View Full Version : Auto Insurance

11-16-2010, 11:21 PM
I'm with ING right now, need to find a new insurance company.

Going to get a few quotes this week, any recommendations on where to start?

11-16-2010, 11:29 PM
Not geico.

Bullshit they save you 15% or more.

11-17-2010, 05:06 PM
I use TD Meloche Monnex and am pretty happy with them. It helps that I am an engineer though so I get a big discount.

11-17-2010, 06:08 PM
I have been with State Farm for a long time. You have to go and meet the agents, but when you find a good one, you know they'll work with you and care.

Did I mention my State Farm Agent is a babe?


11-17-2010, 06:13 PM
I'm with state farm......good discount for muti car........

11-18-2010, 03:27 AM
I was with statefarm from when I was 16, now Im 36, and I just changed to TD Meloche Monnex because Statefarm was raping me on my MR2($400/month), and refused to cover the 205 with comprehensive(anything not covered under collision). I pay under $400 now for 2 cars, a truck, a boat and a house...go figure.... I dont believe they will cover comp. anymore for RHD cars though, but I just wouldn't mention it.... :)

I'm pretty certain Meloche Monnex is based out of Edmonton too. They had a branch in my old building, but the head office is in your town Dudeman

01-04-2011, 04:48 PM
Thanks for the suggestions everyone.

ING was charging me about $250 a month, TD wanted $200 a month but they only accept yearly payments.. So in the end I went with State Farm, their charging me $160 a month (nearly $100 less!) but unfortunately they wont cover anything older than 96'.

Not that I would want to pay for collision coverage on either of my vehicles but it was nice having Fire, Theft and Vandalism.

lol, funny thing is I had two NSF's with ING, so they booted me.. And in the end my insurance is way cheaper.

01-05-2011, 03:56 AM
Holy crap.. Icbc doesn't seem so bad n e more.. My celica is about $95/mnth (only insured in the summer) and my 08 Sierra is 145/mnth ... Both full coverage

Celica - 5mil liability, $300 collision & comp ded - pleasure use
Sierra - 5mil liability, $300 collision & comp ded, limited depreciation - driving to work within 15km

01-05-2011, 05:20 AM
Public insurance, well-run, is a good thing because the profit-taking is small. B.C. is actually not as good as it used to be, since the Liberals have decided every year to increase the amount ICBC has to pay the government.

However, universal insurance does spread the risk nicely, keeping premiums lower. And most notably, the insurance company then has an incentive to invest in road safety improvements, which reduce crashes. It also prevents the Ontario situation where rates were just skyrocketing until regulation limited payouts -- which didn't so much fix the problem as cut the benefits to control costs.

01-05-2011, 06:39 AM
yeah insurance here sucks i pay $98 for my gts :( with state farm.

01-05-2011, 07:13 AM
Man, I have 2 speeding tickets and my insurance is under $50/mo for two cars. I switch back and forth between Geico and State Farm, who ever is willing to undercut the other every 6 mo.

(Of course thats just liability)

01-05-2011, 07:55 AM
i pay 112 a month for full coverage on flatliner

01-05-2011, 05:13 PM
And most notably, the insurance company then has an incentive to invest in road safety improvements, which reduce crashes.

This is also where the misinformation has been spread about RHD safety and the push to ban them completely. I have seen their reports and studies, and as a professional business analyst in the private sector, I find them laughable at best.

01-05-2011, 05:14 PM
Also, my premiums are significantly cheaper than Dudeman's. Both my Celica's are under $100 a month, my 2010 RDX is something like $110 or $120.

01-05-2011, 10:40 PM
I pay $90 a month for full coverage ($2 mil liability, collision, and comprehensive, all with minimum deductibles), on a car registered for daily commutes.

There's not much push in B.C. to ban RHD vehicles, which is a bit amusing given we probably have more of them with our relative proximity to Japan. ICBC made noises in 2009, but little has come since then.

However, I was actually referring not to legislation, which neither public nor private insurers control -- at least not without using the same lobbying methods. My comment on investments was about actual monetary investments, such as paying for intersection or rural highway upgrades. When was the last time you heard about a private insurance company dropping millions into publicly-owned roadworks?

01-06-2011, 01:02 AM
I have one at-fault accident on my record but being male, single and under 25 doesn't help..

01-06-2011, 01:05 AM
I pay $57 a month full coverage on my 205(labelled as recreation though). I pay $157 a month for full coverage on my 2(DD, which is out of commission, so I actually drive my 205). I pay $82 a month for the F150 that my wife drives. All are $2m liability, collision, and comp, with minimum deductibles.

The $157 is nothing, peanuts I say, state-farm used to charge me $400+ a month for my 2.

01-28-2011, 05:06 AM
I pay about ~$2400 for a year (~$200/month) for my 205...full coverage