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post #1 of 79 Old 04-16-2011, 12:45 AM Thread Starter
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Car Insurance

I hate car insurance

Last year our premiums went up so I was able to take off some coverage so I can afford the insurance. I was paying about $311/month.

Our province in Ontario made some changes to auto and home insurance which means I'm now paying $384/month!!!!!!! I've had my full license for 4 years and I've been driving for 6 years now. No tickets or accidents.

Just wanted to rant because this totally sucks
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post #2 of 79 Old 04-16-2011, 01:33 AM
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Ouch. That's really high. I just changed the insurance and car to my name a few weeks ago. I went with a different insurance company then my parents. I got it for $180.00 even, with extra coverage options. I did get a work discount but I still thought it was high. But I guess for just switching it to my name for the first time it's not too bad.


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post #3 of 79 Old 04-16-2011, 02:13 AM
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Just today I got the Progressive Snapshot device thingy in an effort to reduce my insurance. (127/month for 0$ deductible) Here's hoping it benefits me and doesn't raise my rates!

Give a man fire, he'll be warm for a night. Light a man on fire, and he'll be warm for the rest of his life.

An apple a day, thrown hard enough, will keep anyone away.
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post #4 of 79 Old 04-16-2011, 04:32 AM
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I pay $230/month with Nationwide. That's mostly due to my driving record.
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post #5 of 79 Old 04-16-2011, 12:39 PM
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Quote:
Originally Posted by meow_mix450 View Post
I hate car insurance
Ontario made some changes to auto and home insurance.
Just wanted to rant because this totally sucks
Sure does. Got shovelled to us saying "We've given you more options" but it just meant we can reduce bits of coverage and up the rates.
If I were in business, I would want it to succeed, and I would charge what the market can bear. But quarter after quarter of record profits?sigh. At least I'm old, and with house and two car collision coverage I am paying 'just' 230/mo.

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post #6 of 79 Old 04-16-2011, 02:49 PM
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shit on my spec v i'm paying 350 a month and that just for the spec v! throw allstate
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post #7 of 79 Old 04-16-2011, 03:10 PM
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Wink

I think part of the problem is government corporate taxes.

All the social services the government wants to handout to the public have to come from somewhere. Private sector.

Example cell phones services.

if the payment is 49.99, that 49.99 is profit for the private business
if they have 1,000,000 customers, 49.00 X 1,000,000 = 49,990,000 Dollars

now the corporation has to pay 8% corporate tax out of 49,990,000
so they actually make 45,990,800

Corporation says screw that...let the customer pay the 8% tax
infact... lets add all the government regulation fees, surcharges...
we are in business to make money baby!!!!!



it sucks!!
I'm not talking bad about the government, that's just the way it is.
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post #8 of 79 Old 04-16-2011, 03:12 PM
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Quote:
Originally Posted by Mogh View Post
Just today I got the Progressive Snapshot device thingy in an effort to reduce my insurance. (127/month for 0$ deductible) Here's hoping it benefits me and doesn't raise my rates!
what's a Snapshot?
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post #9 of 79 Old 04-16-2011, 05:17 PM
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It's this little chip thingy that plugs into the car and tattle tales all the bad driving I do. It measures speed, distance driven, time of driving, G-forces and emergency starts and stops. You leave it in for about 60 days and then they base new policy prices off of it.

Things that can negatively affect your policy include speeding, driving over 40 miles a day, driving between midnight and 4am, hard cornering and accelerating or decelerating more than 7mph in a 3second span.

The best thing is if your a bad driver and it's gonna make your rates go up instead of down they automatically cancel it and your rates stay the same. Several insurance companies have them, check with yours.

Give a man fire, he'll be warm for a night. Light a man on fire, and he'll be warm for the rest of his life.

An apple a day, thrown hard enough, will keep anyone away.
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post #10 of 79 Old 04-16-2011, 05:33 PM
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Don't forget that where you live impacts your insurance rates. Also, When looking at cars and gathering quotes, Honda would have cost me or my brother much more to insure. I'm hoping that after a year with them that my insurance rates will drop.

We pay a lot of money in taxes to support those in lower economic situations here in Hamilton. In Ontario, We pay much more for fuel, cell phones, houses, etc and are taxed 13% on everything now.


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