| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
 | | 
10-07-2009, 06:10 PM
|
#201 | | 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 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. | I don't think buying another car would make insurance cheaper. I think your 43% discount and 10 year experience discount is like the MAXXXX you can get out of ICBC.
| 
|  | |
10-07-2009, 06:15 PM
|
#202 | | Revscene.net has a homepage?!
Join Date: Dec 2003 Location: Richmond
Posts: 1,231
Thanked 142 Times in 79 Posts
Failed 59 Times in 17 Posts
|
2004 Acura TSX
$1851 per year.
-35% off
Damn, after reading what some of you guys pay, I feel pretty good bout what I'm paying!
| |
| | |
10-07-2009, 11:34 PM
|
#203 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Feb 2006 Location: vancouver
Posts: 1,810
Thanked 736 Times in 167 Posts
Failed 175 Times in 39 Posts
|
2000 prelude
about $2300/yr
if only ppl in coupes didn't crash !
| |
| | |
10-08-2009, 12:45 AM
|
#204 | | VLS Moderator
Join Date: Feb 2003 Location: Vancouver
Posts: 16,351
Thanked 2,591 Times in 832 Posts
Failed 61 Times in 19 Posts
|
2005 Prius
$143/month
-43% + 10 year safe driving experience thingy
__________________
2007 Volvo V50
Taken by ex: 2005 Toyota Prius.
R.I.P. 1997 Lexus ES300. 
R.I.P. 1989 Acura Legend Coupe LS.
| |
| | |
10-08-2009, 01:10 AM
|
#205 | | I *heart* Revscene.net very Muchie
Join Date: Dec 2007 Location: Shanghai
Posts: 3,561
Thanked 888 Times in 350 Posts
Failed 356 Times in 87 Posts
|
1978 datsun 280z
$80 a month
roadstar discount
__________________
yolo | |
| | |
10-08-2009, 08:09 AM
|
#206 | | 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 shenmecar I don't think buying another car would make insurance cheaper. I think your 43% discount and 10 year experience discount is like the MAXXXX you can get out of ICBC. | they should make it 50% discount as max
makes more sense
fuck Americans insurance is like dirt cheap
| |
| | |
10-08-2009, 09:24 AM
|
#207 | | I STILL don't get it
Join Date: Aug 2002 Location: vancouver
Posts: 494
Thanked 0 Times in 0 Posts
Failed 0 Times in 0 Posts
| Quote:
Originally Posted by shenmecar I don't think buying another car would make insurance cheaper. I think your 43% discount and 10 year experience discount is like the MAXXXX you can get out of ICBC. | I just thought that there is a chance, since it would be impossible for me to be driving two cars at the same time.
The second car would be like a weekend car only.
Thanks for your input.
__________________
what??
| |
| | |
10-08-2009, 02:11 PM
|
#208 | | 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 J____ 1978 datsun 280z
$80 a month
roadstar discount | $960/year???  | |
| | |
10-08-2009, 03:34 PM
|
#209 | | 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
|
new insurence is...
2000 celica gts
$2,651
20% discount
| |
| | |
10-08-2009, 03:37 PM
|
#210 | | Need to Seek Professional Help
Join Date: Jun 2006 Location: 604
Posts: 1,049
Thanked 160 Times in 80 Posts
Failed 84 Times in 14 Posts
| Quote:
Originally Posted by ultra_man99 I just thought that there is a chance, since it would be impossible for me to be driving two cars at the same time.
The second car would be like a weekend car only.
Thanks for your input. | Generally one doesn't get a discount for a second car, but if your second car is eligible for collector plates you can get a substantially discounted rate.
| |
| | |
10-08-2009, 04:24 PM
|
#211 | | F**K YOUR HEAD
Join Date: Apr 2009 Location: vancouver
Posts: 8,718
Thanked 8,153 Times in 1,251 Posts
Failed 643 Times in 181 Posts
| Quote:
Originally Posted by J____ 1978 datsun 280z
$80 a month
roadstar discount | Is that just third party?
