Welcome back D!abloic...

Good to see ya back... Hope ya stick around

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Not everyone understands house music... It's a spiritual thing, A body thing, A soul thing

look what the cat dragged in.

^5 to searches.

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Originally posted by d!abolic Haha yeah, so after more than 6 months, i finally decided to pay TOTA a visit - admittedly because i need a little help. I was just quoted $1000/mo for insurance on a 350Z, so it's time to go shopping. What companies are known to have good rates? Or at least better than $1000/mo for a young driver with an expensive car.

Please to listen to the insurance insider!

If you're a male under 25 and not married driving a sports car in Toronto..... You're fucked! No matter what insurance company you go with your rates are going to be high. My advice to you would be to visit several independant insurance brokers (because they don't work for any one insurance company they have the ability to comparison shop for you). The independant broker will take your information and get quotes from a number of different insurers.

Typically, Citidel/Chauteau (a subsiduary of Citidel) and Certas will have the lowest rates. PC Financial has also recently entered into insurance and is giving some decent rates. Unfortunately, you should remember that you get what you pay for and what you save in premium you will likely lose in service should you ever have a claim..... chances are if you're under 25, not married, driving a sports car, and in Toronto you will have a claim (thus why you're gouged on your rates).

The best way, however to lower your rates is to restrict your coverage or increase your deductibles.
As you're a young man and this is an expensive car I presume that you are either leasing or financing it. As such you will not be able to restrict your coverage on collision or comprehensive as they are usually requirements under the lease/finance contract. You could reduce your liability limit.... most insurers will quote you for $1,000,000 liability coverage, however, the minimum required under the law is $200,000. If you decrease your liability you will realize significant savings but remember, if you cause more then $200,000 worth of damage to someone (which is really easy to do if you get into an at fault accident and the other party suffers injuries that prevent them from returning to work) you will be on your own to pay all damages over the $200,000.
I would recommend that you request higher then standard deductibles. The standard now is $500 for collision, $500 for Comprehensive and $0 for Direct Compensation. If you were to go with $1,000 Collision, $1,000 Comprehensive, and $300 Direct Compensation you would get a decent decrease in your premium. However, you if you go this route you need to be able to pay the first $1,000 of any claim yourself (except not at fault accidents... that would only be $300)

Regardless of what company you go with or what coverage/deductibles you choose your rates are going to be high. That's the price you pay for driving a sports car in Toronto.

If you have questions please feel free to ask.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by ChemEnhanced I will not get into this discussion again...I have given my 2 cents in the past. And MORAL HAZARD if you are out there don't you bother either

too late!.... I'm just trying to help a brotha out!

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

I can't help myself.....this is the end of it though. If you want to see how cheap your insurance can be and which companies provide the cheapest then go to this website and fill out the form. It will give you the three lowest rates and the companies.

http://www.kanetix.ca

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

You two insurance freaks need to go out and get drunk or something wait a sec...I think you already are!

Just go to this done-in russian place at Dufferin and Steeles. They will issue you insurance papers for $50. I got one! Everytime the cop pulls me over I just show him that piece of paper and I'm fine, even though I'm not insured!! It works believe me. Cops in Canada are dumb donut inspectors. I got pulled over like four times with that piece of fake paper and it works all the time.

^^ When you do get caught eventually you're beyond fucked.

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SHUT UP AND DANCE !!

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Originally posted by fayraree You two insurance freaks need to go out and get drunk or something wait a sec...I think you already are!

Drinking is actually one of the insurance courses we take...that and golfing.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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Originally posted by Tiesto4Life Just go to this done-in russian place at Dufferin and Steeles. They will issue you insurance papers for $50. I got one! Everytime the cop pulls me over I just show him that piece of paper and I'm fine, even though I'm not insured!! It works believe me. Cops in Canada are dumb donut inspectors. I got pulled over like four times with that piece of fake paper and it works all the time.

Please don't tell me this.....oh boy......Moral Hazard is going to go nuts now.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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Originally posted by ChemEnhanced Please don't tell me this.....oh boy......Moral Hazard is going to go nuts now.

This I gotta see...
*grabs popcorn leftover from the Indian raping his daughter-in-law thread* <--what a dirty hijacking