2-3 million, its usually about 30-50 more.... I usually tell my clients to do 3 million, because its only 30-50 more... to get the 3 million
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REVscene.net
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09-14-2009, 10:05 PM
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#171 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
Failed 1,106 Times in 390 Posts
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Originally Posted by Draft Right now I'm paying $230/month
2008 sentra SE-R
I think I'm only at 20% discount? | shit im paying the same amount as u are and i have 35% lol
and thats with $500 deductible too lol
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09-15-2009, 01:44 AM
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#172 | | I am Hook'd on RS
Join Date: Jul 2009 Location: computer
Posts: 58
Thanked 4 Times in 2 Posts
Failed 0 Times in 0 Posts
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5%(i think) discount
Basic Insurance, collision, comprehensive
G35 coupe
3400/year. fml
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09-15-2009, 08:43 AM
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#173 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
Thanked 178 Times in 101 Posts
Failed 6 Times in 4 Posts
| Quote:
Originally Posted by Milhouse So which one do you pay the least and which is the most?
to and from school/work within within 15km's
to and from school/work over within 15km's
for pleasure | The cheapest rate class is pleasure use only, then its to work/school within 15, then work/school over 15, and finally business use. However, if you are a delivery guy its the most expensive one..
For the pleasure/to/from work/business use, if there are no drivers with less 10 yrs in the same household, you can save a bit more money each yr.
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REVscene.net
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09-15-2009, 10:26 AM
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#174 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
Thanked 2,910 Times in 1,173 Posts
Failed 153 Times in 76 Posts
| Quote:
Originally Posted by taylor192 Where is that info? and please explain why I can get a quote from BCAA for $800 at 30yo and $400 at 40yo with the extra same driving record (8 years clean). | https://www.autorenewal.ca/claims_rated_scale.html | |
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09-15-2009, 01:30 PM
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#175 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
Failed 555 Times in 222 Posts
| Quote:
Originally Posted by unit | That's for the basic portion, find the info for the optional portion.
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