| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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10-11-2019, 01:05 PM
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#526 | | 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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Originally Posted by 68style  ftfy | | 
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10-25-2019, 12:28 AM
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#527 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
| Quote:
Originally Posted by trollface Or their moronic operations. Brand new, HUGE offices with tons of staff to do trivial shit like renew licenses. Has anyone renewed recently? Do you think you are unable to handle that if it was done online?
Paying massive commissions to brokers to click a few buttons to get an insurance sticker. Stupid.
Said it once before but it's important to understand how retarded this is. I can take a picture of myself eating sushi at Richmond Sushi, submit my picture online and renew my gun licenses on my phone while eating a phat ass Salmon roll.
A license which I can then use to go online and buy a huge shotgun and have Canada post deliver it to my door. It's 2020 in a few months and we still need MASSIVE offices like the one in Landsdowne and thousands of insurance brokers taking a cut to give me a god damn 2inch sticker. If this was any normal business, that shit would be the first to go and lop a massive chunk off your overhead.
It's like the exact opposite of Six Sigma. | I saw this on reddit, and thought of what you said here. 
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__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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10-25-2019, 06:03 AM
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#528 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
Thanked 3,890 Times in 1,016 Posts
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Cause icbc is run by morons that don't actually care about the company or customers, just their paycheques and keeping their buddies paid. Anyone with two braincells could have come up with this idea.
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10-25-2019, 08:30 AM
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#529 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,111
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
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10-25-2019, 08:33 PM
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#530 | | Everyone wants a piece of R S...
Join Date: Sep 2017
Posts: 352
Thanked 236 Times in 111 Posts
Failed 12 Times in 2 Posts
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My insurance premiums went up by ~$400. 11 years experience, 0 accidents. I ended up reducing my coverage, and added a secondary driver and it ended up costing around the same as next year...
I have yet to hear anyone who has come out on top under the new system. At best, they're only paying slightly more.
Last edited by jaaagman; 10-25-2019 at 09:12 PM.
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10-25-2019, 10:15 PM
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#531 | | 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
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took my car from storage and ended up paying about $200 less a year from previous year
and i normally buy my optional from private cuz ICBC was hella expensive
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10-30-2019, 05:21 PM
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#532 | | My dinner reheated before my turbo spooled
Join Date: Mar 2011 Location: NYC
Posts: 1,709
Thanked 1,556 Times in 565 Posts
Failed 57 Times in 15 Posts
| https://globalnews.ca/news/6097591/f...lding-in-2015/
Looks like there's some controversy surrounding an ICBC technical training facility in Burnaby & the ARA (Automotive Retailer Association?) of BC.
Anyone know more about this? | 
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10-30-2019, 06:06 PM
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#533 | | I subscribe to Revscene
Join Date: Mar 2005 Location: Vancouver
Posts: 1,907
Thanked 5,028 Times in 1,142 Posts
Failed 16 Times in 14 Posts
| Quote:
Originally Posted by jaaagman My insurance premiums went up by ~$400. 11 years experience, 0 accidents. I ended up reducing my coverage, and added a secondary driver and it ended up costing around the same as next year...
I have yet to hear anyone who has come out on top under the new system. At best, they're only paying slightly more. | just a friendly pg 22 reminder that regardless of whether the system itself changed this year or not, you were going to pay 6.5%(?) more than last year.
If your insurance cost stayed about the same as last year you have benefited under the new system.
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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10-30-2019, 09:03 PM
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#534 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,111
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
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yeah but my risk lowered (longer history) and my econobox is worth less
did old car parts/medical/lawyer fees go up 10% YoY or nah?
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10-30-2019, 11:44 PM
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#535 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Oct 2015
Posts: 176
Thanked 139 Times in 53 Posts
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My insurance went down quite a bit too. I added my mom onto my insurance to benefit from her lower rate at 25%. I suggest doing that even if your mom doesn't live with you. Not really a scam either cause who doesn't let their parents drive their cars.
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10-31-2019, 12:18 AM
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#536 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
| Quote:
Originally Posted by bomberR17 My insurance went down quite a bit too. I added my mom onto my insurance to benefit from her lower rate at 25%. I suggest doing that even if your mom doesn't live with you. Not really a scam either cause who doesn't let their parents drive their cars. | That's a great idea!
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__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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10-31-2019, 07:21 PM
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#537 | | Where's my RS Christmas Lobster?!
