by "The Crazy Kanuck; RIP Oppositelock" (jukesjukesjukes)
Published 03/17/2017 at 02:28
by "The Crazy Kanuck; RIP Oppositelock" (jukesjukesjukes)
Published 03/17/2017 at 02:28
No Tags
STARS: 3
My insurance. I like keeping my finances close, & secret. This is too exciting to not share.
When I first started started driving I drove like jackass, & I pay for it. As $836/month for car insurance. I had go with the one insurance provider in Ontario that will insure ultra high risk drivers. How did I derserve to pay that much?
- Roll a truck on a sideroad in a rain storm. Stunt driving & failure to stay in lane.
- 1 month later rear end a car at a red light. Failure to change lanes (I argued there where cars in the other lane & I was unable to change lanes.) & I forget the ticket. These 1st two ones are major driving offenses.
- 1 later I got a pink ticket for 130kph in a 100kph zone. I was up to 8 demerit points, @ 9 you have high chance of losing your license. That’s after the court battles.
This April it will be 3 years since the court date for the 1st 2 major tickets, so they come off my record. The charges will be on my record for 4 more years. I called my insurance broker for new rates. I was quoted with who I’m with currently for $458/month, but got an e-mail today my old provider can take me back & wants $288/month. From $836/month - $288/month that frees up $548/month. I can finally afford to fix the clutch issue & suspension. Maybe some mods too. Next year the speeding ticket comes off & it will be even lower.
I was too exciting to no share this. Insurance in Ontario is stupid expensive, don’t move here if you own a sports car.
"AestheticsInMotion" (aestheticsinmotion)
03/17/2017 at 02:45, STARS: 1
Hopefully it works out and you free up a ton of money for more mods! I had no idea car insurance could possibly be that high.
Also... No offense, but I hope to never be in the same vicinity as you while you’re driving...
"The Crazy Kanuck; RIP Oppositelock" (jukesjukesjukes)
03/17/2017 at 02:51, STARS: 1
That alright. I’ve slowed down, but have also improved as a driver. I’ve been ticket free for 2 years. I also have to start paying off some debt, so I won’t go mod crazy until I have some debt paid off. Ontario has the highest insurance premiums in North America on avg. The car beside you on the hwy might not even have insurance, and be terrible.
"pip bip - choose Corrour" (hhgttg69)
03/17/2017 at 03:22, STARS: 0
i’m sorry to say this,but $836 a month?
holy crap that’s dear! ($288 a month is still dear though)
i don’t pay either amounts for a year.
i’m tossing up to not even bother renewing my insurance. (i will coz i know what will happen if i don’t)
"The Crazy Kanuck; RIP Oppositelock" (jukesjukesjukes)
03/17/2017 at 03:30, STARS: 0
Insurance here is insane, if you have a perfect record you’ll still pay lots. Liability starts at $1,000,000 it goes up to $2,000,000.
"TheHondaBro" (wwaveform)
03/17/2017 at 03:54, STARS: 0
"cluelessk" (cluelessk)
03/17/2017 at 04:39, STARS: 0
Damn. I had 11 demerits in Manitoba and my license was only $7xx a year. Up from the regular $55.
Doesn’t effect my insurance rate though.
Sometimes public insurance isn’t a terrible thing.
"Jarrett - [BRZ Boi]" (jarrettw)
03/17/2017 at 05:04, STARS: 0
Yeah, I’m at 325ish a month for both cars in Ontario now. Dropped 500/year this month! Last time I had a ticket/hit something was in 2010, so I’m finally getting some relief.
Insurance here is dumb.
"random001" (random001)
03/17/2017 at 06:24, STARS: 0
Ontario isn’t in North America! It’s in Canada! Silly...
"random001" (random001)
03/17/2017 at 06:25, STARS: 0
I’m old and learned the value of the track day. Our insurance is $78/m for two people and two cars....
"RallyDarkstrike - Fan of 2-cyl FIATs, Eastern Bloc & Kei cars" (rallydarkstrike)
03/17/2017 at 07:18, STARS: 0
Ouch!!! I think my insurance was like $800-1000 a YEAR or something like that when I was living on my own in residence at uni. Now that I am graduated (since 2011...) and living at home until I can find a full-time job somewhere, I’m on a family plan with my brother (who is in the same boat as me) and mom and it’s down to like....$600 a year I think?
