Hmmm...

My advice along with the others is to also look into finding a broker that can give you the "best deal" (though it'll be way more expenisive than regular car insurance) for your special risk. The quotes that are given to are not only based on your driving record, but your age group, your driving class (i.e. G license), the area in which you live in, and your vehicle. Will you be the principal driver of this vehicle?

Besides the other insurance companies mentioned...did you look at Aviva Canada Inc.? (www.avivacanada.com) It's the parent company of other insurance companies under that name, particularly Pilot Ins. Co. (www.pilot.ca), which is an insurance company that deals only with brokers.

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~Official Member of the Dirty Clown Alliance~

Also I never understood why people buy new cars for school.

It's going to get the shit kicked out of it in the parking lot, I guarantee it. A lease + dings and dents and scratches = more money to fix so they don't rape your asshole in 48 months when you return it.

Don't think I saw this advice anywhere....

SLOW DOWN!

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Originally posted by colonelcrisp woa woa woa 4th aniversary? i thought the tix were cleared after 3 yrs

MTO demerit points stay on your record 2 years after offence date

Insurance has access to your offences 3 years after conviction date

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"In a world of illusion you only see what you feel"

My insurance company wanted to write off my dad's Tracker after I did $7200 worth of damage to it. We finally convinced them to eat shit and fix it.

Thank god I turn 25 next year...

quote:

Originally posted by sticky_shoes Besides the other insurance companies mentioned...did you look at Aviva Canada Inc.? (www.avivacanada.com) It's the parent company of other insurance companies under that name, particularly Pilot Ins. Co. (www.pilot.ca), which is an insurance company that deals only with brokers.

Just a quick aside.... Pilot has amongst the most strict underwriting requirements in Ontario. If you are even close to an elevated risk you have no chance of being insured with them. Alpina (part of Zurich.... part of Allianz.... part of ING) is about the only one that is more strict (to my knowledge).

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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 VERTiG0 Also I never understood why people buy new cars for school. It's going to get the shit kicked out of it in the parking lot, I guarantee it. A lease + dings and dents and scratches = more money to fix so they don't rape your asshole in 48 months when you return it.

Truesay...

When me and my sis were trying to find a car, we were happy to settle for a used one for school (we were looking for second hand imported cars). Hmmm, but the 'rents were pressuring us to buy a new domestic car (I know...a bad decision already b/c as most of us know, they're pretty crap...) with the rationale that one has used it, blah, blah. My mom who does auto underwriting told us that insurance for most domestic vehicle are cheaper vs. imported ones, so at the end we got suckered into buying a new Sunfire (a tin-can I tell you!).

Anyway...you do run the risk of getting dents...so unless you really need the car in the first place (i.e. it's more convenient to drive to school than busing it), then don't buy one...and if you need it for school...don't go all out... b/c at some point...you'll start seeing the dents...

___________________
~Official Member of the Dirty Clown Alliance~

quote:

Originally posted by Moral Hazard Just a quick aside.... Pilot has amongst the most strict underwriting requirements in Ontario. If you are even close to an elevated risk you have no chance of being insured with them. Alpina (part of Zurich.... part of Allianz.... part of ING) is about the only one that is more strict (to my knowledge).

True...Pilot started getting really strict recently...they're going by the "Aviva" way now...haha

Hmmm...but it really depends on the broker and the underwriter... muahaha...

It was just a suggestion though...

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~Official Member of the Dirty Clown Alliance~

Last edited by sticky_shoes on Aug-15-2006 at 12:45

A little off topic, but does getting a ticket for no front license plate effect your insurance? (PC insurance)

Thanks.

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Originally posted by 4-play A little off topic, but does getting a ticket for no front license plate effect your insurance? (PC insurance) Thanks.

I was wondering that myself. I don't believe it does as it is not a violation indicative of your being an increased risk. That said I do not know for sure.

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quote:

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

quote:

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 Moral Hazard I was wondering that myself. I don't believe it does as it is not a violation indicative of your being an increased risk. That said I do not know for sure.

Hmm...should i call them to find out? Or is that a stupid thing to do? You never know with these insurance companies.

Thanks.