| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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04-20-2009, 11:35 AM
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#1 | | F**K YOUR HEAD
Join Date: Apr 2009 Location: vancouver
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| Basic Insurance Rates?
Hey everyone, just wondering how much the basic (down to the bone) insurance rate is?
ICBC doesn't show pricing but they say its affected by location
So how much is the lowest price just to legally drive your car in vancouver?
neone know wether you can just insure your car somewhere else in BC? ie. salt spring? bowen? etc. places that are cheaper in terms of insurance because of lower traffic?
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04-20-2009, 11:48 AM
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#2 | | RS has made me the bitter person i am today!
Join Date: May 2005 Location: 604
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it depends on what car you drive. different car, different rates. easiest way is to go to a local insurance place and ask for a quote, is usually 99% free.
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04-20-2009, 11:48 AM
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#3 | | I *heart* Revscene.net very Muchie
Join Date: May 2001 Location: Burnaby, BC
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Basic rate for you is going to be different than others, based on your discount... how long you've been driving, number of accidents, etc. It's also going to matter what kind of car, year, model, options, etc. A 1985 Honda Civic is much less to insure than a 2000 Mercedes CLK500 convertible.
For example, I have Roadstar and have been driving accident-free for 15+ years. I get a 43% discount on the basic rates. I pay $80 a month for my 1998 Cavalier Z24 with full coverage.
Insuring your car somewhere other than where you live is fraud, and ICBC *will* catch you. Don't bother.
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Don't be the next RS.net statistic - If you drink, don't drive. You'll lose your licence, and the rest of us will laugh at you.
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04-20-2009, 03:45 PM
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#4 | | F**K YOUR HEAD
Join Date: Apr 2009 Location: vancouver
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anyone on revscene who's using this basic basic insurance and want to share?
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04-20-2009, 03:57 PM
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#5 | | Everyone wants a piece of R S...
Join Date: Jan 2006 Location: vancouver
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| Quote:
Originally Posted by ilvtofu  anyone on revscene who's using this basic basic insurance and want to share? | Its different for everyone. Like above said.
Even if people did share with you it wouldn't be relevant.
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04-20-2009, 04:08 PM
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#6 | | They let me be a moderator. LOL
Join Date: Oct 2004 Location: Vancouver
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There is no basic basic insurance.
Each car starts at a different base.
Each Location starts at a different base.
Housing has another base.
Coverage
Year
Liability
Choose a car, pick up the phone, and call an insurance place.
Say hello.
Ask them how they're doing.
Inquire about a quote on a certain vehicle.
Give them your drivers license number.
interact and discuss the coverage you will require.
Wait.
Get the quote.
Say thank you.
Hang up.
Then do one or more of the following:
Ask mommy for money because you're too broke to afford it.
Ask daddy for money because you're too broke to afford it.
End up with a cheaper car because you're too broke to afford insurance on that BMW or Benz you wanted.
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04-20-2009, 06:54 PM
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#7 | | straight from the fields of squamton
Join Date: Jul 2003 Location: Grande Prairie
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^^^
or ask mommy or daddy to insure vehicle under their name because it's cheaper!!
then we wait for the thread in 3 months "totalled my car under parents insurance! ICBC trying to screw me over"
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2013 Mazdaspeed 3
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04-20-2009, 07:27 PM
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#8 | | Marcosexual Fan Club, CEO
Join Date: Jun 2005 Location: US Bush-country
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People like you should be riding public transit. It's real cheap and the rest of us drivers are subsidizing your trips.
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Poor is the man whose pleasures depend on the permission of another.
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04-20-2009, 08:36 PM
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#9 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2006 Location: Vancouver
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well my insurance is $230 a month with 10% discount since i only have my N and it's a '93 240SX but yours will be different
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04-20-2009, 08:42 PM
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#10 | | Media Officer / MOD
Join Date: Apr 2001 Location: vancouver
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^ ouch!
99 accord 4 door ex-l @ 160 a month
03 accord 2 door ex-l @ 140 a month
@25% discount
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04-20-2009, 10:09 PM
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#11 | | Driving around in circles
Join Date: Apr 2002 Location: Richmond
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Lowest price to legally drive your car would be around $1300 per year
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04-20-2009, 10:54 PM
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#12 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
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It all depends on the type of coverages, type of car, location (postal code), discount and usage. These are the basic questions that I ask customers when they call for a rate quote.
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REVscene.net
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04-20-2009, 11:01 PM
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#13 | | RS controls my life!
Join Date: Mar 2008 Location: 604
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| Quote:
Originally Posted by JSALES well my insurance is $230 a month with 10% discount since i only have my N and it's a '93 240SX but yours will be different | Thats chicken shit. Mine is full coverage to the max and its 350 a month 98 prelude with a N . im getting fucked by icbc.
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04-20-2009, 11:07 PM
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#14 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Jan 2006 Location: Abbotstan
Posts: 20,721
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| Quote:
Originally Posted by 1990TSI ^^^
or ask mommy or daddy to insure vehicle under their name because it's cheaper!!
then we wait for the thread in 3 months "totalled my car under parents insurance! ICBC trying to screw me over" | True story!
