I'm $5339.00 CDN Poorer

"CarsofFortLangley - Oppo Forever" (carsoffortlangley) 09/01/2019 at 19:53 • Filed to: None

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That’s the cost of insurance this year on the Kia Forte & Fiesta. Thi s includes a 40% discount on my basic rates ($1286 on the Fiesta, $1400 on the Forte with the discounts) and a theft prevention (LOL) discount.

Pretty bitter about paying $5300 to the company who is still fighting me on the CX-3

Fiesta: $2362

Pleasure Use, Less than 5000km

$1M 3rd Party Liability

$2M UMP (Underinsured Motorist Protection)

Forte: $2977.00

Business Use

$2M 3rd Party Liabilty

$2M UMP (Underinsured Motorist Protection)

Comp/Collision with a $300 Deductible

Dr. Zoidberg - RIP Oppo > CarsofFortLangley - Oppo Forever 09/01/2019 at 19:59

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That’s a pretty big chunk of income.

CarsofFortLangley - Oppo Forever > Dr. Zoidberg - RIP Oppo 09/01/2019 at 20:01

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I'm dying. CX3 renews on the 15th for another $3K. But I'll be damned before I pay $3K on a car I don't want/have to the company who's trying to fuck me.

BrianGriffin thinks “reliable” is just a state of mind > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:01

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That’s all I gotta say. Wow. Is that, like, a normal insurance rate in Canada?

CarsofFortLangley - Oppo Forever > BrianGriffin thinks “reliable” is just a state of mind 09/01/2019 at 20:02

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Oh no. Just this special province.

MKULTRA1982(ConCrustyBrick) > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:03

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THAT IS INSANE. I’m under 25 (with no at faults) and the most I’ve paid is 2340 annually for my 2.4 Saturn Ion couple in southern Ontario with 9000km a year and it being used for commuting. I am genuinely sorry you are paying so much, that can’t feel good especially considering your current battle with the insurance co 

Spanfeller is a twat > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:04

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Buy a PO box in Alberta and register your cars there.

CarsofFortLangley - Oppo Forever > MKULTRA1982(ConCrustyBrick) 09/01/2019 at 20:04

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I'm 27, no at faults. It's ok, that's the price of admission in Vancouver.  

DAWRX - The Herb Strikes Back > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:10

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The liability amounts seem very very  high...also I’m assuming it’s way cheaper to pay up front than monthly? 

RallyDarkstrike - Fan of 2-cyl FIATs, Eastern Bloc & Kei cars > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:10

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Wow...I’m on a family plan because I am living at home at the moment, but when I was in uni paying a normal full rate for decent coverage on my Subaru, I think it was like $800 a year...?

Dr. Zoidberg - RIP Oppo > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:11

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So that’s 8300 CAD to insure three modern vehicles... that’s like 6300 USD. And that's with your discount. Yeesh.

CarsofFortLangley - Oppo Forever > DAWRX - The Herb Strikes Back 09/01/2019 at 20:14

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You got it. Tack on a few percentage points if monthly

CarsofFortLangley - Oppo Forever > Dr. Zoidberg - RIP Oppo 09/01/2019 at 20:14

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Plus the truck. 1200

MKULTRA1982(ConCrustyBrick) > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:17

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That’s fair, BC really is worth it.

DasWauto > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:19

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O_O

I pay a bit over half that for my ‘09 128i (10k/yr pleasure use) and ‘17 WRX (25k/yr, 15km commute listed) with very similar coverage and deductibles here in Ontario, which is usually considered and expensive market for insurance, BC notwithstanding.    All things considered I guess I’m doing alright considering the WRX isn’t a cheap car to insure.

Dr. Zoidberg - RIP Oppo > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:20

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Truck is worth it. Can’t say the same about the Forte in a vacuum , but it keeps the FiST and truck alive. Except the FiST ain’t cheap either. Obviously the CX-3 was worth every cent if your wife was happy, now it’s just bad juju

CarsofFortLangley - Oppo Forever > MKULTRA1982(ConCrustyBrick) 09/01/2019 at 20:45

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Sarcasm?

CarsofFortLangley - Oppo Forever > Dr. Zoidberg - RIP Oppo 09/01/2019 at 20:46

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The Forte at least I make money on. I get an allowance for it, and it gives me tax advantages.

