Car Insurance: Ridiculous - Page 2 - Social Anxiety Forum
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post #21 of 34 (permalink) Old 05-19-2019, 04:01 PM
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I was like.....what country is this about? I am thinking USA. Even with the exchange rate. That's expensive. My 2006 car has 271,000 miles on it and it still runs well. I pay under US$1,000 a year on it. It would be probably double that for a new car. I can't imagine paying over CAN$4,000.

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post #22 of 34 (permalink) Old 05-19-2019, 04:11 PM
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The car insurance that my father and I have costs about $357 every 6 months.
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post #23 of 34 (permalink) Old 05-25-2019, 03:01 PM Thread Starter
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I was like.....what country is this about? I am thinking USA. Even with the exchange rate. That's expensive. My 2006 car has 271,000 miles on it and it still runs well. I pay under US$1,000 a year on it. It would be probably double that for a new car. I can't imagine paying over CAN$4,000.
Its Canada, the province of Ontario has some of the highest insurance rates in all of North America.

This is actually an old thread. Age has done wonders for my insurance though (Along with keeping a clean record) I ended up keeping the Jetta for a few more years before I bought a newer BMW. It has more power and rides way nicer, plus my insurance is just a bit over 1500 a year.
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post #24 of 34 (permalink) Old 05-25-2019, 03:06 PM
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post #25 of 34 (permalink) Old 05-25-2019, 03:35 PM
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Mine used to be around $250 a year but has crept up to $360 a year, partly because I added roadside assistance. Owning a car unvaluable enough that there's no point in insuring for damage people do to it saves a ton of money.

I've been hit by an uninsured motorist and uninsured deer, but the total cost of those accidents has been $50 (to get the hood and driver door fixed enough to open) since I left the huge dents and inoperative back door as-is and taped over the headlight cover.

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post #26 of 34 (permalink) Old 05-25-2019, 03:57 PM
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I pay approximately $220 a month for my Ford Fusion Hybrid 2015 Titanium, but that is because I only received my driver license 6 months ago and because the car is, well, relatively new. Plus my insurance covers a lot of things.

Experienced drivers with no violation points and with basic insurances on this car could easily pay well under $100 a month.
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post #27 of 34 (permalink) Old 05-26-2019, 10:26 PM
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I pay approximately $220 a month for my Ford Fusion Hybrid 2015 Titanium, but that is because I only received my driver license 6 months ago and because the car is, well, relatively new. Plus my insurance covers a lot of things.

Experienced drivers with no violation points and with basic insurances on this car could easily pay well under $100 a month.
My insurance must be pretty high then. I've been driving for 11 years (only one ticket 10 years ago for running a red light) and my insurance on a 2016 Ford Taurus Limited comes out to just over what you're paying. And I think yours is a slightly better car and you're two years younger than me. Although I wouldn't dream of not having full coverage on a car less than 5 years old.

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post #28 of 34 (permalink) Old 05-26-2019, 10:34 PM
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My insurance must be pretty high then. I've been driving for 11 years (only one ticket 10 years ago for running a red light) and my insurance on a 2016 Ford Taurus Limited comes out to just over what you're paying. And I think yours is a slightly better car and you're two years younger than me. Although I wouldn't dream of not having full coverage on a car less than 5 years old.
My understanding is that Ford Taurus is essentially a semi-luxury car, while mine is a regular mid-size sedan (even if a hybrid), so I would expect the Taurus coverage to be a bit more expensive. That said, when I was purchasing the insurance, the car salesman waiting nearby did comment on how good that rate was, compared to what most other people get in similar conditions. Maybe I somehow got very lucky.

A lot of things may contribute to those rates, so it's hard to say why you aren't getting a lower one. Have you tried calling other insurance companies for quotes?
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post #29 of 34 (permalink) Old 05-26-2019, 10:44 PM
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My understanding is that Ford Taurus is essentially a semi-luxury car, while mine is a regular mid-size sedan (even if a hybrid), so I would expect the Taurus coverage to be a bit more expensive. That said, when I was purchasing the insurance, the car salesman waiting nearby did comment on how good that rate was, compared to what most other people get in similar conditions. Maybe I somehow got very lucky.

A lot of things may contribute to those rates, so it's hard to say why you aren't getting a lower one. Have you tried calling other insurance companies for quotes?
No but I should. I have Allstate, a friend recommended Esurance.

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post #30 of 34 (permalink) Old 05-26-2019, 10:50 PM
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Until your 25 years old they really screw you with high rates. Get a car you can pay for cash so you dont have to have full coverage. Just liability insurance
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post #31 of 34 (permalink) Old 05-27-2019, 12:11 AM
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Its Canada, the province of Ontario has some of the highest insurance rates in all of North America.

This is actually an old thread. Age has done wonders for my insurance though (Along with keeping a clean record) I ended up keeping the Jetta for a few more years before I bought a newer BMW. It has more power and rides way nicer, plus my insurance is just a bit over 1500 a year.
I don't thing I ever changed my policy. I have been with my insurance company since 1995, and moved to my own account in 2007 when my father passed away.

I drive a 2006 Mustang and only pay about $525/yr, maybe a bit more, which would be about CAN$700.

As @chrisinmd mentioned, you hit the magic number 25, so it changes. They no longer see you as an "out-of-control lead foot teen".

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post #32 of 34 (permalink) Old 05-29-2019, 08:22 PM
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Until your 25 years old they really screw you with high rates. Get a car you can pay for cash so you dont have to have full coverage. Just liability insurance
I agree i did this.. and only paid 104 for insurance..however my car had an issue every other month so i had to get a new car.. and not my insurance is damn 307 smh..

i hate the cost of insurance, it sucks but hell its better than public transportation.

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post #33 of 34 (permalink) Old 05-29-2019, 08:27 PM
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cars are inherently ridiculous even before insurance

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post #34 of 34 (permalink) Old 05-29-2019, 08:35 PM
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I pay 1,700/year. It's ****ed up, in my opinion, but I screwed up by buying a new car.

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