Join Date: Nov 2012 Location: Vancouver
Posts: 847
Thanked 1,198 Times in 245 Posts
Failed 326 Times in 95 Posts
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About to renew my insurance in Nov, I thought my rate increase is absurd, can you guys help me check if the increase is normal?
Using the estimate tool on ICBC website, I got a whopping $3124 without the annual license fee. $1400 for basic and $1724 for optional insurance.
I have
-collision with $500 deduct
-comprehensive with $300 deduct and $200 windshield deduct
-3rd party liability at 2mil
-Underinsured motor protection at 2mil
My insurance was $2380 last yr without the annual license fee.
That's more than 30% increase.. wtf?
9 years driving experience with no fault accident, not even any accident.
Driver factor at 0.628
I'm the only listed driver on the insurance, and I drive to work more than 15km each way
If it is not right, should I call a broker or ICBC and how can I get them to check?
Thanks guys!
Last edited by is350; 11-02-2022 at 09:13 PM.
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10-31-2019, 08:26 PM
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#538 | | Where's my RS Christmas Lobster?!
Join Date: Nov 2012 Location: Vancouver
Posts: 847
Thanked 1,198 Times in 245 Posts
Failed 326 Times in 95 Posts
| Quote:
Originally Posted by twitchyzero on my car it only activates under 30kph, encouraging texting and driving
if you read between the lines on ICBC's description it's practically that
orrrr just pay attention + keep your distsance | Hi,
Were you able get the autonomous emergency braking discount through ICBC?
Like you said, the Mazda's system only automatically brakes when the speed is 30km/h or lower, so I'm not sure if the discount still applies to us?
Does the broker check the online owner manual to make sure your car is really equipped with the AEB?
Last edited by is350; 11-02-2022 at 09:12 PM.
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10-31-2019, 09:29 PM
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#539 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2002 Location: Vancouver
Posts: 8,348
Thanked 3,990 Times in 1,540 Posts
Failed 35 Times in 27 Posts
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I just went into BCAA to see if they could save me any money. I could save about $150 a year on the Rav, but since my wife drives my car once a year they won’t cover her, due to her single claim. I asked them to look what my new ICBC rate will be.
Looks like I’m gojng up about 7.4% with a perfect record and 19 years driving experience. Here’s a big F you. My wife and I will be paying 7k next year to insure our vehicles. What a load of shit. Lol.
__________________
Crush - 1971 Datsun 240z - Build Thread
The Daily - Rav4 V6 - “Goldilocks”
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11-02-2019, 02:57 PM
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#540 | | Proud to be called a RS Regular!
Join Date: Apr 2016
Posts: 118
Thanked 105 Times in 33 Posts
Failed 18 Times in 5 Posts
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Ok, renewed today. Around 10-11 exp, 29 year old, 0 accidents, 0 tickets. 1 driver min everything on coverage + 15 km to work for 98 Toyota chaser. Insurance went from 109 to 116. Only the good thing for me i can insure the weekend car way cheaper fo 96 bucks as is i drive it less then 5k km per year... thank you for last one, i guess
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11-05-2019, 09:10 PM
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#541 | | I contribute to threads in the offtopic forum
Join Date: Oct 2008 Location: Van604
Posts: 2,928
Thanked 2,283 Times in 632 Posts
Failed 98 Times in 40 Posts
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well just to add to the pool.
I have no reference since I just bought a car.. but for what is worth...
$2042/yr for my 97 Miata
11 years 0 at fault history
0.575
31 yrs old
3mil 3rd party, $300/$300 comprehensive
for work within 15KM
(according to my agent, my "fair" market vaule for my car is $1700) so take it for what is worth, my insurance costs "more" than my car...
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11-05-2019, 09:25 PM
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#542 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,455
Thanked 11,037 Times in 3,966 Posts
Failed 480 Times in 243 Posts
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Renewed my dads 2008 400h yesterday.
5 million 3rd party
300/300
underinsured motorist 5 million
pleasure use
$1950
Last year it was 1860 so almost 100 dollar increase.
old man has max discount and a clean driving history.
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11-05-2019, 10:16 PM
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#543 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,798
Thanked 9,482 Times in 4,138 Posts
Failed 429 Times in 227 Posts
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I insured my car for only 3 months at the start of Sept, so I got the renewal letter today. It gives you a breakdown of your rate instead of just an estimated renewal amount (which is nice) but it lists a percentage discount which is weird, I thought that was gone?
