| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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11-25-2018, 11:19 PM
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#151 | | My homepage has been set to RS
Join Date: May 2011 Location: Langley
Posts: 2,297
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Moved from Langley to Kelowna....
Insurance went from $2600 a year to $1500
Only way to pay less is move away from lower mainland lol...or ride a bike
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11-26-2018, 07:54 AM
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#152 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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I remember years ago when looking at basement suites, moving from ironwood in Richmond to Ladner dropped me about $500/year. Black hole of money pit these areas are
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11-26-2018, 11:25 AM
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#153 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
Posts: 4,530
Thanked 1,170 Times in 625 Posts
Failed 286 Times in 153 Posts
| Quote:
Originally Posted by yray  or that lower mainland drivers are the saltiest in the world
just do a proper zipper merge and go about your day, getting ahead one car length isnt raping your love one | I don't think it's a matter of being salty.
Anywhere east of Abbotsford, people lane change to the right and let you pass. Usually at least.
The difference between a yield sign and a stop sign?
Four way stop procedure? Fuck me forget about it
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Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
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12-01-2018, 11:27 AM
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#154 | | WOAH! i think Vtec just kicked in!
Join Date: Sep 2008 Location: Van
Posts: 1,664
Thanked 413 Times in 101 Posts
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I switched to BCAA.
But I did notice a spike for my basic $200,000 3rd liability with ICBC.
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12-01-2018, 12:23 PM
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#155 | | y'all better put some respeck on my name
Join Date: Dec 2002 Location: Vancouver
Posts: 18,408
Thanked 9,468 Times in 2,439 Posts
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So for those who wonder how much exotic car owners pay...I just insured my Performante and with a full discount, $5m liability, 20+ year driving record with no accidents/fines my total came out to $6800/year. The basic is around $2600, the other portion for high end vehicles was around $4200. The deductible is $4500.
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12-01-2018, 12:36 PM
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#156 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Nov 2006 Location: vancouver
Posts: 3,515
Thanked 1,431 Times in 486 Posts
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Isn't those prices pre close to a g63?
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12-01-2018, 07:34 PM
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#157 | | My dinner reheated before my turbo spooled
Join Date: Oct 2002 Location: vancouver
Posts: 1,766
Thanked 640 Times in 242 Posts
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| Quote:
Originally Posted by Harvey Specter So for those who wonder how much exotic car owners pay...I just insured my Performante and with a full discount, $5m liability, 20+ year driving record with no accidents/fines my total came out to $6800/year. The basic is around $2600, the other portion for high end vehicles was around $4200. The deductible is $4500. | Is that the lowest deductible you can get?
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12-01-2018, 07:49 PM
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#158 | | y'all better put some respeck on my name
Join Date: Dec 2002 Location: Vancouver
Posts: 18,408
Thanked 9,468 Times in 2,439 Posts
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Originally Posted by VR6GTI Is that the lowest deductible you can get? | Yup. My agent tried to get a lower amount but was denied.
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12-01-2018, 09:45 PM
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#159 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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Wow, the insurance itself is really affordable. Deductible seems damn high (for a joe like me) but considering the cost of replacing a carbon front lip, $4500 is nothing
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12-01-2018, 11:04 PM
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#160 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,254
Thanked 4,805 Times in 1,626 Posts
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No wonder ICBC is in debt. $6800 a year is insane....ly cheap.
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12-02-2018, 12:16 AM
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#161 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
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i recall no discount with Class 7N in the early 2000s for 2-door Integras was close to $4k, not too far from insuring a Performante in today's dollar
that is a great deal
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12-02-2018, 12:42 AM
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#162 | | Rs has made me the woman i am today!
Join Date: Jan 2011 Location: Vancouver DT
Posts: 4,322
Thanked 2,797 Times in 916 Posts
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i know someone who was speeding in a school zone like a retard in a mustang and later crashed that car
ICBC for her was something like $1100 a month.
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12-02-2018, 01:40 AM
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#163 | | y'all better put some respeck on my name
Join Date: Dec 2002 Location: Vancouver
Posts: 18,408
Thanked 9,468 Times in 2,439 Posts
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In Ontario you can insure a Performante for $2600 and I believe it's similar in Alberta. And only reason I'm paying what I'm paying is because I have a clean driving record. Any points or claims I would be paying way more, probably close to $8000 or even higher.
