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Just got my renewal... quite a significant jump in the annual premium this year. No changes to my driving record. Anyone else on the same boat? |
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Mine went up 5% approx. |
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mine also has gone up #firstworldproblems |
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Originally Posted By: phoenixrage Mine went up 5% approx. |
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GOOD /grumpy cat (bitter since they won't let me add the R, so now all you guys can pay more, ha) |
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Originally Posted By: eddie _82 Originally Posted By: phoenixrage Mine went up 5% approx. oh.. not with hagerty... im with johnson. sorry, didn't realize you were only looking for people who were with the exact same company. |
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shit went up from like 400 to 700 ridic. |
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Ruh roh. Notice all insurance rates are being jacked ? Then they can drop them to give you that 15%. Trololol |
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Originally Posted By: spd-dmn shit went up from like 400 to 700 ridic. Now I don't feel so bad. But I still got a 36% jump.... |
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It's supposed to go down every year with them. Wtf |
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You gonna get raped too! |
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doh, i am calling for insruance on my two cars for next week, now i am worried lol |
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You get them appraised already? |
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changed from rbc to another "bank" it went down for me.. |
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lancia - $38,000 mustang - $38.00 |
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Fiero: $0.38 |
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did you call to complain/get an explanation? if mine goes up... they may lose a customer. |
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Insurance in this province is such a fucking scam.. Who can I vote for that will change it? |
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Originally Posted By: Euphoric did you call to complain/get an explanation? if mine goes up... they may lose a customer. I'm going to just in case they made a mistake (happened two years ago with them) but if they didn't then it's going to be nothing but a bunch of canned responses. |
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are you dealing with Lant? becuase you shoulddeal direct with Hagerty. I just got a quote of $956 for both cars. Lancia 38k (nice guess Screamin lol) and mustang $9500 |
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i'm with johnson's too. FULL coverage with rental on the tsx $20,000 car is only $60 a month more than the RSX a $1500 car on a good day with 3rd party so they didn't even pay me for the damn thing. fucking crooks. |
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956 together??? thats crazy cheap wtf |
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They are charging $3.99 for the mustang so...it's aight |
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Originally Posted By: spd-dmn 956 together??? thats crazy cheap wtf Are you dealing with lant or hagerty ? |
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Originally Posted By: zc911 are you dealing with Lant? becuase you shoulddeal direct with Hagerty. I just got a quote of $956 for both cars. Lancia 38k (nice guess Screamin lol) and mustang $9500 who's that with?! |
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Originally Posted By: Euphoric Is that with RBC or State Farm or ING or PC? Derp. |
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lol |
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mine is same but changed for better but i went to a civic from the tig. im also gonna switch my condo insurance to get a 10% off for bundling. im with pc (aviva) |
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Originally Posted By: c2k Originally Posted By: Euphoric Is that with RBC or State Farm or ING or PC? Derp. wow You off your rocker today? Between the pm to buy my car today and then changing your mind within 20 seconds because your "buddy" said so and now this....brb CTRL+ALT+DEL |
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Originally Posted By: Risky Business Originally Posted By: c2k Originally Posted By: Euphoric Is that with RBC or State Farm or ING or PC? Derp. wow You off your rocker today? Between the pm to buy my car today and then changing your mind within 20 seconds because your "buddy" said so and now this....brb CTRL+ALT+DEL just wait for it |
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Originally Posted By: Screamin DC2R GOOD /grumpy cat (bitter since they won't let me add the R, so now all you guys can pay more, ha) How come you didn't qualify? |
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Originally Posted By: hyper-s2k Originally Posted By: Screamin DC2R GOOD /grumpy cat (bitter since they won't let me add the R, so now all you guys can pay more, ha) How come you didn't qualify? the car does given its age, but it's because i drive it 'almost' daily...ie. take it to work some days even tho im like 6km's away (lamesauce) and they consider that dd for anything - ie. groceries, road trip, etc. - which i understand because of the accident risk i suppose. the guy basically said to get this insurance it had to be garage queen and you can only drive it to shows, etc. thus no qualify. don't even think about lapping if you want this insurance...... i bitched at/with him (he agreed) that the marketplace needs a 'median' type of insurance...essentially something for an older/rare car where you CAN drive it daily (and to shows or whatever) but with limited km's for the year (for instance my situation) and you get a a nice/fair rate. maybe not 300-400/yr but say 800/yr or something which would be nice. not the retarded almost 1600/yr like what i pay for barely driving the thing (and that's down from 1900 for the past 2 years, older/married/clean record blahblahblah - dat postal code fux u doe!). |
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Yea this Hagerty thing isn't all that it's cracked out to be. I talked to them when we last discussed this topic and there are far too many restrictions for a "weekend car". I'd rather pay $67/month ($402) for 6 months with TDMM without restrictions. |
