.

Two things to remember.
1- You aren't just insuring your car. It's you, and the cars/people you hit.
2 - Why bother with fully comp on a $2000 car?

you can get bmw system and it will still count :lawl:

My insurance dropped ~$600 a year before I factor in the AEB discount - IF I don't list my wife.

If I add my wife I save about ~$100 a year with the AEB discount.

My driving record is clean 14 years; wife's driving record is clean but ~5 years.

I'm torn because she hasn't driven the car once in the past 1.5 years...what happens if I don't list her (because she legitimately doesn't drive)?

^
It's only a problem if she does drive and then she crashes...

Simple, make sure she never drives it.

when i went to renew the RDX, the agent asked if it had 'autonomous braking'... the only thing i could think of was it has collision mitigation as described:

(would this be good enough for the additional discount?)


https://i.imgur.com/WX0xAg4.jpg




Autonomous emergency braking (AEB) is a safety feature that uses technology to anticipate when a vehicle is about to have a front-end collision and automatically engages the brakes without the driver’s action. Vehicles equipped with factory-installed autonomous emergency braking (AEB) will be eligible for a 10% discount as AEB has been statistically shown to help prevent crashes.

If you’re not sure whether your vehicle has AEB, check with your dealership or look in your ownership manual.

The advanced safety technology discount will apply to your Basic and some Optional coverages, as well as fleet and commercial non-fleet polices that meet the eligibility requirements.

Just a heads up for anyone who's like me and kept their L for years out of laziness: the new discount calculation system will fuck you extremely hard. The old system counted your years of having an L as years of safe driving, the new system only counts from when you get your N. I lost like 6 years of safe driving history and thus lost my entire discount.

Your quote isn't showing up, but if it has a radar in the front and is capable of applying brakes on its own, then yes. My previous Civic had Honda Sensing which did that, I assume Acura's version would be the same if not better.

That's easy enough to do, but how does the 'unlisted driver protection' fall into this? If I keep her off, and then the one time out of the blue she drives and crashes, do I just pay the $50 unlisted driver or am I in for a world of hurt?

So my insurance is up on my Lambo in two days and ICBC has yet to get back to my agent for the 3rd party liability insurance for supercars. He called them, they said they're working on it but he doesn't understand the delay because usually they issue the quote 30 days prior to the insurance expiring. Hopefully they get back to my agent later today or tomorrow.

I don't have a problem with this at all. Having an L for six years shouldn't qualify you for the same discount as someone with six years of experience driving with their N or Class 5.

Also backpay any savings you might have earned by not listing her, plus some other kind of fine

I mean if you're driving, you're driving. It's not like the class of license you have is determining how much actual driving experience you're getting. Some people with Ls drive all the time, some people have their class 5 and ride the bus every day. It's an arbitrary distinction.

The person with the L who drives all the time is a substantially greater liability than the person who has a class 5 and rides the bus every day, all else being equal.

It doesn't. Unlisted driver protection doesn't cover members of your household.

https://www.icbc.com/insurance/produ...rotection.aspx

6 years on Learners?

did you renew your license at some point?

it's like never taking off your training wheels (25yo+ supervision)

6 years with all the restrictions of an L? That sounds horrible unless you barely drive.

How do you go about adding someone? Do they need to come in with you or do you just need their license # and DOB or something?

Driver’s license # I think was the only thing I needed from my fiancé when I renewed in September. It tells you on the renewal form.

When I went in to BCAA to investigate pricing they said legally if the person lives in your house you “have” to list them. Secondly, you can choose to list them as a driver or not. I do believe the price increase comes with the second part.

25% on the driver with the shittiest discount

or pay $5k penalty if the person that crashes your car isn't listed

Misleading, it's UP TO $5k.

^ thats just the basic component. 15x the difference if they were added or up to a maximum of 5k on the basic. It turns into a debt if unpaid. The optional coverages has something similar.

I'm still confused here on the unlisted driver change.

My girlfriend does not live with me. Occasionally she'll use my car (maybe once a month, if that).

If she drives my car next week and gets into an accident, what would happen? I don't renew until January, by the way.