insurance and tickets
hey guys
im thinking about switching to td insurance but when i called for a quote they denied me because of my mufler tip im guna get al that replaced but i got 2 tickets one for a loud muffler tip and one for tinted windows are these considered tickets that would affect my insurance because when they ask about tickets i dunno if i shud state these or not |
I believe insurance should only be concerned with moving violations (speeding tickets, etc.).
When getting a quote for insurance, don't tell them about any mods to your car or they will not cover you or even give you a quote. |
Originally Posted by MPR
(Post 1467270)
I believe insurance should only be concerned with moving violations (speeding tickets, etc.).
When getting a quote for insurance, don't tell them about any mods to your car or they will not cover you or even give you a quote. i was worried that id be blacklisted if i didnt tell them my mods because i heard TD check your cars can anyone confirm/deny this |
Insurance cares about all tickets, except parking tickets. So yes, muffler tickets can and probably will effect you.
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^ so i SHOULD tell them?
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do yourself a favour and do not go with td
they are the most **** insurance company when it comes to mods... And i believe you have an engine swap to right (b20)?? ... If you dont want to have a cancelation record on your file , go somewhere else.. I have td with my mazda 3 and those guys dont even want rims in my car PLOP |
Originally Posted by bengali548
(Post 1467303)
^ so i SHOULD tell them?
Yup to you if you want to tell them. I switched my insurance from State Farm to RBC, I told RBC nothing. I don't want them knowing my modifications. If it comes up in the future has to why I didn't tell them I will worry about it then. |
Originally Posted by miss_jess
(Post 1467318)
Technically if you don't, you could be cancelled for material misrepresentation... its pretty serious. However, I doubt highly TD has a program which allows them to 'blacklist' people. I could be wrong but yeah.
Yup to you if you want to tell them. I switched my insurance from State Farm to RBC, I told RBC nothing. I don't want them knowing my modifications. If it comes up in the future has to why I didn't tell them I will worry about it then. |
State farms is very expensive for young people... I ve only had 1 experiences with state farm and they both suck
FIRST 19 , G license , 1 accident , 1993 Jetta Quote - 12 500 $ full coverage , 10 500 one way ( yearly quote) I ended finding a different insurance for 4300 a year , average quote was 6500-8000 a year ( one way all of them) I guess they do have decent rates for older people ( like 35 +) ... Most of the older people i know are with state farm becuase they get better rates.. But if you are under 25 ( or even 30) , then you ll probably want to look somewhere else ( bel air , td , rbc) |
Originally Posted by Sumol15
(Post 1467375)
You work at State Farm, don't you get some sort of employee discount? How much better is RBC if that is the case?
To be honest, I love saving $90/month but I am nervous being with another insurance company. State Farm is a GREAT company. People have had bad experience but you get that with every company. Overall, State Farm is more expensive but you get what you pay for. I know for a fact, if I were to have a loss with while with State Farm I would be looked after. It’s a security feeling being with a great company. |
Originally Posted by rick10
(Post 1467412)
State farms is very expensive for young people... I ve only had 1 experiences with state farm and they both suck
FIRST 19 , G license , 1 accident , 1993 Jetta Quote - 12 500 $ full coverage , 10 500 one way ( yearly quote) I ended finding a different insurance for 4300 a year , average quote was 6500-8000 a year ( one way all of them) I guess they do have decent rates for older people ( like 35 +) ... Most of the older people i know are with state farm becuase they get better rates.. But if you are under 25 ( or even 30) , then you ll probably want to look somewhere else ( bel air , td , rbc) State Farm actually is great for young drivers... as long as they have no at fault accidents or tickets. State Farm is horrible is you have even 1 ticket. However, if you are clean... State Farm is a great choice. |
Originally Posted by miss_jess
(Post 1467431)
State Farm actually is great for young drivers... as long as they have no at fault accidents or tickets. State Farm is horrible is you have even 1 ticket. However, if you are clean... State Farm is a great choice.
I m clean now ! Maybe i should call them back and see !:smile: |
Originally Posted by rick10
(Post 1467434)
I m clean now ! Maybe i should call them back and see !:smile:
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Originally Posted by miss_jess
(Post 1467441)
... Wait until September :thumb:
whats going on in september??? |
Originally Posted by rick10
(Post 1467449)
whats going on in september???
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Originally Posted by MPR
(Post 1467270)
I believe insurance should only be concerned with moving violations (speeding tickets, etc.).
I don't know if I've been wrong for a while or if it's a recent change, but why does forgetting your insurance card make you a riskier driver??
Originally Posted by miss_jess
(Post 1467318)
Technically if you don't, you could be cancelled for material misrepresentation... its pretty serious. However, I doubt highly TD has a program which allows them to 'blacklist' people. I could be wrong but yeah.
Yup to you if you want to tell them. I switched my insurance from State Farm to RBC, I told RBC nothing. I don't want them knowing my modifications. If it comes up in the future has to why I didn't tell them I will worry about it then. |
Originally Posted by BlitzSix
(Post 1467456)
Well you are the expert since it appears you work at State Farm, but would they not check his driving record before giving him insurance? It seems improbable that they would cancel him for material misrepresentation, since they have the ability to check his record and it's not a serious thing anyways.
In regards to material misrepresentation, I actually read his post wrong it seems. I thought he meant not telling them about his muffler, I didn't read it as not telling him about his ticket....... |
Ive heard on the radio this morning that insurance will go down 1% in September as well, is this true? Wow im gonna be saving like $0.90 a month lol
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Originally Posted by jdm ek4
(Post 1467505)
Ive heard on the radio this morning that insurance will go down 1% in September as well, is this true? Wow im gonna be saving like $0.90 a month lol
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Hell yeah lol
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Originally Posted by jdm ek4
(Post 1467560)
Hell yeah lol
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Originally Posted by miss_jess
(Post 1467431)
State Farm actually is great for young drivers... as long as they have no at fault accidents or tickets. State Farm is horrible is you have even 1 ticket. However, if you are clean... State Farm is a great choice.
-B |
Originally Posted by F8i
(Post 1468289)
when I was 17 or 18 (many years ago) State Farm wanted $575 a month ($6000 a year) while I was going to College for my 90' Civic HB dx. I had a Clean record. That's not very forgiving for students/young people.:pout:
-B Driving while young is overall expensive. When kids buy cars they always forgot to include the amount of insurnace on top of the car price. Insurance comes with buying a car... its unavoidable. |
stay away from td ..plain and simple yes they are cheap BUT I had....HAD insurance through them and was all good than they told me that i had to bring my car to an inspection ...so i did a month later ,I got a letter saying CANCELED lol .I asked could i just take the rims off and come back they said "yes but not with this car",(even though they are honda rims)....
Auto insurance - Desjardins call them<---..but this time around your car has been returned to stock .....you have cheap insurance .No driving school ,one ticket,20 years old g2 175$ a month |
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