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12-02-2018, 08:34 AM
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#164 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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| Quote:
Originally Posted by Harvey Specter In Ontario you can insure a Performante for $2600 and I believe it's similar in Alberta. And only reason I'm paying what I'm paying is because I have a clean driving record. Any points or claims I would be paying way more, probably close to $8000 or even higher. | I’d be curious to know what all these kids with N’s and Aventador SV’s and no chance of a clean record pay.
But like big baws said that’s pretty damn cheap. My focus RS is 3K a year on full discount, I assume STi’s and Golf R’s are the same. So a car that costs 6-7x as much is only 2x to insure. Suspect
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12-02-2018, 09:58 AM
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#165 | | WOAH! i think Vtec just kicked in!
Join Date: Sep 2008 Location: Van
Posts: 1,664
Thanked 413 Times in 101 Posts
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| Quote:
Originally Posted by 320icar I’d be curious to know what all these kids with N’s and Aventador SV’s and no chance of a clean record pay.
But like big baws said that’s pretty damn cheap. My focus RS is 3K a year on full discount, I assume STi’s and Golf R’s are the same. So a car that costs 6-7x as much is only 2x to insure. Suspect | The FK8 is around $2200 a year with full discount.
Why does the Focus RS cost 30% more?  because of the Drift Button?  | |
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12-02-2018, 11:49 AM
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#166 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
Posts: 21,877
Thanked 15,598 Times in 4,324 Posts
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| Quote:
Originally Posted by Harvey Specter So for those who wonder how much exotic car owners pay...I just insured my Performante and with a full discount, $5m liability, 20+ year driving record with no accidents/fines my total came out to $6800/year. The basic is around $2600, the other portion for high end vehicles was around $4200. The deductible is $4500. | This is all through ICBC? If so, I'd be shopping around for optional coverage, through a different provider.
For others that think they have the maximum discount @ 43%, remember, that's only for basic. You're not truely maxed out, til you're at -20 CRS, which includes discounts on optional coverage (which most of us get).
__________________ feedback
Originally posted by v.b.
can we stop, my pussy hurts...
Originally posted by asian_XL
fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
Originally posted by Fei-Ji
haha i can taste the cum in my mouth
Originally posted by FastAnna
when I was 13 I wanted to be a video hoe so bad RSUV #7 | |
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12-02-2018, 12:08 PM
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#167 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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Originally Posted by cococly The FK8 is around $2200 a year with full discount.
Why does the Focus RS cost 30% more? because of the Drift Button? | I’m including optional extras like 2m liability, collision, comprehensive etc. Actually I just got my renew letter so I cal say exactly what it is (they say eastimate)
- basic coverage (-43%) $1093
- 2m liability $585
- collision ($500 deduc) $936
- comprehensive ($300 deduc) $287
- vehicle license fee $61
- parks plate renewal $40
- total $3002
Two questions. Why is the optional coverage so fucking expensive, and dafuq is vehicle license fee. ISNT THAT WHAT WE PAY ICBC FOR
Edit: Icbc optional total $1671, online BCAA estimate quote for the same coverage is $1061
Last edited by 320icar; 12-02-2018 at 12:19 PM.
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12-02-2018, 12:15 PM
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#168 | | y'all better put some respeck on my name
Join Date: Dec 2002 Location: Vancouver
Posts: 18,408
Thanked 9,468 Times in 2,439 Posts
Failed 393 Times in 159 Posts
| Quote:
Originally Posted by fliptuner This is all through ICBC? If so, I'd be shopping around for optional coverage, through a different provider.
For others that think they have the maximum discount @ 43%, remember, that's only for basic. You're not truely maxed out, til you're at -20 CRS, which includes discounts on optional coverage (which most of us get). |
Belairdirect was the only private insurer that would provide optional coverage and they told me the value (after tax) for the Performante was too much and couldn't provide coverage. When I had my Huracan 580 couple years ago I did use Belairdirect and it was around $1100 cheaper for the optional. Big difference.
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12-02-2018, 01:02 PM
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#169 | | WOAH! i think Vtec just kicked in!
