| SpecV_Ryder2 |
hey guys..just heard this morning on the radio..said that insurance won't be based anymore on age or anything like that...basically if you got a clean record, they'll give you a break..and and example of punishment, something like speeding, they'll hit you 200% hike! :blink: ...I will have one outstanding ticket by this january coming and 3 will be gone this next few months :fingersx: ...
you guys heard this?.. |
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| -]TooL[- |
| ive been hearing info on this for a while. so far theres no headway in it actually happening. i think alberta is the last province to be based on this system. id love this to be true but im not getting my hopes up just in case. |
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| BlueTurboEGG |
| I'll believe it when it begins to reflect in my insurance rates. |
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| -]TooL[- |
| ya thats totally the way im seeing it right now. |
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| DeathBy240 |
| How long does it take for your speeding tickets to go away? |
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| SplineZ |
3 years..
This is just a guideline being forwarded to our govt, it is no way set in stone.. to my knowledge..
I think the whole speeding ticket thing is gay.. they should ding the drivers who have collisions, because they are obviously doing something wrong.
I speed to get out of the way of nitwits that drive like how pigeons fly. People that dont shouldercheck, drive in a straight line, , drive TOO SLOW, signal, or pay attention are the real dumbasses that should get penalized for making the roads obstical courses.
James Z |
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| SpecV_Ryder2 |
quote:
Originally posted by SplineZ
3 years..
This is just a guideline being forwarded to our govt, it is no way set in stone.. to my knowledge..
I think the whole speeding ticket thing is gay.. they should ding the drivers who have collisions, because they are obviously doing something wrong.
I speed to get out of the way of nitwits that drive like how pigeons fly. People that dont shouldercheck, drive in a straight line, , drive TOO SLOW, signal, or pay attention are the real dumbasses that should get penalized for making the roads obstical courses.
James Z
I so agree..you speed just to get out of harms way then BAM!..EPS is right on your tail and pulls you over*tsk*tsk* :angry: ...like :wtf: |
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| TrevorK |
Someone should grab a scan- the Journal had all the proposed rates inside.
It starts at ~1800 for an Edmonton driver with no driving record. Goes down as low as ~600. I have no idea if that includes collision or not however... If it does, it's a good deal. If not, it isn't.
It's definetely going to hurt those of us who already have low insurance (I pay 1200/year). I am not sure if they will do it, as the majority of the people this affects are 16-17 (Which are not voters) and 18-21 (Which usually do not vote). It will raise the rates of most people 25 and up, and those of us 21-25 (I doubt my insurance will get better than 1000/year, which is what I was quoted for next year) that don't pay much.
I like the current system as it is. Maybe it's because I'm not getting raped, but from the looks of the new system if you get into an accident that's even partially your fault your rates will skyrocket. Or if ya get a couple tickets (Which is very easy - f@ck, I got my first one this morning for speeding in a 50 zone). |
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| Copper |
I phone dmy insurance company today, they said it's in the works, if it does get passed it'll take effect somewhere around June, but fo rme they said there won't be much change because there already good for new drivers n stuff, i've only been drivin like 4 years now
So i dunno if it's as good as it sounds. |
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| scooby_dooby |
quote:
Originally posted by TrevorK
It starts at ~1800 for an Edmonton driver with no driving record. Goes down as low as ~600. I have no idea if that includes collision or not however... If it does, it's a good deal. If not, it isn't.
1800 is for just liability is still a good deal. 2 years ago for me with no driving record, ALL my quotes were from 3000-5000 for only liability! this is on a rusted out POS 86 prelude
only cause i was a nait grad was i able to get a group rate with meloch monnex and score a sweet deal@$2250/year. |
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| DeathBy240 |
| I pay 1600 for liability and I have been driving for almost 4 years and 1 speeding ticket last, and 1 failing to stop at a stop sign last year as well. I guess I got a good deal. |
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| Park |
| I pay roughly 1800 or so for two vehicals for full coverage and one is custom / pleasure vehical insured! I could never afford to drive if I was paying as much as some of you guys are.. EEK |
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| JoeBlow |
Even if it were to go through you know that the insurance companies would do anything that they could to make up for lost money so would just keep raising premiums for everyone over time so in the end insurance rates will end up twice as high for all drivers, so even though the system as may not be right with how much new drivers get raped with insurance costs in the end it is better to keep the system the same or just do minor changes. Or they could put in a cap for premiums (yeah right to that ever happening),
The other really stupid thing i heard they were thinking of doing is no fault insurance (haven't heard much on it recently so maybe they arn't trying any more who knows) but it would just mess with everyones insurance rates making it much worse for most people.
