12-01-2012, 11:59 PM
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#41
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Lifetime Suspension
Join Date: Jun 2008
Location: On my metal monster.
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Quote:
Originally Posted by iLoveLamp
2012 Scion XB, $4800/year. Clean driving record, 21 years old, 2 years of driving
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but why?
You're 21, go under your parents insurance and save $3000.
Seriously, I'm 22 and am on my dad's insurance for my 2006 Cobalt (which we bought new), and we pay around $1000 for a year. I know a '06 Cobalt and a '12 Scion aren't the same, but my rate the day I bought the Cobalt (under my dad's insurance) was still only $2300.
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12-02-2012, 01:00 AM
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#42
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Lifetime Suspension
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$960 for a 2009 Jeep Grand Cherokee
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12-02-2012, 01:24 AM
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#43
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Franchise Player
Join Date: Feb 2006
Location: Calgary
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2007 Honda Civic SI, 20 thousand KM per year, full coverage. $1300 per year. TD Meloche Monex.
My house insurance is pretty cheap though, since I coupled it with my car insurance. It's only $350 a year.
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12-02-2012, 02:31 PM
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#44
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Lifetime Suspension
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Quote:
Originally Posted by JonDuke
$1600/year for full coverage on a 2009 BMW 3 Series. With 4 speeding tickets in the 2 years prior to our last renewal. 2 of the tickets will be "clear" next time we renew so hopefully it'll be a bit cheaper.
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How long does it take for a typical speeding ticket to "clear" off your driving record?
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12-02-2012, 02:41 PM
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#45
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Franchise Player
Join Date: Feb 2006
Location: Calgary, AB
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Quote:
Originally Posted by Rudee
How long does it take for a typical speeding ticket to "clear" off your driving record?
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In Alberta, it's two years from the conviction date: http://www.transportation.alberta.ca/2172.htm
The conviction date is the day the fine was paid, not the date of the offence.
__________________
Turn up the good, turn down the suck!
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12-03-2012, 10:50 AM
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#46
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Scoring Winger
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Quote:
Originally Posted by Iginla
Turning 25 will make it a bit cheaper for you.
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I always thought this was the case, but I just turned 25 in October, and phoned MelocheMonnex, and they said it was already "built in" or something and my premiums wouldn't be going down, so I'm paying the same price as I am when I first went with them at 22. What gives?
I will be shopping around shortly as I'm currently at $120/month and Kanetix shows me some cheaper places.
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12-03-2012, 11:39 AM
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#47
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Franchise Player
Join Date: Nov 2006
Location: Supporting Urban Sprawl
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I think the hitting 25 thing isn't as much of a factor now that GDLs are around. I really don't understand how it works though.
__________________
"Wake up, Luigi! The only time plumbers sleep on the job is when we're working by the hour."
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12-03-2012, 11:48 AM
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#48
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Scoring Winger
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My insurance dropped quite a bit when I turned 25 as it allowed me to go on my Company group plan. Turning 25 is still a factor for some discounts.
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12-03-2012, 12:17 PM
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#49
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Franchise Player
Join Date: Apr 2003
Location: Not sure
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Quote:
Originally Posted by getbak
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That's for dermerits. For the purposes of insurance companies, they stay on for 3 years.
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The Following User Says Thank You to GoinAllTheWay For This Useful Post:
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12-03-2012, 12:22 PM
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#50
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Franchise Player
Join Date: Aug 2005
Location: Calgary
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I pay 1050/year via wawanesa
driving 13 years
2001 car
basic coverage
2 normal speeding tickets in last 10 years, 1 court appearance speeding ticket (11 years ago)
__________________
MYK - Supports Arizona to democtratically pass laws for the state of Arizona
Rudy was the only hope in 08
2011 Election: Cons 40% - Nanos 38% Ekos 34%
Last edited by mykalberta; 12-03-2012 at 12:46 PM.
Reason: oops 1050
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12-03-2012, 12:36 PM
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#51
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First Line Centre
Join Date: Oct 2010
Location: Deep South
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I think the drop in premiums come from driving for 7 years, not when you turn 25. My insurance dropped basically in half when my girlfriend hit 7 years of driving last year.
