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09-15-2009, 01:31 PM
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#176 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
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Originally Posted by quasi  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? | We're debating semantics if you get basic and optional with ICBC, yet if you do, you're silly, cause ICBC optional was higher than every private insurer I got a quote from.
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09-15-2009, 11:39 PM
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#177 | | NEWBIE ACCOUNT!
Join Date: Feb 2007 Location: VANCOUVER
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i pay $330 per month, 2002 celica , 10% off
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09-15-2009, 11:40 PM
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#178 | | y'all better put some respeck on my name
Join Date: Dec 2002 Location: Vancouver
Posts: 18,431
Thanked 9,515 Times in 2,455 Posts
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I pay around $220/month for 2009 335i coupe.
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09-28-2009, 10:13 PM
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#179 | | NOOB, Not Quite a Regular!
Join Date: Oct 2005 Location: Vancouver
Posts: 36
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95 eagle talon. 180 a month with 15% off.
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09-29-2009, 01:53 AM
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#180 | | Need to Seek Professional Help
Join Date: Apr 2004 Location: Alpha Centauri
Posts: 1,017
Thanked 103 Times in 62 Posts
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300 a month for my corolla and the mustang.
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RS firearm expert
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09-29-2009, 08:19 AM
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#181 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
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| Quote:
Originally Posted by Jah Al Zawahiri I pay around $220/month for 2009 335i coupe. | damn that is cheap
im guessing u have 43% discount?
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09-29-2009, 09:51 AM
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#182 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,440
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| Quote:
Originally Posted by taylor192 That's for the basic portion, find the info for the optional portion. | what do you mean? theres an optional column next to the basic column.
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09-29-2009, 10:26 AM
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#183 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
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| Quote:
Originally Posted by unit what do you mean? theres an optional column next to the basic column. | Private insurers don't use this same claims rated scale. Get a 3 quotes for optional coverage from 3 different companies, I guarantee you they'll be different.
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09-29-2009, 10:50 AM
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#184 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
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Calculate the optional by adding the Higher TPL + Collision + Comprehensive and Roadstar or Roadside Plus coverages gives you the optional.
You can only go private with the optional coverages.
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REVscene.net
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09-29-2009, 11:14 AM
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#185 | | My homepage has been set to RS
Join Date: Apr 2005 Location: vancouver
Posts: 2,217
Thanked 811 Times in 274 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. | when i moved from ontario, my insurance payment in BC went down. that is even after 20% discount in ontraio (company benefits from TD insurance) Did you show icbc ur driver abstract from Ontario showing u have clean driving record? (ie. no tickets etc?) Quote:
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. | bros car got hit in the drive way, (he wasn't in the car: repaired) , got rear ended (he was stopped: car written off), and got hit in the parking lot, he was stopped.
they refused to cover him, and other places were asking for 5k +(stated he was high risk), thats ontario insurance.
its no fault insurace. so if u do get hit, ur insurace goes up regardless.
TRUST ME! i use to live in ontario, BC's public insurace system is 10x times better than private insurance in ONT.
Last edited by tool001; 09-29-2009 at 11:23 AM.
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09-29-2009, 02:49 PM
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#186 | | 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 tool001 when i moved from ontario, my insurance payment in BC went down. that is even after 20% discount in ontraio (company benefits from TD insurance) Did you show icbc ur driver abstract from Ontario showing u have clean driving record? (ie. no tickets etc?) | I was paying $1300 in Ontario for full coverage (15% discount for combined policy)
I'm now paying $1200 for just basic and liability (6 years clean, 30% discount)
The ony way you're paying less out here is if you were a bad driver in Ontario. Even at $1300/yr in Ontario I was paying more than I should have cause I had an accident 6 years ago. I should have been < $1000. Quote:
Originally Posted by tool001 bros car got hit in the drive way, (he wasn't in the car: repaired) , got rear ended (he was stopped: car written off), and got hit in the parking lot, he was stopped.
they refused to cover him, and other places were asking for 5k +(stated he was high risk), thats ontario insurance.
its no fault insurace. so if u do get hit, ur insurace goes up regardless. | You're wrong: No fault means your car gets fixed by your own insurance company. Fault is still assigned and premiums increase accordingly.
Insurance companies don't increase premiums unless you are found to be at fault. If you're telling the truth, he should have been 0% at fault in all 3 incidents, if they are not covering him, something is missing from your story. Quote:
Originally Posted by tool001 TRUST ME! i use to live in ontario, BC's public insurace system is 10x times better than private insurance in ONT. | For bad drivers it is.
- If you're a bad driver in Ontario you will get a super high quote for insurance or just denied.
- In BC you cannot be denied basic, no matter how bad a driver you are.
BC's system rewards bad drivers and punishes good drivers cause this is the left-coast, where driving is a social right, not a privilege.
Ontario's system rewards good drivers (my mother/father pay $500/yr insurance, full coverage, on 3 vehicles and a boat!) and punishes bad drivers with sky-high premiums. Some good drivers do get caught in the system and punished unfairly (my rates doubled with only 1 at-fault accident, here they'd only go up 25%).
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09-29-2009, 03:52 PM
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#187 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2005 Location: Vancouver
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^I think if you are found at fault, the insurnace goes up 6 steps, that's roughly 30%?
__________________ Quote:
Originally Posted by Fei-Ji haha i can taste the cum in my mouth | There is a time when you have to sig a post.
It just happened.
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09-29-2009, 03:56 PM
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#188 | | Willing to sell body for a few minutes on RS
Join Date: Mar 2002 Location: Victoria
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$1250 a year. Roadstar, 3 mil 3rd party.
