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02-25-2011, 08:17 PM
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#1 | | RS controls my life!
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| How much do you pay for car insurance a year?
How much do you pay for your car insurance for a year?
Also, are annual insurance rates generally more cheaper in USA, HK, and Taiwan than ICBC?
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02-25-2011, 08:19 PM
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#2 | | I want to be a person and not an icon.
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An arm and a leg
Last edited by Vale46Rossi; 02-26-2011 at 03:11 AM.
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02-25-2011, 09:27 PM
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#3 | | Wanna have a threesome?
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There's another thread about this with numerous responses. I pay close to $5200 for my Civic with a 40% surcharge. Posted via RS Mobile | |
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02-25-2011, 09:32 PM
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#4 | | 【=◈︿◈=】
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Originally Posted by StevenDuang  An arm an a leg | ^ this
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02-25-2011, 09:33 PM
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#5 | | WOAH! i think Vtec just kicked in!
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$3500 for my AWD
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02-25-2011, 09:35 PM
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#6 | | Wunder? Wonder?? Wander???
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About $1300 for my Accord. One great thing about keeping a car for a long time is that it gets cheaper and cheaper every year to operate it.  | |
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02-25-2011, 10:00 PM
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#7 | | Head Moderator
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Originally Posted by MindBomber There's another thread about this with numerous responses. I pay close to $5200 for my Civic with a 40% surcharge. Posted via RS Mobile | 
WTF?
I'm at $1800 for my Accord, every option picked and maxed. 43% discount.
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02-25-2011, 10:04 PM
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#8 | | RS controls my life!
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about 21XX for ITR 25% off
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02-25-2011, 10:09 PM
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#9 | | & Associates Inc.
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| Quote:
Originally Posted by MindBomber There's another thread about this with numerous responses. I pay close to $5200 for my Civic with a 40% surcharge. Posted via RS Mobile | Quote:
Originally Posted by Lomac
WTF?
I'm at $1800 for my Accord, every option picked and maxed. 43% discount. | That 40% surcharge fucking sucks..i pay $5500 a year, going down to 30% this april  and it sucks having to work your way down to 43% discount
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02-25-2011, 10:18 PM
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#10 | | I help report spam so I got this! <--
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Originally Posted by Milhouse How much do you pay for your car insurance for a year?
Also, are annual insurance rates generally more cheaper in USA, HK, and Taiwan than ICBC? | The states: All else equal, it's cheaper depends on the area you drive (if the area has a history of high claims rate, you'll pay a lot more than ones who does not).
I'm paying ICBC $1500 for 2M liabilities. 03 Celica.
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02-25-2011, 11:19 PM
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#11 | | RS controls my life!
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Originally Posted by MindBomber There's another thread about this with numerous responses. I pay close to $5200 for my Civic with a 40% surcharge. Posted via RS Mobile | Yeah, but that thread is pretty old. We need an updated thread.
$5200 is quite a lot. That can buy a decent 2nd hand car for one years insurance. Ever thought of just taking transit so your CRS can drop first?
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02-25-2011, 11:37 PM
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#12 | | I *heart* Revscene.net very Muchie
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I heard this somewhere. If you don't insure a car under your name, your discount will not increase. Anyone can confirm?
Last edited by flagella; 02-26-2011 at 12:09 AM.
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02-25-2011, 11:41 PM
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#13 | | RS has made me the bitter person i am today!
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Originally Posted by Milhouse How much do you pay for your car insurance for a year?
Also, are annual insurance rates generally more cheaper in USA, HK, and Taiwan than ICBC? | ICBC is a crown corporation (owned by Gov't) so its the ONLY option for car insurance in BC. Naturally if there is a monopoly on something, prices are going to be higher than if there were multiple car insurance companies.
thats why insurance in the states are going to be significantly cheaper in most cases. Also, there are far more Americans taking out policies that just meet their states minimum coverage compared to canadians who buy "basic autoplan coverage" without any additional coverage. As for HK and Taiwan I have no idea.
1900/yr for 90 240sx, 15% discount
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02-25-2011, 11:46 PM
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#14 | | Rs has made me the man i am today!
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$2000/year for my 03 WRX with 35% discount, 2M 3rd party liability, 300 dedecutible..etc.
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02-25-2011, 11:53 PM
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#15 | | Ready to be Man handled by RS!