"functionoverfashion" (functionoverfashion)
03/17/2017 at 07:19, STARS: 0
Wow, those are insane rates. Even when I was just out of college and had two or three cars, I paid something like $900 usd per YEAR. Different area, different... everything I suppose.
"Leadbull" (leadbull911)
03/17/2017 at 07:31, STARS: 0
Holy crap, how do you Canadians afford to live?
"64Mali" (ctaaffe64)
03/17/2017 at 08:35, STARS: 0
That is rough, I pay 260 for 3 cars (2x 2016s 1x 2007)
"DasWauto" (DasWauto)
03/17/2017 at 08:39, STARS: 1
Not having to pay for health insurance?
"Full of the sound of the Gran Fury, signifying nothing." (granfury)
03/17/2017 at 08:44, STARS: 0
Insurance companies drive me crazy. I remember discussing them with a co-worker who just had his rates raised after getting yet another speeding ticket. He was complaining that they doubled his rates, yet he was still paying less than me. Key differences between us:
1) He’s about 15 years younger
2) He’s married
3) He drives a newer, faster, sportier car than my little minivan
4) He has multiple moving violations
My big problem? I admitted to the insurance companies that I did not have insurance prior to my buying my car. What they failed to take into consideration, despite my telling them this, I WAS NOT DRIVING and therefore did not need insurance. When I was unemployed I did the right thing and stopped driving since I couldn’t afford registration and insurance, and walked or took public transportation.
So, despite being older, a safer driver, not rushing into marriage (I wonder if he would have if it weren’t for that little accident...), driving a safer and more practical vehicle and having a much cleaner driving record, I get punished because I did the right thing and parked my car when I couldn’t afford to drive it responsibly. This makes absolutely zero sense to me. I try my best to lead an honest and ethical life, but I wonder if I wouldn’t have been better off financially by lying to them in the first place.
"bob and john" (bobandjohn)
03/17/2017 at 09:18, STARS: 0
its ontario mainly. the rest of the provinces (minus BC, but they arent as bad as we are) have rates much more in line with what you guys pay
"bob and john" (bobandjohn)
03/17/2017 at 09:20, STARS: 0
ive SERIOUSLY debating going and getting my permit there (buy some stupid sheep house way the fuck out in the boonies or something) and registering my bikes there.
"Sampsonite24-Earth's Least Likeliest Hero" (sampsonite24)
03/17/2017 at 09:30, STARS: 0
thats a lot, i pay 118 for two cars with full coverage
"404 - User No Longer Available" (toni-cipriani)
03/17/2017 at 09:32, STARS: 0
$2200 for a year for both a 328i and a Solstice. That’s not including the credit I get for putting Kristin on fire and theft only for the Winter.
15 years clean though (on the books, have one reduced to non-moving speeding ticket in NY state years ago).
"404 - User No Longer Available" (toni-cipriani)
03/17/2017 at 09:34, STARS: 0
Some people are saying even if you up it to $2M, these days it’s not even remotely enough.
"benjrblant" (benjblant)
03/17/2017 at 10:44, STARS: 0
I was researching minimum insurance requirements in the US, granted this varies by state, but some places such as California, New Jersey, and Pennsylvania only require $15/30/5, that’s $15k per person, $30k per accident, and $5k in property damage. Source .
Basically, two sprained wrists and a bumper respray.
"cluelessk" (cluelessk)
03/17/2017 at 11:04, STARS: 0
Bike insurance is still pricey. You have to purchase full coverage.
"bob and john" (bobandjohn)
03/17/2017 at 11:05, STARS: 0
my old company wanted 500/month for basic on a SV650 w/ ABS. AND I’m a MSF teacher (which you’d think gives me a break right? nope)
fuck insurance in ontario.
" The Compromiser" (charger)
03/17/2017 at 13:26, STARS: 0
I knew a high risk with a crappy old base Chevrolet Cavalier. $1200/month. I’d be walking at that point. Cabs and busses would be cheaper...