Quote:
Originally Posted by xXSupa
Should be less than the amount that your insurance goes up by (Unless if you have 43% gold star).
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There's no such thing as GoldStar. There's a value package called RoadStar (and Roadside Plus) but those have nothing to do with premiums discounts or the OP's situation.
Great value packages
OP, get a couple of estimates, average it out and then calculate how much your premiums will go up vs. paying out of pocket.
Keep in mind, the CRS only tells you your discount on basic coverage. The further down the scale you are, the more discount you get on optional coverage, even though the max discount for basic is 43%.
Also, say you're on CRS (-8) and you put your claim in, not only do you go from 40% discount to 15% but in the amount of time it takes you to get back to 40%, you could be at CRS (-13), 43% discount on basic and more on optional, had to paid out of pocket. Just something to factor into your calculations.
http://www.icbc.com/autoplan/costs/Documents/crs.pdf