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A few questions. How much price difference is there between broker to broker?
I notice so many people buy the minimum deductible of 300$, but imo, doesn't it make more sense to just get like 1000 to 2000$ deductible since it's always better to just pay for the damage yourself and not make an ICBC claim since it's going to screw your ratings anyways?
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02-25-2011, 11:58 PM
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#16 | | RS has made me the bitter person i am today!
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Originally Posted by pk_volt A few questions. How much price difference is there between broker to broker?
I notice so many people buy the minimum deductible of 300$, but imo, doesn't it make more sense to just get like 1000 to 2000$ deductible since it's always better to just pay for the damage yourself and not make an ICBC claim since it's going to screw your ratings anyways? |
None. Prices are set according to scales set by ICBC Autoplan according to car type, coverage, and discount rates. not individual brokers.
For your second question, $300 dollars is a lot easier to come up with if your in a pinch to fix your car compared to $1000 dollars. Short term cost of fixing your car vs. long term cost of a low-deductible policy.
Also unless your at-fault, your 'ratings' (by which i assume you mean 'discount rate') does not change. If you meant accident history though, yeah it will be if you claim it.
Last edited by Qmx323; 02-26-2011 at 12:04 AM.
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02-26-2011, 12:19 AM
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#17 | | Need to Seek Professional Help
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Originally Posted by flagella I heard this somewhere. If you don't insure a car under your name, your discount will not increase. Anyone can confirm? | Not true. Discount starts as soon as you receive your license. You don't have to insure a vehicle for it to start.
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02-26-2011, 12:32 AM
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#18 | | I'm invisible
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Make sure to get your broker to call icbc to confirm your dl start date Posted via RS Mobile | |
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02-26-2011, 12:46 AM
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#19 | | what manner of phaggotry is this
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my F150 with full coverage for full business use is $1350
my Grand Cherokee with full coverage for full business use is $1500
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02-26-2011, 01:13 AM
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#20 | | My homepage has been set to RS
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1992 240sx with basic and 2m liability with 20% discount...cost around $1500
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95 325IS - alt dd
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02-26-2011, 01:34 AM
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#21 | | Need to Seek Professional Help
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| Quote:
Originally Posted by pk_volt A few questions. How much price difference is there between broker to broker?
I notice so many people buy the minimum deductible of 300$, but imo, doesn't it make more sense to just get like 1000 to 2000$ deductible since it's always better to just pay for the damage yourself and not make an ICBC claim since it's going to screw your ratings anyways? | Quote:
Originally Posted by Qmx323 None. Prices are set according to scales set by ICBC Autoplan according to car type, coverage, and discount rates. not individual brokers.
For your second question, $300 dollars is a lot easier to come up with if your in a pinch to fix your car compared to $1000 dollars. Short term cost of fixing your car vs. long term cost of a low-deductible policy.
Also unless your at-fault, your 'ratings' (by which i assume you mean 'discount rate') does not change. If you meant accident history though, yeah it will be if you claim it. | When I moved here last year to insure my car, there was about $100 difference in quotes from place to place. One quoted me at 17xx, another at 16xx, and finally, i settled at just under 1600
Also, 98 civic at just under 1600 for just 1mil coverage on 10% disc.
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02-26-2011, 03:21 AM
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#22 | | RS Veteran
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Originally Posted by RRxtar my F150 with full coverage for full business use is $1350
my Grand Cherokee with full coverage for full business use is $1500 | The pearls of living outside the Lower Mainland. 
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Originally Posted by BIC_BAWS I literally do not plan on buying another vehicle in my lifetime, assuming it doesn't get written off. | | |
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02-26-2011, 07:24 AM
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#23 | | My homepage has been set to RS
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$2400 for my 2010 Suzuki SX4 with AWD.
I use it to drive to work.
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Electrician.
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02-26-2011, 07:36 AM
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#24 | | Need to Seek Professional Help
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$3000 for a 01 325i with 15% discount. insured for work and pleasure
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02-26-2011, 07:57 AM
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#25 | | I don't get it
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i was paying $1600 in BC.
i am paying $300 in Quebec. ridiculous cheap, but this is basic insurance only as it's a beater. if i wanted the full coverage it would have been close to $800, but thats still 50% less than what i paid in BC. ICBC is a major rip off.
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