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68style · 10-04-2024, 11:05 PM

It is inconsistent... wildly so.

Pure cost?

My experience so far:

24 GR Supra ICBC: $2,300 -- this seems like a pretty standard full discount new car <$80k price
24 GR Supra Desjardins Alberta: $1,167 -- huge discount, the only thing I can figure is that I have yet to see another GR Supra the entire time I've been there.

But hold on! Desjardins asked if my car had any modifications. I said I put aftermarket wheels on it. They asked me if they were a different size? I said not really, they're 19" wheels... but the rears are 0.5" wider and I went to a 285 tire instead of a 275.

Desjardins said they won't give me collision coverage anymore. My car is modified for more performance and therefore I'm likely a risky driver. Same if I lowered it, put an intake on it or pretty much ANYTHING. Technically they even consider my 3M taped on carbon fibre spoiler a performance modification. I am stuck putting stock wheels back on or finding another insurer that charges who knows what for modded cars.

Also, if I had a ticket in the last 5 years? Surcharge. I don't, my last ticket was 6 years ago... but 5 years?! The fuck is that?

2017 Kia Soul: $1,4xx with ICBC
2017 Kia Soul: $1,7xx with Desjardins in AB... for some weird reason this car is more expensive in AB than BC, no idea why

MR2 Turbo? IS300? Too old. Find someone who cares about old cars. They quoted way more than I pay in BC just to get rid of me, told me to talk to Hagerty because they'd write any of those cars off if I even made a windshield claim and give me nothing for them.

Now, I don't think ICBC is the be all end all... but if anyone who is even remotely a car enthusiast in BC wants Alberta's system, unless you want to start your own privatized agency to SELL insurance... you're nuts.

(noclue already mentioned this, but it's worth mentioning again) --> one benefit worth mentioning is if you get your home and car insurance from the same broker, in my case Desjardins, you get stackable discounts on your home AND car... 10-20%... so the definitely encourage you to get into their ecosystem.

10-04-2024, 11:05 PM	#7376
68style Performance Moderator Join Date: Jun 2001 Location: Richmond Posts: 19,447 Thanked 21,458 Times in 7,317 Posts Failed 333 Times in 222 Posts	It is inconsistent... wildly so. Pure cost? My experience so far: 24 GR Supra ICBC: $2,300 -- this seems like a pretty standard full discount new car <$80k price 24 GR Supra Desjardins Alberta: $1,167 -- huge discount, the only thing I can figure is that I have yet to see another GR Supra the entire time I've been there. But hold on! Desjardins asked if my car had any modifications. I said I put aftermarket wheels on it. They asked me if they were a different size? I said not really, they're 19" wheels... but the rears are 0.5" wider and I went to a 285 tire instead of a 275. Desjardins said they won't give me collision coverage anymore. My car is modified for more performance and therefore I'm likely a risky driver. Same if I lowered it, put an intake on it or pretty much ANYTHING. Technically they even consider my 3M taped on carbon fibre spoiler a performance modification. I am stuck putting stock wheels back on or finding another insurer that charges who knows what for modded cars. Also, if I had a ticket in the last 5 years? Surcharge. I don't, my last ticket was 6 years ago... but 5 years?! The fuck is that? 2017 Kia Soul: $1,4xx with ICBC 2017 Kia Soul: $1,7xx with Desjardins in AB... for some weird reason this car is more expensive in AB than BC, no idea why MR2 Turbo? IS300? Too old. Find someone who cares about old cars. They quoted way more than I pay in BC just to get rid of me, told me to talk to Hagerty because they'd write any of those cars off if I even made a windshield claim and give me nothing for them. Now, I don't think ICBC is the be all end all... but if anyone who is even remotely a car enthusiast in BC wants Alberta's system, unless you want to start your own privatized agency to SELL insurance... you're nuts. (noclue already mentioned this, but it's worth mentioning again) --> one benefit worth mentioning is if you get your home and car insurance from the same broker, in my case Desjardins, you get stackable discounts on your home AND car... 10-20%... so the definitely encourage you to get into their ecosystem.