Well that is my thoughts (and most of them are probably really wrong cause i am just assuming most things cause i haven't really looked into it :) )
Life would be so much ezier if there were no accidents or speeding tickets :) heres to hoping :fingersx: |
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| Neo-Blue99GASE |
| You must also consider the government has to still pass the recommendations. The problem with insurance is that many people see getting hit as winning the lottery. You get hit, claim a soft tissue damage claim, and you can get huge settlements. Hence all the injury lawyers. Its such a booming business. Especially since most dont collect untill you do, then they recieve large percentages of the profits. That way, the more they can settle for, the more they get as well. This is not uncommon, but the situation has risen out of control. Thats why the government has stepped in and setup this recommendation board. The problem is, it still has to be fully passed, though it most likely will. |
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| MightyMidget |
quote:
Originally posted by Neo-Blue99GASE
You must also consider the government has to still pass the recommendations. The problem with insurance is that many people see getting hit as winning the lottery. You get hit, claim a soft tissue damage claim, and you can get huge settlements. Hence all the injury lawyers. Its such a booming business. Especially since most dont collect untill you do, then they recieve large percentages of the profits. That way, the more they can settle for, the more they get as well. This is not uncommon, but the situation has risen out of control. Thats why the government has stepped in and setup this recommendation board. The problem is, it still has to be fully passed, though it most likely will.
W-O-W.....is that what has happened?? thats too crazy.....I should really get to watching the news more :unsure:
S |
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| TrevorK |
It was stated in the paper this morning (So I assume they took this from the press conference).
For a vehicle used as commute to work, no experience driver, 1 mil. liability it'll cost you 2125 in Edmonton.
That's a HELLUVA lot more than I pay now.
Worst part is - everyone makes mistakes. So if YOU make a mistake and get in an accident that's even PARTLY your fault your rates skyrocket. Is that fair? |
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| SpecV_Ryder2 |
see that's thing, I mean if you get pulled over for any highway act violations, it's like what, 3 demerits and 3 yrs on your abstract :( ...dang
o.k..so age won't be a factor anymorejust basically a clean driving record. o.k that's fine but on another note, it's a whole debate about young drivers graduating and getting a break on insurance coverage. now, as we all know, experience drivers are more aware of the hazards on the road than the people that are just getting out of driver ed. I highly doubt the insurance company, will do that, but like you guys say, it' not for sure yet.
The question I have though, if any of you guys can help, I will have a few of my tickets gone by this coming few months and will one outstanding ticket AND a claim that wasn't my fault. It was a hit and run and my insurance paid half of it and the rest out of my own pocket. So will this jack up my rate?..I also turned 25 last week.
any suggestion what might my insurance be?.. |
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| SpecV_Ryder2 |
| also get this, I have an aftermarket interior light in my car and during the fringe, cop pulls me over and gives me the bla,blah,this and that about my light while I see other cars with their washer nozzle blue lights and yaddayadda..so he hands me a ticket and swear to god I almost crapped my pants, he issued me $402 bucks!? with 4 demerits!! :wtf: ,,he writes it down as a stunting ticket and I was pissed!..so I had a court date set and went to talk to the JP and he just looked at me like "WTF"? did you do thing..so I explained and he looks through some highway traffic act violation thing and to my surprise, he brings it down to like 57 bucks, and no demerits! :bigthumbup: ...lucky if you ask me.. |
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| Curtass |
As far as I see it, it can only get better than the $5,800 I pay a year. I've had one fender bender that didn't involve any claims and two speeding tickets. I drive an $800 car. ???? Go figure. If I can pay even close to half of that, I'm in.
- Curt |
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| SplineZ |
quote:
Originally posted by Curtass
As far as I see it, it can only get better than the $5,800 I pay a year. I've had one fender bender that didn't involve any claims and two speeding tickets. I drive an $800 car. ???? Go figure. If I can pay even close to half of that, I'm in.
- Curt
Word to that..
I have 3 tickets (oops), no accidents, 2 B/E claims, and drive a 3k car (KBB value).. I pay upwards of 3500 a year for halfmil liablilty. I have searched around, called atleast 20 different brokers/agencies. Half of them wouldnt even give me a quote cuz of my car. Even if it chopped 500 off i'd be in like flynn.