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Hagerty is full coverage, agreed upon value while yours is liability only and you're ok without any insurance when not driving it. I mentioned store runs and enjoying it on the weekend and Hagerty didn't bat an eye. given your set up I would be doing it how you are too. But that doesn't necessarily work for the rest of us. I had mine with tdmm but they apparently didn't want to offer fire/theft for winter storage anymore. I know others still have it but they told me they were phasing it out (probably lied to me ) and I wasnt quite comfortable with out anything on it. Sure it's "cheap" and i wouldn't be at the food bank if i got screwed on it , but I'd rather have some coverage. |
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Hagerty is what 6 a year? You are better off getting tdmm for 6 months for same price and not have restrictions. Fire and theft is useless your house insurance will cover any damage to the car |
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It wouldn't be the same price. Tdmm would cost more |
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I don't remember your TDMM numbers off the top of my head, but for the "car guys" here I am surprised you all sign up for this useless coverage that allows you to drive your car 3 times a year when the stars align. TDMM for full coverage on the M3 is ~120/month or so, can't recall and my rates have changed recently as everything went down. My number is conservative at $120 so that's $720/year for 6 months and you can go drive your car without worrying that coverage may be void because 3 of 1209381203812903 million stars didn't align as per Hagerty's policy appendix star alignment in summer pertaining to using your summer car for anything more than a garage ornament...omg YOU ARE DRIVING IT?????. Just saying. Fuck that shit, pay $100-$200 more a year and enjoy your car |
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Meh it works for me, the agreed value is important for the Lanica. They also have stuff like glass coverage which is also important to me, try finding any piece of glass for the lancia on this continent lol. Also I dunno how you are getting cheap prices like that. I may call TD for the mustang on Monday as that I wouldn't mind driving more in the summer, I don't care about any of the agreed value stuff as much with that car. I did call for the ITR and they wanted $160 a month. I don't think home insurance will cover a stolen or burned car in your garage? |
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My numbers are more(120 is not conservative for most ). And interesting point since you're flip flopping over $65/month for 4 months. Plus my renters insurance will not cover a car in the garage. You have confirmation yours will? I've never heard of that. I drive and enjoy my car when I want. Just not to work anymore. |
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Originally Posted By: Euphoric My numbers are more(120 is not conservative for most ). And interesting point since you're flip flopping over $65/month for 4 months. Plus my renters insurance will not cover a car in the garage. You have confirmation yours will? I've never heard of that. I drive and enjoy my car when I want. Just not to work anymore. It depends on what insurance plan you have. You don't need to have fire/theft on a car that sits inside your garage because it's covered under the contents part of your home policy. This is honestly a moot point, none of us are keeping 1M+ veyrons in our garages. A 10k M3 is fuck all and yes it will be covered under the TDMM home policy. The only thing they ask for is if you have auto insurance on it as that's supposed to be the primary when recovering damages, if you don't, it just falls under home and they pay out of that. At the end of the day all this shit is irrelevant as the chances of making a claim while your car is at home in the garage will most likely not happen in your life time so you are just pissing money away. Whatever, everyone has a different situation, just saying Hagerty is a rip off in a sense due to restrictions and the price. If they charged $300, ok i get it, they charge the same was what a normal ins company would charge for pro rated 6 months. |
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Except it's less in most people's cases and it's 12 months of coverage |
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An interesting case is going on right now between some people I know. One guy's uninsured car sat in his driveway and was damaged by flying debris from his neighbour's yard during a wind storm. The car owner's home insurance wouldn't cover it, and the debris owner's home insurance wouldn't cover it either. It's likely going to small claims court ($3k damage to the car). |
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so does home insurance cover a car in the garage but not outside on the driveway? |
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This is interesting since I will be storing the M for winter as well. I've already inquired about just fire and theft and my insurance is fine with that. |
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Originally Posted By: eddie _82 An interesting case is going on right now between some people I know. One guy's uninsured car sat in his driveway and was damaged by flying debris from his neighbour's yard during a wind storm. The car owner's home insurance wouldn't cover it, and the debris owner's home insurance wouldn't cover it either. It's likely going to small claims court ($3k damage to the car). umm, sounds like dude shoulda had car insurance on his car, case closed. there is no such thing as 'act of God' in insurance, so it was a windstorm...simple as that, shitty luck the wind picked up whatever from the neighbours house and it hit his car, the neighbour can't control the wind and didn't make it happen. ( i could see maybe if it was something left our recklessly then maybe...but up to the judge i guess). as guys mentioned above about TDMM, im with them still and get a decent discounted corp. rate and 1st accident forgiveness for almost nothing. no other company has matched except RBC (only because i have home ins. with them) |
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If haggerty sucks, why not zerhs or any of the other alternatives? I insured my 240z for 150 a year. Full coverage. No restrictions like Haggerty except for cannot be used for driving to work and average 5k km per year over 5 years. IIRC any car appraised at below 14k will be 150 a year with zerhs. |
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Originally Posted By: Hatorade This is interesting since I will be storing the M for winter as well. I've already inquired about just fire and theft and my insurance is fine with that. who are you with? |
