| Shady_Pro |
| need to know who to call cause i just got quoted 4gs and im not fuckin paying that id rather drive without insurance |
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| 92_WhItE_H23 |
| my insurance company said the prelude is one of if not the most expensive honda to fully insure... i said fuck collision if i crash i can fix it cheaper myself.. so just PLPD and comprehensive i paid 156 a month at statefarm. |
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| dtjohnst |
quote:
Originally posted by 92_WhItE_H23
my insurance company said the prelude is one of if not the most expensive honda to fully insure... i said fuck collision if i crash i can fix it cheaper myself.. so just PLPD and comprehensive i paid 156 a month at statefarm.
220/mth fully insured with State Farm. I shopped around a bit, they were the best I found. They were the only place to give me credit for all my driving courses and count my clean record from OOP driving. |
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| Shady_Pro |
what are a list of courses i can do to lower it a bit...i was hoping having a damn near clean record would be enough ...just a couple tickets/ no accidents
whats oop driving |
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| 92_WhItE_H23 |
out of province, im assuming he did some driving in gagetown =D
you can take AMAs driving ed , i think they offer another defensive driving course as well. but i got the same quotes you did everywhere i looked for full coverage on the lude. even 220 is high for full coverage on a car specially someone with ur record. Do you need FULL coverage?? why not just get comprehensive/ theft and plpd. |
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| dtjohnst |
quote:
Originally posted by Shady_Pro
what are a list of courses i can do to lower it a bit...i was hoping having a damn near clean record would be enough ...just a couple tickets/ no accidents
whats oop driving
Like he said, out of province. I moved her from Manitoba just over a year ago with a clean record. Most insurance places wanted me to start over from square one, as if I had just gotten my licence.
If you want to know what courses will lower your insurance, ask your insurance company. I don't know if any normal courses you can take will. Mine were courses for police officers. Stuff like offensive driving, collision geometry, collision avoidance, high speed pursuit, etc. I don't think those courses are available to civilians, but you can always ask. |
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| Shady_Pro |
quote:
Originally posted by 92_WhItE_H23
out of province, im assuming he did some driving in gagetown =D
you can take AMAs driving ed , i think they offer another defensive driving course as well. but i got the same quotes you did everywhere i looked for full coverage on the lude. even 220 is high for full coverage on a car specially someone with ur record. Do you need FULL coverage?? why not just get comprehensive/ theft and plpd.
well i all im thinking is if by chance i loose control in the winter somehow and wreck the car im not gonna be able to afford to fix it and then im paying somthing off i don't even have or can use... |
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| dtjohnst |
quote:
Originally posted by 92_WhItE_H23
out of province, im assuming he did some driving in gagetown =D
you can take AMAs driving ed , i think they offer another defensive driving course as well. but i got the same quotes you did everywhere i looked for full coverage on the lude. even 220 is high for full coverage on a car specially someone with ur record. Do you need FULL coverage?? why not just get comprehensive/ theft and plpd.
I think I mentioned it before during our heated discussion on insurance. I know a guy who's a way better driver than I who killed someone in a head on collision when he wasn't speeding or drunk. If it can happen to him, it can happen to me, and I'd rather not be making payments on 2 cars to only own one. To me, an extra $100/mth is peanuts (they quoted me 120 for comp/theft/plpd) for that guarantee. Especially since I'm delivering pizza for a living while I hit the gym for the next 8 months or so and put on a ton of miles while I'm looking at slips trying to find houses and whatnot. |
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| 92_WhItE_H23 |
quote:
Originally posted by dtjohnst
I think I mentioned it before during our heated discussion on insurance. I know a guy who's a way better driver than I who killed someone in a head on collision when he wasn't speeding or drunk. If it can happen to him, it can happen to me, and I'd rather not be making payments on 2 cars to only own one. To me, an extra $100/mth is peanuts (they quoted me 120 for comp/theft/plpd) for that guarantee. Especially since I'm delivering pizza for a living while I hit the gym for the next 8 months or so and put on a ton of miles while I'm looking at slips trying to find houses and whatnot.
hense the, just get PLPD which as you know is required by law, so if you hit someone, its covered.. |
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| Nis13 |
2700
theft fire vandalism and liability |
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| dtjohnst |
quote:
Originally posted by 92_WhItE_H23
hense the, just get PLPD which as you know is required by law, so if you hit someone, its covered..
