Quote:
Originally Posted by GGG
Does anyone have insurance rates like these people in that report are getting? I found a comparable person that has a 4 year older vehicle with less than half the milage in that report and the report has them paying 25% more.
Do the government insurers offer bundling and discounts for adding house coverage? The report specifically indicates they don’t apply any of those discounts. In a private insurer province you’d expect the bundling and discounts to be higher then in a government only province.
That said insurance of vehicles and house should be regulated with an overhead plus profit model based on actuarial predictions.
Edit: I figured out what they did. They took the median insurance offer from the provinces with private insurers and not the minimum offer. I think this is a misleading methodology as in genera you should be shopping for insurance. In general Alberta is still more expensive but it makes it closer rather than double.
In genera where Albertans get screwed is kids learning to drive being double the non private sector provinces.
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I moved to SK and the insurance here is about 10% more with the same vehicles than it was in AB. Anecdotal and tough to compare company by company, but that's my story.
Mind you, the insurance here seems like a way better set up too, as the plates themselves cover some insurance so you literally cannot drive with a license plate and be uninsured to some degree. I believe the 'plate' insurance covers about $250k liability. Then you can add on separate policies on top if you want more.
Sadly they also did the out of jurisdiction scam thing where you have to get your vehicle inspected for conjured up reasons and then an autobody shop gets to go make up a bunch of #### you have to do to your vehicles with little to no real improvement in safety so that mechanics get a little bit of money, for some reason. Such a scam.