Not entirely sure if this is true for all companies, but we have Desjardins and its the 7 year rule. Probably to offset all the people who are starting to drive much later in the lives.
__________________
Much like a sports ticker, you may feel obligated to read this
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12-03-2012, 01:07 PM
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#52
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Scoring Winger
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Quote:
Originally Posted by mrkajz44
I think the drop in premiums come from driving for 7 years, not when you turn 25. My insurance dropped basically in half when my girlfriend hit 7 years of driving last year.
Not entirely sure if this is true for all companies, but we have Desjardins and its the 7 year rule. Probably to offset all the people who are starting to drive much later in the lives.
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Maybe that's it then. I was on my dad's insurance til about 5 years ago.
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12-03-2012, 02:46 PM
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#53
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Backup Goalie
Join Date: Jan 2012
Location: Calgary, Alberta
Exp: 
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Quote:
Originally Posted by getbak
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The tickets actually will stay on your record for a three year period and accidents for six years.
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12-03-2012, 04:27 PM
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#54
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Franchise Player
Join Date: Dec 2005
Location: back in the 403
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Quote:
Originally Posted by Winsor_Pilates
Just renewed, $1900 for the year.
12 years driving experience, completely clean record. ICBC suck!
I'm sure it would be much lower in Alberta.
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There was nothing I was happier about when I moved back from BC to Alberta a few years ago than knowing I never have to deal with ICBC again.
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12-03-2012, 05:18 PM
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#55
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Franchise Player
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I don't really get the ICBC hate, at least in terms of rates. I pay about $1000-1100 a year for full coverage w/ $2M liability on a car worth about $12K. Out of curiosity I went through a multi-quote site for Alberta insurance and the quotes ranged between $1523 and $2198.
I did have a fender bender about 5 years ago; maybe ICBC is more lenient about that kind of stuff.
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12-03-2012, 05:25 PM
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#56
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Franchise Player
Join Date: Dec 2005
Location: back in the 403
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I wasn't even referring to monthly insurance payments. More to do with the ridiculous hoops they make you jump through as an out of province resident.
Was just constant headaches dealing with them the whole time I was there. They still owe me $200, I'll never see it though.
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12-03-2012, 06:02 PM
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#57
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Scoring Winger
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Quote:
Originally Posted by 3 Justin 3
but why?
You're 21, go under your parents insurance and save $3000.
Seriously, I'm 22 and am on my dad's insurance for my 2006 Cobalt (which we bought new), and we pay around $1000 for a year. I know a '06 Cobalt and a '12 Scion aren't the same, but my rate the day I bought the Cobalt (under my dad's insurance) was still only $2300.
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Neither of them went for that, I tried. Even though I drive perfectly safe, they don't want me to mess up the cost of their insurance. Good parents, eh?
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12-03-2012, 06:47 PM
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#58
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Franchise Player
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Quote:
Originally Posted by iLoveLamp
Neither of them went for that, I tried. Even though I drive perfectly safe, they don't want me to mess up the cost of their insurance. Good parents, eh?
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Makes sense to me.
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12-04-2012, 09:08 AM
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#59
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Backup Goalie
Join Date: Jan 2012
Location: Calgary, Alberta
Exp:
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Wehn your dealing with qoutes on insurance, you have to make sur ewhat coverage you have vs what someone else may have. For example.... Someone might say they have full coverage. That person may indeed have full coverage (liability, Collision and Comprehensive)The question is this. What EXACTLY do they have..... deductible amounts, loss of use limits...etc. The list can be quite detailed if you don't really know what to look for. Most people don't even know how to read their own insurance documents. The odd person does but for the most part.....most don't have a clue as to what they have coverage for anmd what the loimits are on their policy.. Be aware as to what coverage you have. If you are unsure than call your agent and ask. They should help you. If they don't.......simple........leave for anyther company.
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12-04-2012, 05:41 PM
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#60
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Lifetime Suspension
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93Hound is the guy that writes the fine print on your policy.
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The Following User Says Thank You to zamler For This Useful Post:
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