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Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. |
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Originally Posted By: hyper-s2k Originally Posted By: Hatorade This is interesting since I will be storing the M for winter as well. I've already inquired about just fire and theft and my insurance is fine with that. who are you with? Desjardins. Fuck TDMM they wanted 40% more. |
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Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. |
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Originally Posted By: Risky Business Originally Posted By: 4age IIRC any car appraised at below 14k will be 150 a year with zerhs. DAAAAAAAAAAAAAA FAQ? I might have to inquire about this one. |
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Mine dropped 32% this year. No idea why. Same address, ticket, etc on my record. Guess,I got screwed last year. |
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XD |
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mine went down and checked out zehrs website. Quote: Vehicle Qualifications Stock vehicles must be minimum of 20 years or older Modified vehicles must be a minimum of 25 years or older Replica vehicles only written if they are replicating an auto of pre-1950 Minimum vehicle appraisal value of $5000 plus tax Comprehensive, authorized appraisal completed within the last 3 years Vehicle must be stored in a locked garage Vehicle must only be used for collector car activities including car shows, car club activities and occasional pleasure use. Vehicles cannot be used for regular transportation, (ie shopping, vacation, business and driving to/from work) *For vehicles 15-20 years old please refer to our office for eligibility. **Zehr Insurance Brokers has an “Exotic & Special Interest Vehicle” program that insures specialty used 0-14 year old collectible vehicles. Please refer to our office for eligibility. Sorry, Zehr insurance cannot insure all antique vehicles including: Any vehicles used for any type of racing, speed test, etc Any vehicles used for towing/hauling, camping or commercial use Any vehicle powered by Nitrous Oxide or Jet based fuel Any vehicle with specialized “fluid” hydraullics Any Japanese made vehicle less than 25 years old Homemade vehicles Any replica or kit car unless replicating a vehicle pre-1950 I emailed to find out if I qualify. Online quick quote for vehicle value was $116 doe lololol |
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Originally Posted By: SharpSpoon Mine dropped 32% this year. No idea why. Same address, ticket, etc on my record. Guess,I got screwed last year. |
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Mine went up Thanks Aviva Time to shop around |
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"Any Japanese made vehicle less than 25 years old" thats racist |
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lol no go for me with zhers. Dude said 20 years old at a minimum. Just like their website says. So contacting them for newer cars (as their site suggests) seems like a waste of time. |
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so who's everyone insuring their DDs with? all this talk of rare, weekend cars are great, but i have one, modern car that i drive to wokr everyday lol. SharpSpoon...please tell me more about your insurance! |
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i would cal zhers but guess im out too then , car is 16 yrs old. but until they have like a 50/50 plan where you get coverage for DD (in addition to that other hardparker/showcar crap) and you pay a little bit more than that cheap rate, guess i won't be using any such kind of insurance. |
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tdmm for our dd's. Decent bundled rate + various discounts |
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^this |
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TDMM is unbeatable for me, I pay about $7x.xx/car for liability only, full coverage is about $11x.xx/car ($30 difference or so). The only other company that comes relatively close to TDMM is Johnsons and if you bundle, their home insurance is better than TD's in terms of replacement policy, cost is also slightly cheaper. |
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Out of curiousity - how many of you change insurance companies often? Im looking at switching to all state for a "potential" 20% discount (thanks work perk!). Then maybe I can be able to finally score insurance on a RHD car that never existed. |
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TDMM $83.xx/liability only acura EL. The legacy was cheaper to insure Accident forgiveness & GF has a minor ticket. Where we really save is on the house insurance based upon the thread I made last year |
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Originally Posted By: c_snapper so who's everyone insuring their DDs with? all this talk of rare, weekend cars are great, but i have one, modern car that i drive to wokr everyday lol. SharpSpoon...please tell me more about your insurance! I bet my insurance is still pretty high compared to others but it was the best I found. TDMM I always had good luck with but have recently found Aviva to be cheaper. Civic Si plus M5 postal = shitty rate |
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Funny you say that, my lowest premium was when I was in the M postal code, once I went to L, 30% increase |
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Originally Posted By: SharpSpoon Originally Posted By: c_snapper so who's everyone insuring their DDs with? all this talk of rare, weekend cars are great, but i have one, modern car that i drive to wokr everyday lol. SharpSpoon...please tell me more about your insurance! I bet my insurance is still pretty high compared to others but it was the best I found. TDMM I always had good luck with but have recently found Aviva to be cheaper. Civic Si plus M5 postal = shitty rate Try have a L postal code in Brampton. It's fucking retarded. I miss living in Mississauga, 35% cheaper for same car, driving record |
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Originally Posted By: Risky Business Funny you say that, my lowest premium was when I was in the M postal code, once I went to L, 30% increase +1 When I was in the M postal it was way cheaper. |
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yeah, same. as of about 5-6 yrs ago L became more expensive than M in many areas GEE, I WONDER WHY? |
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It's because we are closer to Alden rd. |
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so M5V wins? woohooo. SUCK IT BITCHES!!!!! i guess i'll just continue to renew with whoever via TDMM |