__________________ Quote:
Originally Posted by Godzira Does anyone know how many to a signature? | ..
Quote:
Originally Posted by Brianrietta Not a sebberry post goes by where I don't frown and think to myself "so..?" | | |
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04-20-2009, 11:10 PM
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#15 | | Even when im right, revscene.net is still right!
Join Date: Sep 2007 Location: richmond
Posts: 1,381
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| Quote:
Originally Posted by 1990TSI ^^^
then we wait for the thread in 3 months "totalled my car under parents insurance! ICBC trying to screw me over" | I lol'ed
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04-20-2009, 11:13 PM
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#16 | | MiX iT Up!
Join Date: May 2006 Location: vancouver
Posts: 8,137
Thanked 2,069 Times in 867 Posts
Failed 642 Times in 183 Posts
| Quote:
Originally Posted by SpuGen There is no basic basic insurance.
Each car starts at a different base.
Each Location starts at a different base.
Housing has another base.
Coverage
Year
Liability
Choose a car, pick up the phone, and call an insurance place.
Say hello.
Ask them how they're doing.
Inquire about a quote on a certain vehicle.
Give them your drivers license number.
interact and discuss the coverage you will require.
Wait.
Get the quote.
Say thank you.
Hang up.
Then do one or more of the following:
Ask mommy for money because you're too broke to afford it.
Ask daddy for money because you're too broke to afford it.
End up with a cheaper car because you're too broke to afford insurance on that BMW or Benz you wanted. | Bingo Bango Bongo , SPUGEN is a HERO!
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Sometimes we tend to be in despair when the person we love leaves us, but the truth is, it's not our loss, but theirs, for they left the only person who couldn't give up on them.
Make the effort and take the risk..
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04-20-2009, 11:16 PM
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#17 | | RS controls my life!
Join Date: Mar 2008 Location: 604
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spugen is right most people out there are using there parents insurance which is fucked to begin with. I bet some of these people are lurking around RS even
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04-20-2009, 11:32 PM
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#18 | | Banned (ABWS)
Join Date: Oct 2006 Location: Richmond
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| Quote:
Originally Posted by WilsonSo13 Thats chicken shit. Mine is full coverage to the max and its 350 a month 98 prelude with a N . im getting fucked by icbc. | LOL
mine is full coverage to the max, $370 a month and thats WITH a +40% surcharge.
you are getting owned, but it's a 2door coupe with N what do you expect.
and yes, i know it's hypocritical for me say you're getting owned lol *tear
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04-21-2009, 01:06 AM
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#19 | | Ye olde moderator
Join Date: Nov 2000 Location: Vancouvwhore
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Those 5th gen Preludes are one of the most expensive vehicles to insure. Not a great choice if you are at high risk (surcharge insurance).
I have a 350Z. Safe driver for 20 years. 43% discount. $137.5 a month with pretty heavy coverage.
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Revscene ADMIN elite
Sales and Installer at Certified Auto Sound
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04-21-2009, 03:46 AM
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#20 | | They let me be a moderator. LOL
Join Date: Oct 2004 Location: Vancouver
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I don't even remember what I have for coverage, but if it counts.
$291/month
95 Lexus SC400 20% discount
And Storage is like $30 a month or something
Or $30 a year. I don't remember.
I have 2 cars as storage though haha
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04-21-2009, 06:48 AM
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#21 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Jan 2006 Location: Abbotstan
Posts: 20,721
Thanked 12,136 Times in 3,361 Posts
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| Quote:
Originally Posted by orgasm_donor Those 5th gen Preludes are one of the most expensive vehicles to insure. | Mostly because they're one of the highest risks for theft - insurance rates aren't just based on how fast the car is or how stupid the drivers are.
__________________ Quote:
Originally Posted by Godzira Does anyone know how many to a signature? | ..
Quote:
Originally Posted by Brianrietta Not a sebberry post goes by where I don't frown and think to myself "so..?" | | |
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04-21-2009, 07:57 AM
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#22 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
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| Quote:
Originally Posted by orgasm_donor I have a 350Z. Safe driver for 20 years. 43% discount. $137.5 a month with pretty heavy coverage. | Ouch, I was paying $110/mn when I left Ontario and even that was high cause I still had an accident on my record from 5 years ago.
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04-21-2009, 11:26 AM
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#23 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2006 Location: Vancouver
Posts: 12,074
Thanked 3,186 Times in 929 Posts
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| Quote:
Originally Posted by aznboi128 ^ ouch!
99 accord 4 door ex-l @ 160 a month
03 accord 2 door ex-l @ 140 a month
@25% discount | yeah it's quite a bit, my parents don't wanna insure it under their name because they think if i have my own car, i should take responsibility for it even though i'm only 18
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04-21-2009, 11:36 AM
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#24 | | Media Officer / MOD
Join Date: Apr 2001 Location: vancouver
Posts: 28,077
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^ OUCH!
lol i just dont understand how 18yrolds can afford the car AND the insurance under a N licence
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04-21-2009, 11:41 AM
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#25 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2006 Location: Vancouver
Posts: 12,074
Thanked 3,186 Times in 929 Posts
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well i have a part time job, maybe close to half my paycheque would cover insurance. that's still not including gas and other shit. it sucks
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