Im up for anythign that reduces my rates :)
James Z |
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| SilverGa |
| any type of illegal lighting ticket is 57$. Under car neons, interior neons, washer's, etc. All of them come under section 4 (4) which states that all coloured lamps are illegal. One thing though. Watch out for this trick. Several times a constable will pull you over for one reason just to get a better look at your car, to see if you have any other illegal modifications like a fart pipe or a stereo. |
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| DeathBy240 |
| You seriously pay about 500 a month for insurance? |
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| SplineZ |
quote:
Originally posted by DeathBy240
You seriously pay about 500 a month for insurance?
I have a friend who pays over 800+ a month, and is barred from driving ANY other vehicles cept his own, and his employers..
When is a stereo an illegal modification?
Interior neons I can see.. cuz they are gay, except when used to light your footwell area.. kinda cool then :)
Personally I'd tell the cop to FOD if he gave me a ticket a "colored" dome light..
James Z |
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| SilverGa |
| a stereo can be classified as illegal, the same way a fart pipe can. It produces a loud noise that will get you a noise violation ticket if its loud enough. Like I said, its kinda underhanded, but most people wont fight such a ticket and they get away with it. Really, it all depends on the cop and if he wants to be an ass or not. As for insurance, you should see how much I gotta pay. You wanna know what they say for a V6 GA? its an attractive car. OMFG! they charge me more because my car is considered attractive! its terrible what insurance companies will come up with these days! |
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| SplineZ |
quote:
Originally posted by SilverGa
a stereo can be classified as illegal, the same way a fart pipe can. It produces a loud noise that will get you a noise violation ticket if its loud enough. Like I said, its kinda underhanded, but most people wont fight such a ticket and they get away with it. Really, it all depends on the cop and if he wants to be an ass or not. As for insurance, you should see how much I gotta pay. You wanna know what they say for a V6 GA? its an attractive car. OMFG! they charge me more because my car is considered attractive! its terrible what insurance companies will come up with these days!
Good thing its not red! red cars are stolen more often!
ahah yea i totally know.. My car is blacklisted by alot of insurance companies..
James Z |
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| SilverGa |
| red and yellow and black cars are sporty colours, you get more attention from cops in them and they are also higher in insurance, crazy world it is. |
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| TrevorK |
quote:
Originally posted by SplineZ
quote:
Originally posted by Curtass
As far as I see it, it can only get better than the $5,800 I pay a year. I've had one fender bender that didn't involve any claims and two speeding tickets. I drive an $800 car. ???? Go figure. If I can pay even close to half of that, I'm in.
- Curt
Word to that..
I have 3 tickets (oops), no accidents, 2 B/E claims, and drive a 3k car (KBB value).. I pay upwards of 3500 a year for halfmil liablilty. I have searched around, called atleast 20 different brokers/agencies. Half of them wouldnt even give me a quote cuz of my car. Even if it chopped 500 off i'd be in like flynn.
Im up for anythign that reduces my rates :)
James Z
There's a reason people won't insure you - you drive a Fiero. Hate to say it (It's one of the reasons I won't get one) but statisically they cost insurance companies a lot of money. |
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| midnite |
| are the new rates regardless of car make/model? will i have the same rate on a camry as i would on an integra? |
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| Curtass |
I only have $200,000 pl/pd and I drive an 89 mazda 323. I paid the exact same rates for my 88 Rx-7. If you don't have collision or glass/fire etc. it doesn't matter what kind of car you drive. I could drive a Ferrari and pay the same with my policy.
:gay:
- Curt |
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| SplineZ |
quote:
Originally posted by Curtass
I only have $200,000 pl/pd and I drive an 89 mazda 323. I paid the exact same rates for my 88 Rx-7. If you don't have collision or glass/fire etc. it doesn't matter what kind of car you drive. I could drive a Ferrari and pay the same with my policy.
:gay:
- Curt
You'd think so, but apparently its not 100% true.. I have only liability on my car, and i asked the diff between a 84 corolla, and my car, and it was about 100bux a month. Who are you with?
TrevorK, thats odd, its one of the safer cars on the road of its time.. If your recalls have been done, and you have proof of it, it shouldnt be treated any differently than any other sporty car.