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1968 Mustang Coupe
2008.5 Mazdaspeed 3
1997 GMC Sonoma ZR2
2014 F150 5.0L XTR 4x4
A vehicle for all occasions
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09-29-2009, 04:02 PM
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#189 | | :inoutugh:
Join Date: Feb 2008 Location: ඞ
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^^ My friend was at-fault in a minor accident. N driver. Insurance was to go up by 6 steps which is 75%. Meaning next year's insurance would be $6000ish/yr...
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09-29-2009, 05:07 PM
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#190 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
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| Quote:
Originally Posted by TOS'd ^^ My friend was at-fault in a minor accident. N driver. Insurance was to go up by 6 steps which is 75%. Meaning next year's insurance would be $6000ish/yr... | Check with ICBC whether or not the claim can be paid back..
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REVscene.net
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09-30-2009, 01:53 AM
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#191 | | I contribute to threads in the offtopic forum
Join Date: Nov 2001 Location: Vancouver
Posts: 2,746
Thanked 70 Times in 17 Posts
Failed 3 Times in 2 Posts
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3300/year 35% discount 2010 Subaru WRX
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09-30-2009, 02:17 AM
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#192 | | I contribute to threads in the offtopic forum
Join Date: Jul 2001 Location: ☺
Posts: 2,500
Thanked 150 Times in 59 Posts
Failed 190 Times in 70 Posts
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$980/year. unf unf unf.
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09-30-2009, 10:03 AM
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#193 | | My homepage has been set to RS
Join Date: Apr 2005 Location: vancouver
Posts: 2,217
Thanked 811 Times in 274 Posts
Failed 170 Times in 63 Posts
| Quote:
Originally Posted by taylor192 I was paying $1300 in Ontario for full coverage (15% discount for combined policy)
I'm now paying $1200 for just basic and liability (6 years clean, 30% discount)
. | all i have to say is go to wikipedia and read the full discription on no-fault insurance. (full) ull know what i mean, when i say 'even if ur not at fault, ur insurnace goes up'
as i said, i had a clean record in ont, and i was able to show that, therefore got proper discount in BC, and insurance was less than toronto. you know that factors like where u live in the city does effect ur insurance? I guess you already didn't have a clean record in ONT. (as per ur own admission) so ur insurance here was not cheap.
how are you saying that BC rewards bad drivers... when just above u can see examples of people who are paying through the nose for causing "at fault" accident?
Last edited by tool001; 09-30-2009 at 10:10 AM.
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09-30-2009, 10:25 AM
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#194 | | 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 wouwou ^I think if you are found at fault, the insurnace goes up 6 steps, that's roughly 30%? | Read the claims rates scale, it goes up in different increments depending on your current discount.
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09-30-2009, 10:43 AM
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#195 | | 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 tool001 all i have to say is go to wikipedia and read the full discription on no-fault insurance. (full) ull know what i mean, when i say 'even if ur not at fault, ur insurnace goes up' | I don't need to go to Wikipedia, I've had a 100% at-fault accident and a 0% at-fault accident. I've dealt with the system and am telling you that you are WRONG.
There might be a reason your username is "tool". Quote:
Originally Posted by tool001 as i said, i had a clean record in ont, and i was able to show that, therefore got proper discount in BC, and insurance was less than toronto. | How about you post what you were paying? I did, its hard to argue with numbers. There are only a handful of people on here reporting that they pay < $1300 for full coverage.
Were you paying > $1300 in Toronto? If you were, with a clean record, you should have shopped around cause you were getting screwed. I drive a 2dr car classified as a sports car with declared mods, and still only paid $1300 with full coverage. Quote:
Originally Posted by tool001 I guess you already didn't have a clean record in ONT. (as per ur own admission) so ur insurance here was not cheap. | Since you know insurance so well, you'd know that Ontario insurance essentially only goes back 6 years, thus the 6 "star" rating on your insurance. I had just gotten my 6 star rating back before I moved, so my insurance was cheap in Ontario - cause like I said, Ontario rewards good drivers. Quote:
Originally Posted by tool001 how are you saying that BC rewards bad drivers... when just above u can see examples of people who are paying through the nose for causing "at fault" accident? | Reread my example, you obviously did not understand it.
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09-30-2009, 11:54 AM
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#196 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
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Originally Posted by What_the? 3300/year 35% discount 2010 Subaru WRX |
holly shit thats expensive
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09-30-2009, 08:56 PM
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#197 | | I contribute to threads in the offtopic forum
Join Date: Nov 2001 Location: Vancouver
Posts: 2,746
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^yea... didn't realize it'd be so bad until i bought the car... damn hahaha
next time will check insurance before buying
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09-30-2009, 09:53 PM
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#198 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
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its ok u can afford STi
this is nth   | |
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10-07-2009, 04:37 PM
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#199 | | I STILL don't get it
Join Date: Aug 2002 Location: vancouver
Posts: 494
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I pay 1300 for the year...i just renewed last week
1994 civic
full coverage, 300 deductible and 3 mil liability
43% discount
10 year driver discount as well
i guess im lucky sorta, but still seems odd that insurance per year costs more than the value of my car.
On a side note, does anyone know if insuring a second car would be cheaper? Any help would be great. Im thinking of getting a summer car.
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what??
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10-07-2009, 06:06 PM
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#200 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
Thanked 178 Times in 101 Posts
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Originally Posted by ultra_man99 I pay 1300 for the year...i just renewed last week
1994 civic
full coverage, 300 deductible and 3 mil liability
43% discount
10 year driver discount as well
i guess im lucky sorta, but still seems odd that insurance per year costs more than the value of my car.
On a side note, does anyone know if insuring a second car would be cheaper? Any help would be great. Im thinking of getting a summer car. | The insurance on the second car will likely to follow your current discount on your current vehicle, unless you have had at faults claims in the past that didn't affect you in the past.
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