insurance and tickets
21-Jul-2010, 10:51 AM
#1
Senior Member
Thread Starter
Join Date: Jul 2008
Posts: 1,616
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
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
21-Jul-2010, 11:01 AM
#2
Inactive
Join Date: Sep 2007
Location: Where my car is.
Posts: 5,460
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.
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.
21-Jul-2010, 01:23 PM
#3
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Thread Starter
Join Date: Jul 2008
Posts: 1,616
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
21-Jul-2010, 01:43 PM
#6
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Join Date: Jan 2008
Location: Mississauga
Posts: 1,672
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
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
Last edited by rick10; 21-Jul-2010 at 02:04 PM.
21-Jul-2010, 02:54 PM
#7
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.
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.
22-Jul-2010, 02:30 AM
#8
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Join Date: Mar 2009
Location: Mississauga
Posts: 925
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.
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.
22-Jul-2010, 11:29 AM
#9
Senior Member
Join Date: Jan 2008
Location: Mississauga
Posts: 1,672
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)
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)
Last edited by rick10; 22-Jul-2010 at 02:04 PM.
22-Jul-2010, 02:29 PM
#10
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.
22-Jul-2010, 02:30 PM
#11
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)
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.
22-Jul-2010, 02:39 PM
#12
Senior Member
Join Date: Jan 2008
Location: Mississauga
Posts: 1,672
I m clean now ! Maybe i should call them back and see !
22-Jul-2010, 04:27 PM
#16
Senior Member
Join Date: Nov 2007
Posts: 173
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??
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.
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.
22-Jul-2010, 04:55 PM
#17
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.......
23-Jul-2010, 09:42 AM
#19