LOL But it wrote off his car, so with only PLPD, I'm paying for 2 cars but only own 1. |
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| fartcannon |
| im getting owned reading all those post... im paying 260 with ama, only one ticket, and i took the defensive driving. note i only have comprehensive/theft, plpd. not even full coverage on a 93 lude... i hate insurance and i just turned 20 and have been driving for years |
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| dtjohnst |
quote:
Originally posted by fartcannon
im getting owned reading all those post... im paying 260 with ama, only one ticket, and i took the defensive driving. note i only have comprehensive/theft, plpd. not even full coverage on a 93 lude... i hate insurance and i just turned 20 and have been driving for years
Blame the other 20 year olds. Younguns are more likely to drive irresponsibly. Speeding, street racing, stunting, etc. By mid to late 20's, that type of behavious is usually gone. Guys are starting families, settling down, maturing. They're testosterone is being diverted to other things, they're bodies have adapted to the changes.
But from 16 until about 22 or 23, the male is a strange creature. In most cases, bursts of testosterone are unchecked, and the mental and emotional maturity doesn't exist yet to say "Hmmmm. Racing this guy isn't a good idea." Basically, you're still in the age group where driving fast, racing the other guy, and showing off are how you show dominance.
Even if you don't do those things, the fact is that young people are at fault for more accidents on the road than all other age groups combined. (Or at least they were 4 years ago, I'm sure it hasn't plummeted since then) Furthermore, insurance companies assume that if you can afford a car, you can afford insurance, and the crappier a car you drive, the better off it is for them.
If they cut your insurance, you could buy a nicer car or, God forbid, make your current car faster and therefore more dangerous. Everyone in North America whines about the youth being "punished", but have you ever wondered why virtually every insurance company in North America charges more to younguns and gets away with it? Even in places where it's public or government regulated.
It's irresponsible and immature driving by young people. When I was young I did it. So did everyone else I've ever driven with who was under 22. Why did we do it? Lack of experience, lack of maturity and I don't see that trend stopping. If anything, I think it's probably getting worse.
But as a result, insurance is higher, and rightly so. If you're a good driver in your teens/early 20's, that sucks for you. I'm sorry my buddies and I screwed you. But if you do race, or speed, or drive inattentively from time to time, you understand why. |
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| 92_WhItE_H23 |
quote:
Originally posted by dtjohnst
Blame the other 20 year olds. Younguns are more likely to drive irresponsibly. Speeding, street racing, stunting, etc. By mid to late 20's, that type of behavious is usually gone. Guys are starting families, settling down, maturing. They're testosterone is being diverted to other things, they're bodies have adapted to the changes.
But from 16 until about 22 or 23, the male is a strange creature. In most cases, bursts of testosterone are unchecked, and the mental and emotional maturity doesn't exist yet to say "Hmmmm. Racing this guy isn't a good idea." Basically, you're still in the age group where driving fast, racing the other guy, and showing off are how you show dominance.
Even if you don't do those things, the fact is that young people are at fault for more accidents on the road than all other age groups combined. (Or at least they were 4 years ago, I'm sure it hasn't plummeted since then) Furthermore, insurance companies assume that if you can afford a car, you can afford insurance, and the crappier a car you drive, the better off it is for them.
If they cut your insurance, you could buy a nicer car or, God forbid, make your current car faster and therefore more dangerous. Everyone in North America whines about the youth being "punished", but have you ever wondered why virtually every insurance company in North America charges more to younguns and gets away with it? Even in places where it's public or government regulated.
It's irresponsible and immature driving by young people. When I was young I did it. So did everyone else I've ever driven with who was under 22. Why did we do it? Lack of experience, lack of maturity and I don't see that trend stopping. If anything, I think it's probably getting worse.
But as a result, insurance is higher, and rightly so. If you're a good driver in your teens/early 20's, that sucks for you. I'm sorry my buddies and I screwed you. But if you do race, or speed, or drive inattentively from time to time, you understand why.
you cant blame anyone anymore because its not age based, its record based now in alberta. EVERYONE with the same type of experience will pay the same.. for the most part. |
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| dtjohnst |
quote:
Originally posted by 92_WhItE_H23
you cant blame anyone anymore because its not age based, its record based now in alberta. EVERYONE with the same type of experience will pay the same.. for the most part.
It's based on "years of driving experience" now though. Which is basically the same thing. |
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| 92_WhItE_H23 |
| well years and incidents..a person driving 30 years with an at fault and 3 tickets could pay the same as a new driver. |
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| dtjohnst |
quote:
Originally posted by 92_WhItE_H23
well years and incidents..a person driving 30 years with an at fault and 3 tickets could pay the same as a new driver.
Agreed. They've proven to be just as dangerous behind the wheel as statistics.
By the same token, a 30 year old who just gets his license pays as much as a 16 year old who just got it. They're the people who should be complaining. They're paying high rates for no reason, the stats on "new drivers" and the stats on "young drivers" are very different. They should pay more then a 30 year old who's been driving for 10 years, but less than a 16 year old with equal experience.
