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Insurance Advice?

Old 22-Apr-2008, 06:25 PM
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Question Insurance Advice?

I recently went to State farm to get a quote, but i've been turned down b/c my father has 2 tickets w/i the last 3 years and i've recently gotten into an accident last year.

My family is currently insured under economical mutual, but the rates seem quite high even if i consider having an accident. So I'd like to ask where I should go check next?

Info:
Age:20 (21 This year)
Car: 08 Civic Coupe
License: G - Driving for 3-4 years
Accidents: 1 (Was not issued a ticket by the officer, but @ fault?)
Tickets: 0

Also, what would be a good price for insurance if I were to become primary of my own vehicle?

Any help would be apprciated . Thank you.
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Old 22-Apr-2008, 07:05 PM
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how many cars, how many drivers in the household?

on your own, I'd guess about $260-300 a month might be reasonable.

lots of great places offer insurance. this one spot gives you a bunch of quotes:

http://www.kanetix.ca/
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Old 22-Apr-2008, 07:19 PM
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call belair as well. State Farm is shiat for anyone without a clean record.
If you dont have luck with Belair try Pembridge, but you'll have to go through an insurance broker for pembridge.
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Old 22-Apr-2008, 11:36 PM
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Thank you for the responses.

Currently looking to insure 2 cars, 4 drivers - mother, father, sister and I.

How do brokers work? I was thinking of one, but I'm not well informed about them? How do you pay them and does it matter which broker you pick? Worth it?
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Old 23-Apr-2008, 01:13 PM
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i dunno about brokers, not sure how they work but they're a profit seeking enterprise so i imagine they add in a margin for their services. but with sites like kanetix why would you need a broker?

i think the way insurance co's price out 2 cars w/ mult drivers is to assign automatically the two riskiest drivers, one to each car, as primary. that way they're well protected and 'correctly' priced given the risk. but ya, check that site.
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Old 05-May-2008, 12:01 PM
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I insured with State Farm - happy like newer before . TD insurance got me 3 times higher than this .
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Old 08-May-2008, 09:38 PM
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call td insurance , they are the cheaper out there . You can actually get everything set up on the phone and you dont need to go anywhere.

As per your accident , i had the same problem however for some reason TD said my record is clean . I was turned down by state farem because i had an accident but somehow it went away or td just does not see it !!
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Old 12-May-2008, 11:34 AM
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In Ontario it doesn't matter who's "at fault", you're both guilty of just *being* in the accident and that is a strike against you. If you listen carefully to the question they ask you at the ins. company, they ask if you've been *involved* in an accident, or they ask "how many at-fault or not-at-fault" accidents you've been in. (What other kinds are there?)
I'm in the process of trying to change companies, and they're a pain. All overpriced.
I might just take the bus. Price of fuel + insurance, I'll have no money to do anything once I drive anywhere!
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Old 12-May-2008, 02:00 PM
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Originally Posted by username View Post
In Ontario it doesn't matter who's "at fault", you're both guilty of just *being* in the accident and that is a strike against you. If you listen carefully to the question they ask you at the ins. company, they ask if you've been *involved* in an accident, or they ask "how many at-fault or not-at-fault" accidents you've been in. (What other kinds are there?)
No. It does matter who is at fault when it comes to the effect on your insurance rates, and being in an accident is not an automatic strike against yor or your insurance rates.

Fault in a collision gets determined not only according to whether or not charges are laid, but how your vehicle played a part in the collision. The rules for determining fault in a collision are laid out in Ontario law according to Regulation 668 under the Ontario Insurance Act. http://www.e-laws.gov.on.ca/html/reg...s_900668_e.htm

If you are considered not at fault in a collision, there should be no effect at all on your insurance rates.
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Old 12-May-2008, 04:02 PM
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I was told by an insurance broker that it didn't matter who's at fault...
Interesting..

EDIT:

This statement is funny:
"If you are considered not at fault in a collision, there should be no effect at all on your insurance rates."

Think of comprehensive claims like a broken window or stolen stereo, they cause your rates to go up right? But not your fault...
A little off topic, but something to ponder.
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Old 12-May-2008, 04:21 PM
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^ you also dont know who did it so your insurance company has to cover it. Little different when u get t boned by somone who has insurance and can be held accountable isnt it?
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Old 13-May-2008, 07:46 AM
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Sure is different, but very similar to a hit-and-run...
Anyway, I'm not arguing the point, it was just a thought...
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Old 13-May-2008, 09:48 AM
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Originally Posted by username View Post
Sure is different, but very similar to a hit-and-run...
Anyway, I'm not arguing the point, it was just a thought...

Not similar at all.

Being deemed at fault for a collision reflects directly on your driving skills and/or judgment. If you have one at-fault collision, statistics indicate that you will also be at far greater risk to have another at-fault collision in the near future than someone who has never been in an at-fault collision.

Your rates are based on your risk of getting in a collision, so the more collisions you have, the greater the risk of yet another one in future and the higher your rates go.

Being hit by a hit and run driver is a reflection on that other (hit-and-run) driver's skills and judgment, not your's. Unless you're constantly getting hit-and-run all the time, your rates won't be affected. I've had two hit-and runs in the past four years, both reported to the insurance company, and my rates were not affected.

Making a claim for vandalism or theft is a more a reflection on where you park and not on your driving skills. Because most people tend to park most frequently in the area where they live, and because insurance rates are based on your place of residence and the insurance company's claims experience for other vehicles they insure in that area, that risk is already factored into your insurance rates even before you make that theft or vandalism claim.

At most you might lose any "claims-free" discount, but even that has minimal effect on rates unless you're constantly making that kind of claim. I made two claims in a 3 year period on one vehicle, one for a bad windshield chip (new windshield) and one for a smashed side window when someone broke into my car, with no discernible effect on my rates.

Last edited by FiveO; 13-May-2008 at 11:30 AM.
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