Join Date: Sep 2008 Location: Van
Posts: 1,664
Thanked 413 Times in 101 Posts
Failed 95 Times in 37 Posts
| Quote:
Originally Posted by 320icar I’m including optional extras like 2m liability, collision, comprehensive etc. Actually I just got my renew letter so I cal say exactly what it is (they say eastimate)
- basic coverage (-43%) $1093
- 2m liability $585
- collision ($500 deduc) $936
- comprehensive ($300 deduc) $287
- vehicle license fee $61
- parks plate renewal $40
- total $3002
Two questions. Why is the optional coverage so fucking expensive, and dafuq is vehicle license fee. ISNT THAT WHAT WE PAY ICBC FOR
Edit: Icbc optional total $1671, online BCAA estimate quote for the same coverage is $1061 | This is mine:
ICBC Basic Coverage (43% discount): ~1100
2m : ~220
Collision ($1000 deductible) : ~ 370
Comprehensive ($100, yes $100 deductible) : ~ 220
Replacement Cost Plus: ~180
Preferred Driver Package: $20
Plus 10% off for being a BCAA member.
Disclaimer: Please note that everyone's quote on a different time of the year might be different, please don't quote me on this and ask BCAA for this quote.
Last edited by cococly; 12-02-2018 at 01:08 PM.
Reason: Added disclaimer lol
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12-02-2018, 02:22 PM
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#170 | | I *Fwap* *Fwap* *Fwap* to RS
Join Date: Mar 2011 Location: NYC
Posts: 1,573
Thanked 1,494 Times in 532 Posts
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Originally Posted by BIC_BAWS No wonder ICBC is in debt. $6800 a year is insane....ly cheap. | That's also how much they wanted to insure me in Markham in first year university. ICBC is incredibly cheap for inexperienced drivers - I paid 3400 the year before.
Ontario insurers also don't have a loophole where kids can drive on their parents insurance without paying additional. Either you sign a waiver saying you kid won't drive, or you have to pay an additional 900 a year.
Last edited by AstulzerRZD; 12-02-2018 at 02:37 PM.
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12-02-2018, 10:57 PM
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#171 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2013 Location: Squamish
Posts: 925
Thanked 2,300 Times in 556 Posts
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Originally Posted by 320icar I’d be curious to know what all these kids with N’s and Aventador SV’s and no chance of a clean record pay. | They have the minimum $200,000 liability, and nothing else through ICBC. If they are under a certain age, and/or have an N, ICBC won't give them anything more than the minimum liability required by law and they have to go elsewhere for additional insurance.
The number of super cars with N's sporting the minimum in Vancouver is apparently shocking.
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12-03-2018, 10:59 AM
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#172 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,782 Times in 1,345 Posts
Failed 83 Times in 42 Posts
| Quote:
Originally Posted by Traum As Jmac has already pointed out, there are no other major Canadian cities that have a crown crop providing public auto insurance. Regina and Winnipeg have a much lower population density than Vancouver, and while I haven't been there before, given how their drivers don't create massive spikes in car accidents when they get 2cm's worth of snow, I suspect they are in general "better" / safer drivers than we are. I've been to several places in Quebec a whole bunch of times, and I'd also say their drivers -- esp those in Montreal -- are generally more skillful than we are.
Add to that parts of Metro Vancouver have a disproportionately high number of new / inexperienced drivers driving high end vehicles (some of which don't even have valid BC driver's licence, it is little wonder that our auto insurance payouts are so damn high.  | I can't speak for Manitoba (probably the same) but in Saskatchewan they have no fault insurance. They pay for your medical bills and they'll fix your vehicle but you can't sue for injuries like you can here in BC unless you have TORT coverage which most do not. Even if you have Tort coverage it's not a windfall like it's been in BC for so long.
If BC was to remove the payouts for injuries the cost of insurance & fraud would drop significantly. It's why insurance is Govt ran and still a lot cheaper in Sask. than it is here.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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12-03-2018, 11:06 AM
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#173 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
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Originally Posted by cococly Disclaimer: Please note that everyone's quote on a different time of the year might be different | that's dumb
why?
i can understand if you're only insuring in the winter where they might be more accidients, but not for an annual policy
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12-03-2018, 11:38 AM
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#174 | | Rs has made me the woman i am today!
Join Date: Jun 2002 Location: Victoria
Posts: 4,219
Thanked 391 Times in 193 Posts
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went up $100 for me.
1300->1400 full discount on a TYPE R
all ICBC with 300 deduc
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12-03-2018, 12:07 PM
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#175 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,724
Thanked 9,407 Times in 4,096 Posts
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Originally Posted by fliptuner This is all through ICBC? If so, I'd be shopping around for optional coverage, through a different provider. | Why would someone with the kind of cash to buy a car that expensive bother spending the time to save maybe a few hundred a year?
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
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Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
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Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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