We seem to debate insurance a lot. :) But then, it's a popular topic of conversation between car folk in Alberta anyways it seems, since the guys at work and I talk about it a bunch too. |
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| 92_WhItE_H23 |
| i somewhat agree with you on that tho. however, a new driver is a new driver.. really the only thing a 30 yr old has over a young driver is the ability to see consequences before acting. But on the other side of the coin, not all young drivers drive erraticly so i thin the system we have now is pretty much as close to perfect as you can get in this catch 22 that is insurance. |
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| Shady_Pro |
| i still think its bullshit im paying over 300 and i have had 4 tickets in 5 years all for speeding, yet i haven't cost my insurance company any money wats so ever. i could be paying 4000 a year for the next 4 years and pay well over the value of the car and never ever see that money again, and they wonder why people milk the insurance companies when there rear ended etc....i honestly will just milk the shit out of whoever hits me from behind again because i feel im being scwered and so i thin kits my right to take everything back i can........even the government gives tax returns... |
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| 92_WhItE_H23 |
quote:
Originally posted by Shady_Pro
i still think its bullshit im paying over 300 and i have had 4 tickets in 5 years all for speeding, yet i haven't cost my insurance company any money wats so ever. i could be paying 4000 a year for the next 4 years and pay well over the value of the car and never ever see that money again, and they wonder why people milk the insurance companies when there rear ended etc....i honestly will just milk the shit out of whoever hits me from behind again because i feel im being scwered and so i thin kits my right to take everything back i can........even the government gives tax returns...
i gave your argument a while ago..it doesnt sit well with DJ hah |
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| dtjohnst |
haha Nope. I just whip out my violin and start playing for you.
A 30 year old is less likely to be reckless, that why I don't think a 30 year old with 1 year experience should pay as much as a 17 year old with 1 year experience. They're older, more mature, more mellow, and by 30 they realize that no matter how much they know, there's even more they don't know, and they realize that they probably aren't perfect at everything they do.
Yeah, it's a generalization and some younguns aren't wild and some grownups are, but insurance is about hedging bets.
And a habitual speeder might not cost the insurance company anything yet, but if they get in an accident it'll likely cost more, a lot more, so you pay a higher rate. If you don't realize the dangers of speeding, then I'll rest my case about the 30 year old mentality vs the 20 year old mentality.
And by the way, you won't be "milking the guy that rear ends you", you'll be milking the other people in your age bracket as rates go up because the amount of money flowing out has gone up. And how about if you're "at fault"? With all that speeding, the companies may need to replace multiple vehicles, possibly pay doctor bills or worse if you end up at fault, in which case what you've paid in to insurance will barely cover it.
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| fartcannon |
| I have one thing to say, WE SHOULD GO PUBLIC. seriously in bc and sask. public insurance is awesome. the guy i bought my lude off of was paying 375 a year for full coverage!!! a whole year god, thats almost just a monthly payment. same in bc my sisters bf is paying about that and just started driving. If albertans werent so stupid and did not allow privatization in the auto insurance sector im sure alot of people would be happier. The only back draw is that most accidents tend to result in a 50/50 split so you most likely have to pay for the damage yourself. personally i would love that even if i got rear ended and had to buy a new bumper. hell one month of insurance here would pay for the repair |
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| dtjohnst |
quote:
Originally posted by fartcannon
I have one thing to say, WE SHOULD GO PUBLIC. seriously in bc and sask. public insurance is awesome. the guy i bought my lude off of was paying 375 a year for full coverage!!! a whole year god, thats almost just a monthly payment. same in bc my sisters bf is paying about that and just started driving. If albertans werent so stupid and did not allow privatization in the auto insurance sector im sure alot of people would be happier. The only back draw is that most accidents tend to result in a 50/50 split so you most likely have to pay for the damage yourself. personally i would love that even if i got rear ended and had to buy a new bumper. hell one month of insurance here would pay for the repair
*cough cough* Bullshit *cough cough*
Manitoba is private, I paid $1800/yr for Full coverage on a 98 Sunfire with 200,000km on it. I just ran some figures on SGI's website, over $800/yr for 91 Prelude, and SK has the cheapest insurance in the country so if he was from BC, he was paying more. Even if he had the highest safety rating AND a farm implement discount, it would still be $619/yr in SK, almost double. So there's no way the guy was paying $375 a year.