James Z |
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| 00GAGT |
| any one know the cheapest place for insurance that will insure 16 year olds |
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| SilverGa |
| I go through ING and you know what I pay. |
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| 7_speed |
i've heard about a place called "Independent Insurance" I've talked to a couple of people and apparently they "sympathize" with young drivers and understand what they are going through so therefore offer better rates.I personally have given up on the whole situation and decided that no matter what insurance will be rated on your liability as a driver rather than your skill. Nobody realizes how little tickets reflect your driving skills. Why should a ticket for not signaling on a lane change at 3:00 am when the only person around is a cruiser 400 ft behind you result in you paying an extra 1000$ a year. Granted they should affect your rating but not nearly to the extreme that they are now or will be. Why should someone with 5 tickets and no accidents pay more than someone with 3 accidents and no tickets, one person is a proven liability the other is a potential, and because his numbers are higher he pays more. Tickets may just mean you dont check your rear view mirror as often as Mr. Clean record.Tickets should come with a description of event, and should be assesed on how they broke the law not just that they did. Sorry just needed to rant. 7,500$ a year and have never even come close to causing an accident? It makes no sense.
WWhhhhhhYYYYYYYYYYYY........
p.s-insurance sucks |
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| MightyMidget |
well to put some of this into perspective.....my gf was looking at a very cheap car....like $500. She phoned EVERY gawd damn insurance company out there.....the LOWEST quote she got was $4300 a year JUST for PL/PD........she is 20 years old. no tickets or collisions. now that's taking it up the :moon: if I ever seen it......needless to say she does not drive. :angry: :angry: :finger: to insurance companies.....oh and when I had my 2002 Subaru Impreza WAGON i was paying just over $2200 a year.....if i would have kept it my insurance would have went up to just about $2700.....I have a CLEAN record......no collisions EVER and one ticket (which was the freebie ticket) in 1999, so that did not effet my insurance. I also have more drivers training than the normal person....
S |
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| TrevorK |
quote:
Originally posted by SplineZ
quote:
Originally posted by Curtass
I only have $200,000 pl/pd and I drive an 89 mazda 323._ I paid the exact same rates for my 88 Rx-7._ If you don't have collision or glass/fire etc. it doesn't matter what kind of car you drive._ I could drive a Ferrari and pay the same with my policy.
:gay:
- Curt
You'd think so, but apparently its not 100% true.. I have only liability on my car, and i asked the diff between a 84 corolla, and my car, and it was about 100bux a month. Who are you with?
TrevorK, thats odd, its one of the safer cars on the road of its time.. If your recalls have been done, and you have proof of it, it shouldnt be treated any differently than any other sporty car.
James Z
Mine changes a bit too depending on which car I drive - but the base for PLPD is the same. I believe it's the premium for Comprehensive (Fire/theft/etc...) that changes. I don't have my policy in front of me so I could be wrong, but I think that's what changes..
Also - your Fiero costs your company more. They don't have the structural integrity, and they fold in an accident. It's not something made up - it's a fact. I asked when I tried to get a GT for myself (I had a line on one for 2500 with 67K on it) when I tried to get insurance. I even asked my dad, who's in the industry and he said the same thing. They pay out more, so the people who drive them pay more. |
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| SpecV_Ryder2 |
yeah, insurance companies nowadays are anal with people who have bad driving records or somehow find a way to screw people over, for instance, javing a nice looking car can jack up your rate how :gay: is that?.
I'm gonna shop around this coming month and find out who gives the best rate out there and any suggestion would be nice.
quick question, so why do people get a break whey they have like 3 tickets and the other person got like 5? :thumbsdown: ..I guess it's a question i'm gonna be asking around to the insurance companies out there. |
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| SilverGa |
| One of the best advices I can give about insurance rates is go under the same company your parents have. If your parents have good record's, the company they are under will usually be the cheapest place to get insurance. just a tip. |
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| SplineZ |
quote:
Originally posted by SilverGa
One of the best advices I can give about insurance rates is go under the same company your parents have. If your parents have good record's, the company they are under will usually be the cheapest place to get insurance. just a tip.
Heh, unless its allianz.. then they'd bar you from using your 'rents vehicles, and charge you out the ass with their facility branch to drive your own :)
James Z |
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| 98 teg |
well my policy was canned due to frequency of claims, now my rates are going from 114 to 180 a month with 3 tickets, my ins did not know about the 3 ticks
oh well shit happens, my problem is my claims none were not my fault. Now the ins co. want to rape my wallet. f@ck em |
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