That's just a little less than what I'm paying for my 300zx "roadstar" :P
but only 3 million I think and no comprehensive
| |
| | |
10-08-2009, 09:00 PM
|
#212 | | Rs has made me the woman i am today!
Join Date: Oct 2001 Location: Here! n There!
Posts: 4,149
Thanked 498 Times in 222 Posts
Failed 121 Times in 59 Posts
|
i pay 91 bux a month now...
basic comprehensive only
roadstar
i should increase my deductible to get it a little bit lower
94 accord
__________________
Go Canucks Go!
| |
| | |
10-08-2009, 09:25 PM
|
#213 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2005 Location: Vancouver
Posts: 6,044
Thanked 315 Times in 149 Posts
Failed 53 Times in 33 Posts
|
2004 Infiniti G35 Coupe
500 comp
500 other one (forgot what it was lol)
2 million liability
20% discount
29xx a year.
__________________ 1996 Honda Accord 1995 Nissan 240sx 2004 Infiniti G35 2005 Honda Jazz BuySell Feedback Quote: |
"It's called Sex Panther by Odeon. It's illegal in nine countries... Yep, it's made with bits of real panther, so you know it's good ... They've done studies, you know. 60% of the time it works, every time. "
| | |
| | |
10-09-2009, 09:08 AM
|
#214 | | 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 ultra_man99 i guess im lucky sorta, but still seems odd that insurance per year costs more than the value of my car. | Then why are you paying for full coverage? You could easily knock $500 off by declining collision and comprehensive. Quote:
Originally Posted by ultra_man99 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. | In BC your car is insured, not you. Thus ICBC cannot guarantee they can give you 2 policies and both cars won't be driven.
Its frustrating cause in every other province adding a second car is easy and cheap.
| |
| | |
10-09-2009, 02:33 PM
|
#215 | | I *heart* Revscene.net very Muchie
Join Date: Dec 2007 Location: Shanghai
Posts: 3,561
Thanked 888 Times in 350 Posts
Failed 356 Times in 87 Posts
| Quote:
Originally Posted by ilvtofu Is that just third party?
That's just a little less than what I'm paying for my 300zx "roadstar" :P
but only 3 million I think and no comprehensive | That's without collision and 2 million. Everything else is there. No point having collision, if i get in an accident they're goin to write it off and lowball me $1000 anyway haha. Quote:
Originally Posted by shenmecar $960/year??? | thats about right. always under $1000 unless i put on collision.
__________________
yolo | |
| | |
10-09-2009, 03:13 PM
|
#216 | | 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
|
what!? my car and a 04 g35 is the same!?
| |
| | |
10-12-2009, 06:22 PM
|
#217 | | RS has made me the bitter person i am today!
Join Date: Jul 2007 Location: ♠
Posts: 4,847
Thanked 693 Times in 249 Posts
Failed 339 Times in 75 Posts
|
05 G35
new owner
3.8
__________________ Quote:
Originally Posted by Outreach Fuck your Mother, chump. | | |
| | |
10-12-2009, 10:12 PM
|
#218 | | 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
|
How come some people don't need liability? Isn't that important?
Is there a law that you're supposed to carry a minimum amount of Third-Party Liability coverage?
How much do you save per year without liability?
Last edited by Amuse; 10-12-2009 at 10:18 PM.
| |
| | |
10-12-2009, 11:46 PM
|
#219 | | I contribute to threads in the offtopic forum
Join Date: Mar 2008 Location: Van.
Posts: 2,929
Thanked 1,967 Times in 290 Posts
Failed 536 Times in 92 Posts
|
2005 Acura TL
$1865/year @ 43% discount
__________________
RIP JN
UNCE UNCE UNCE! Quote:
Originally Posted by strykn Comparing A&B with deadmau5? Really? I should fucking slap you | 2007 Acura TL 2005 Acura TL....RIP 2003 Honda Accord Coupe V6....RIP | |
| | |
10-13-2009, 09:09 AM
|
#220 | | 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 Amuse How come some people don't need liability? Isn't that important?