It also lists $1M underinsured motorist protection as being included in basic which I don't recall there being before.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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11-11-2019, 06:41 PM
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#544 | | NEWBIE ACCOUNT!
Join Date: Aug 2019 Location: Vancouver
Posts: 12
Thanked 13 Times in 3 Posts
Failed 0 Times in 0 Posts
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Thought I'd chime in here from a newcomer point of view (arrived after ICBC changed the rules in Sept).
Swapped my foreign license for a BC one. ICBC gave me 15 years driving experience, the max they can give for exchange (I've been driving 21 years). Driver factor 0.602
Insured an almost new Porsche Macan S for $2650. $3M 3rd party, $500 deduction, $3M uninsured, personal use.
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11-11-2019, 07:23 PM
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#545 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
Thanked 3,890 Times in 1,016 Posts
Failed 373 Times in 118 Posts
| Quote:
Originally Posted by dark0821 well just to add to the pool.
I have no reference since I just bought a car.. but for what is worth...
$2042/yr for my 97 Miata
(according to my agent, my "fair" market vaule for my car is $1700) so take it for what is worth, my insurance costs "more" than my car... | Your insurance also includes what happens when it slides into a group of children and doctors.
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11-11-2019, 09:25 PM
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#546 | | Need my Daily Fix of RS
Join Date: Nov 2013 Location: Vancouver
Posts: 253
Thanked 446 Times in 70 Posts
Failed 141 Times in 19 Posts
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I thought my 2mil 3rd party liability was high enough, wow you guys are getting 3-5mils....
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11-11-2019, 09:26 PM
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#547 | | Need my Daily Fix of RS
Join Date: Nov 2013 Location: Vancouver
Posts: 253
Thanked 446 Times in 70 Posts
Failed 141 Times in 19 Posts
| Quote:
Originally Posted by is350 About to renew my insurance in Nov, I thought my rate increase is absurd, can you guys help me check if the increase is normal?
Using the estimate tool on ICBC website, I got a whopping $3124 without the annual license fee. $1400 for basic and $1724 for optional insurance.
I have
-collision with $500 deduct
-comprehensive with $300 deduct and $200 windshield deduct
-3rd party liability at 2mil
-Underinsured motor protection at 2mil
My insurance was $2380 last yr without the annual license fee.
That's more than 30% increase.. wtf?
9 years driving experience with no fault accident, not even any accident.
Driver factor at 0.628
2018 Mazda 3
I'm the only listed driver on the insurance, and I drive to work more than 15km each way
If it is not right, should I call a broker or ICBC and how can I get them to check?
Thanks guys! | Try BCAA, I got quoted way lower compared to ICBC
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11-11-2019, 10:14 PM
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#548 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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Originally Posted by anxiety I thought my 2mil 3rd party liability was high enough, wow you guys are getting 3-5mils.... | Depends who gets injured.
I mean, hit an SUV full of freshly-graduated doctors and $5M probably isn’t enough.
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11-11-2019, 10:39 PM
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#549 | | Need my Daily Fix of RS
Join Date: Nov 2013 Location: Vancouver
Posts: 253
Thanked 446 Times in 70 Posts
Failed 141 Times in 19 Posts
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Originally Posted by Jmac Depends who gets injured.
I mean, hit an SUV full of freshly-graduated doctors and $5M probably isn’t enough. | If that's the case, then it's meant to be and you meant to be in debt for the rest of life...
Talk about luck, first you have to be at fault, then you hit a car with a few doctors in it, assumingly on their way to a conference....
I bet the difference between a 2mil and 5mil insurance will be quite significant, I will ask the broker at BCAA
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11-12-2019, 12:17 AM
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#550 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,111
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
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just keep a distance from the mclarens/maybachs Quote:
Originally Posted by bomberR17 added my mom onto my insurance to benefit from her lower rate at 25%. I suggest doing that even if your mom doesn't live with you. Not really a scam either cause who doesn't let their parents drive their cars. | i believe whoever you're adding has be in the same household Quote:
Originally Posted by is350 Hi,
Were you able get the autonomous emergency braking discount through ICBC?
Like you said, the Mazda's system only automatically brakes when the speed is 30km/h or lower, so I'm not sure if the discount still applies to us? I have a 2018 Mazda 3.
Does the broker check the online owner manual to make sure your car is really equipped with the AEB? | my renewal for the mazda is still few months out, should be no different than an immobilizer discount...you either have it or you don't i doubt they care about which type or how it works
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