Insurance rates Vastly change depending on what province you live in, most western provinces offer Provincial Insurance, while Ontario Souly relys on Independant Insurance companys.
Ontario 6 years ago anyone under the age of 23, with a clean driving record would have been paying round the $3000 mark, it's almost doubled since then.
Ontario is the Worst Province for insurance rates, and Insurance companies over charging their customers.
Rates differ by where you choose to live too.
If I moved 3 km west, my rate would drop $500/yr and if I moved out of the city completely, to a small town, they'd drop another $500.
i pay 2100$/year (mods included) , im 24 y/o (got my driving license at 20 y/o),
i have a 2001 SE Sport Sedan with 8000$ of mods, very low mileage (4 years -> 37000km)
$2602 a year, male 33
'05 Focus, last claim on my record dates back to June '02
I live in a pretty decent area now, I'd hate to see how much more I'd be paying if I was still living in that rental rathole :ph34r:
NefCanuck
Holy fack some of you guys pay so much $$$ for insurance. I would never afford it. How does anyone? Whats minimum wage out in Ontario now anyway.
Also what does the age have to do with your cost?
31 y/o male. 1 at fault accident 1.5 years ago.
2002 ZX5 fully covered. 5km drive to work.
$2750 yr for insurance.
17y/o male, no tickets, no accidents. $1650/year. Mind you I drive a Ranger, for the focus and mods I paid about 1800. My family has always had 2-3 vehicles every year, plus our house etc insured, plus my dad did insurance work for the company.
22 yrs old, Kelowna BC - 20% discount for safe driving
91 Mazda Protege - $80, 12 month payment plan
01 Focus ZX3 - $180, 12 month payment plan
ZX3TUNR,Jan 19 2006, 12:33 AM Wrote:Holy fack some of you guys pay so much $$$ for insurance. I would never afford it. How does anyone? Whats minimum wage out in Ontario now anyway.
Also what does the age have to do with your cost?
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Well, I pay around 4 000$/year, And im only 19 with 4 tickets. no accidents and my insurance is plain jane! no nothing on my mods....something happen to the car I don't get anything back.
i pay about 5000 a year for both my cars, full coverage, no tickets, no mods (that they know of)
what companies are you guys with? just wondering what everyone uses
Crazirich,Jan 19 2006, 10:22 AM Wrote:what companies are you guys with? just wondering what everyone uses
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Im with Pafco.
RBC Insurance. 10% discount for home and car insurance through them.
2003 SVT Focus (ST170 in UK)
26 year old male (no discounts or demerits)
$1600 a year base/$1700 year extra coverage & reduced deductible
I'm 18, I got a clean record and guess what I pay? $5400 a year........I can barley afford to pay it, my parents help me out half the time. I'm prayin for it to at least go down to $4400 when I need to renew my insurance in June. i hate insurance.........
And they dont know about my modifications, i'll never tell them.
Burnin21,Jan 19 2006, 11:27 AM Wrote:I'm 18, I got a clean record and guess what I pay? $5400 a year........I can barley afford to pay it, my parents help me out half the time. I'm prayin for it to at least go down to $4400 when I need to renew my insurance in June. i hate insurance.........
And they dont know about my modifications, i'll never tell them.
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Ok! You pay alot!!!
Thats what I paid on my 88CRX when I was 17. $5400 a year. Had 2 jobs, 1 to pay for insurance, 1 to pay for everything else. :rolleyes:
35 years old
- 2005 ZX5
- 1999 Escort (hey i paid a dollar for it...and it's mint...well, except for all the fawking dog hair in it)
$2316/yr
Now, i believe in alberta tickets don't affect your insurance, they do however affect your plates..
example. I got 2 speeding tickets, and never paid them..(OOPS)...so when i went to renew my plates ..instead of paying the regular 55 bucks, it cost me $369...now that was a nice shock i tell ya.
Alberta sucks bum for insurance, but it is the only province that gives us 400 bucks just for living here...bwahhahhahahhaahah
I'm 26, have 3 cars under my insurance and two of those cars are not on the road as of right now.
1966 Mustang - $ 45 a month ( stored away for the winter )
1990 GMC pick up truck ( in the drive way $15 a month )
2001 Focus Sedan on the road, and daily driver $342.78 a month
$402.78 a month with everything all together.
and that is with one accident ( my fault - hit a snow bank ) and one speeding ticket last year. I'm planning on doing another chaing of companys again soon......
Wow, another reason I'm glad I dont live in Ontario. I'm paying just over $1000/yr for plates on my 2002 ZX3, with my 16% safe-driver program discount.
When I was 17 and got my first car (1986 Pontiac Acadian) it was just over $400/yr.
If I lived in Ontario I could afford to either make my car payment OR my insurance payment, not both :P People in SK complain about SGI's insurance rates and how they run the company, but I'm sure they'd complain a lot more if they were paying 5-6 times more for insurance.