Is there a law that you're supposed to carry a minimum amount of Third-Party Liability coverage?
How much do you save per year without liability? | Liability is for when you hit someone and paralyze/kill/... them, then they sue for lost earnings compensation for the rest of their life which could easily be $Ms.
ICBC Basic provides limited liability of $300K, so this is the minimum by law. IMHO it is not enough, $1-3M is better and only costs $150-200 more/yr.
You'll notice I'll gamble on my car by not taking comprehensive or collision, yet won't gamble on this. Someone rightfully pointed out the chances of having an accident this severe is nill, yet its not a risk I can afford to take. I can fix my car or buy a new car, it'll suck yet $10-20K is affordable. I cannot pay a family $2M if I kill one of their family members.
| |
| | |
10-13-2009, 09:17 AM
|
#221 | | 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 taylor192 Liability is for when you hit someone and paralyze/kill/... them, then they sue for lost earnings compensation for the rest of their life which could easily be $Ms.
ICBC Basic provides limited liability of $300K, so this is the minimum by law. IMHO it is not enough, $1-3M is better and only costs $150-200 more/yr.
You'll notice I'll gamble on my car by not taking comprehensive or collision, yet won't gamble on this. Someone rightfully pointed out the chances of having an accident this severe is nill, yet its not a risk I can afford to take. I can fix my car or buy a new car, it'll suck yet $10-20K is affordable. I cannot pay a family $2M if I kill one of their family members. | Just to correct, its $200,000 TPL for basic which is standard in every basic policy
__________________
REVscene.net
| |
| | |
10-15-2009, 10:45 AM
|
#222 | | I *heart* Revscene.net very Muchie
Join Date: May 2001 Location: Vancouver
Posts: 3,922
Thanked 304 Times in 155 Posts
Failed 116 Times in 29 Posts
| Quote:
Originally Posted by taylor192 Liability is for when you hit someone and paralyze/kill/... them, then they sue for lost earnings compensation for the rest of their life which could easily be $Ms.
ICBC Basic provides limited liability of $300K, so this is the minimum by law. IMHO it is not enough, $1-3M is better and only costs $150-200 more/yr. | Liability also extends to property damage you may cause, as well as to your passengers, not just those you hit.
Don't mess around - get a lot of liability insurance.
| |
| | |
10-15-2009, 10:50 AM
|
#223 | | The Brown Reason
Join Date: Jan 2007 Location: Whalley
Posts: 4,607
Thanked 5,863 Times in 1,525 Posts
Failed 221 Times in 97 Posts
|
1800/year for a 2004 jeep grand cherokee overland .. thats with 43% discount, $200 deductible
__________________ Quote: |
Originally Posted by bcrdukes fuck this shit, i'm out | | |
| | |
10-15-2009, 11:08 AM
|
#224 | | Revscene.net has a homepage?!
Join Date: Jun 2004 Location: Vancouver
Posts: 1,206
Thanked 188 Times in 83 Posts
Failed 148 Times in 32 Posts
|
03 IS300 @ 35% dis $500 deduct = $1900
| |
| | |
10-15-2009, 03:16 PM
|
#225 | | Rs has made me the woman i am today!
Join Date: Feb 2006 Location: Vancouver
Posts: 4,054
Thanked 62 Times in 23 Posts
Failed 3 Times in 2 Posts
| Quote:
Originally Posted by tonyvu 2005 Acura TL
$1865/year @ 43% discount | Must be nice having your parents paying. hahaa
My insurance rate is fucked for the time being. I got into an accident, so it's +30% surcharge. I should get a 5% discount upcoming year, then hopefully in 2 years I'll be back to where I was before. 92 civic, $3000. LOL
| |
| | | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 02:15 PM.
|
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