But I agree, public is best. I hit a deer in MB, $7,000 damage to a car worth no more than $7500, got fixed and I never paid a single penny, my rates didn't go up. 3 months later got $2500 hail damage, paid my $200 deductible and got it completely repaired, rates didn't go up. Not only that, but when I moved here State Farm wanted my past insurance history as well as a driver's abstract. MPI faxed over a clean record, like I'd never made a claim in the past 6 years, despite the fact that I had claimed both my wildlife and hail damage within 6 months of moving. I called from the insurance company to make sure there wasn't a mistake, the lady on the phone said she knew in AB that'd count against me, and standard practice is to only fax information on claims that I was assessed "at fault" for to other provinces, and I'm not held accountable for wildlife or acts of God.
That's what insurance should be. You get in an accident that's your fault, you're rate almost triples, for 3 years. Then it gets cut in half, then it comes down to where it was before. 16-22 year olds pay about 15% more than everyone else, minimum PLPD is $1M, all claims are reviewed since it's the same company paying no matter what. And if you're not at fault, you get "loss of use" automatically, your car gets fixed and money goes from MPI straight to the shop, you never have to front a penny, if you can't afford your deductible, it gets tacked onto your monthly fees making it easy for everyone to pay.
SGI is pretty much the same. And it really is the only way insurance should work. You're dinged when you're at fault, and dinged hard enough to cover the cost. The only scam in MB is motorcycles. I had an $800 1983 Honda Shadow, insurance was $850/6 months. The lowest I'd ever heard of was a guy paying $500/mth for a 250cc bike from the 60's that you couldn't give away. Absolutely retarded. |
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| DEVO |
| 4260/yr.... so suck it up guys! and that is the cheapest I could find! |
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| fartcannon |
it would still be $619/yr in SK, almost double. So there's no way the guy was paying $375 a year.
UMMMMM well even if he lied about 375 who the hell cares i would still prefer 620 over my 5700 a year for full coverage. like i said i dont have full because in 2 years i could own 2 of my cars. Honestly if there is one thing that will make me leave alberta its the insurance. it is just insane in this province. we may save money on almost everything and pay less then other provinces but seriously we get ass raped by the slow privatization of the alberat economy. |
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| newaccorddriver |
quote:
Originally posted by DEVO
4260/yr.... so suck it up guys! and that is the cheapest I could find!
i got quoted $5500 a year, so instead i just went under a secondary and pay $3000 a year now. oh well, im still able to drive it as much as i want. i can always move back to BC, but theres just pointless if i can afford insurance payments, but cant find work. i like the idea of going public on insurance though even though it can screw you over half the time |
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| theonly3rd |
| get married or common law and have a kid lol this drops your insurance almost 100 a month |
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| Shady_Pro |
| ya turns out my abstract is a little more dirty then i thought lol...with 12 demerits and 4 speeding tickets in 5 years )3 in 05) the final talle is 3985 a year |
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| DEVO |
quote:
Originally posted by Shady_Pro
ya turns out my abstract is a little more dirty then i thought lol...with 12 demerits and 4 speeding tickets in 5 years )3 in 05) the final talle is 3985 a year
Ya, I got the suspension letter in the mail, and took the defensive driving course @ AMA and that knocked 2demerits off so... I kept on driving, sitting @ 13-14 right now.
Careless driving, stunting, dangerous driving, and racing are the BIG ones, 50% surcharge on your liabilaty and 6 demerits. |
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| DEVO |
quote:
Originally posted by theonly3rd
get married or common law and have a kid lol this drops your insurance almost 100 a month
Having to put up with a kid is NOT AT ALL worth 100/mnth, neither is putting up with the same woman for the rest of your life! ya crazy fool! lol |
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| 92_WhItE_H23 |
quote:
Originally posted by DEVO
Ya, I got the suspension letter in the mail, and took the defensive driving course @ AMA and that knocked 2demerits off so... I kept on driving, sitting @ 13-14 right now.
Careless driving, stunting, dangerous driving, and racing are the BIG ones, 50% surcharge on your liabilaty and 6 demerits.
i got caught street racing twice... its not fun..however i did get off on both of them..my record is still clean heh |
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| Shady_Pro |
quote:
Originally posted by DEVO
Ya, I got the suspension letter in the mail, and took the defensive driving course @ AMA and that knocked 2demerits off so... I kept on driving, sitting @ 13-14 right now.
Careless driving, stunting, dangerous driving, and racing are the BIG ones, 50% surcharge on your liabilaty and 6 demerits.
ya i haven't gotten a letter warning me that im close to suspension which seems kinda funny.... |
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| fartcannon |
| lucky bastards, your allowed so many demerits. i got that lame GDL garbage. i got one speeding ticket for 3 demerits and if i get anything worth 5 now its all over for a month and insurance will never forgive me |
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