It all seems insane, but works in my little ecosystem

MKULTRA1982(ConCrustyBrick) > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:49

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No, 100% genuine

dtg11 - is probably on an adventure with Clifford > CarsofFortLangley - Oppo Forever 09/01/2019 at 20:49

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That’s crazy, that’s 4 years of insurance for me 

facw > CarsofFortLangley - Oppo Forever 09/01/2019 at 21:01

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Are those limits normal there? They are way higher than what companies even offer without special arrangement in the US.

I have $250 k each/$500k bodily injury to others, $100k property damage, $100k/$300k injury by uninsured. I believe those were all the most GEICO was offering me through their website (I also have an umbrella policy) . The Massachusetts mandatory limits are even lower ($20k/$40k Bodily Injury, and $5000 property), though obviously those seem absurdly low to me.

vicali > CarsofFortLangley - Oppo Forever 09/01/2019 at 21:10

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Business use k ills you, our Forester is somewhere around $1800 and the Tacoma is just over $2000.

Wonder how the new formulas are going to work out? 

shop-teacher > CarsofFortLangley - Oppo Forever 09/01/2019 at 21:14

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Gadamn. I pay a grand a year for my truck and my wife's CX-5. Which is what, $700 CAD?

Eric @ opposite-lock.com > CarsofFortLangley - Oppo Forever 09/01/2019 at 21:14

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The traditional response is that CAD is worth like a hundredth as much as the USD, but even with the real offset, that’s insane. I thought mine was stiff... Your limits are insanely high, though. Mine are above state limits plus an umbrella policy, which is distinctly cheaper than increasing the limits .

Dr. Zoidberg - RIP Oppo > CarsofFortLangley - Oppo Forever 09/01/2019 at 21:40

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It could be much worse.

[Looks at mortgage payment]

CarsofFortLangley - Oppo Forever > facw 09/01/2019 at 21:42

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Minimum in Canada is $200K. Due to how litigious BC is, yes these are normal

M.T. Blake > CarsofFortLangley - Oppo Forever 09/01/2019 at 22:10

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That’s insane. I paid $160 a year to insure my former Camaro at $40,000.

Urambo Tauro > CarsofFortLangley - Oppo Forever 09/01/2019 at 22:12

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I don’t want to think about how much in total I’ve paid to insurance without filing claims. ALL THAT MONEY, just to keep some paper in the glovebox. What a waste.

CarsofFortLangley - Oppo Forever > Spanfeller is a twat 09/01/2019 at 23:55

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That’s fraud.  I’ve investigated a few people for residency fraud

Spanfeller is a twat > CarsofFortLangley - Oppo Forever 09/01/2019 at 23:59

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Oh dang. Um... set up a rental car company in Alberta, rent yourself your cars, and then, um. I dunno.
I was joking, to be honest.

CarsofFortLangley - Oppo Forever > Spanfeller is a twat 09/02/2019 at 00:12

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lol, I know.  But, people have not jokingly had the same thought.  All good until you crash!

CB > CarsofFortLangley - Oppo Forever 09/02/2019 at 01:44

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I'll let you know what I pay in a few days.

CarsofFortLangley - Oppo Forever > CB 09/02/2019 at 01:53

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Less I bet!

CB > CarsofFortLangley - Oppo Forever 09/02/2019 at 01:56

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I only own one car, so I hope!

pip bip - choose Corrour > CarsofFortLangley - Oppo Forever 09/02/2019 at 04:39

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ouch!

fintail > CarsofFortLangley - Oppo Forever 09/02/2019 at 18:50

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Hilariously bad. I am just over 1500 USD for full coverage on both cars, and the wagon  isn’t exactly a cheap machine. Of course, I am also a broken down old man, so maybe I am seen as a low risk.

CarsofFortLangley - Oppo Forever > fintail 09/02/2019 at 19:09

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Im maxed out for discounts. I could be 55 making a million a year, it would not go down

fintail > CarsofFortLangley - Oppo Forever 09/02/2019 at 20:29

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Insanity. I suspect your coverage might be higher than mine, but for me to hit that level would add probably just several percent to my bill.

I have to disagree with someone else and say this is another realm along with housing where BC is not worth the price of admission.