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high risk auto insurance - THE TOTA LEAD FOOT ALLIANCE - Join today (pg. 3)
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| cf2thousand |
2002 Hyundai Accent GS
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3 Tickets
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385$/m
That's 4620.00$ a year !!!
Got rid of my car, last september. |
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| sticky_shoes |
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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| VERTiG0 |
Also I never understood why people buy new cars for school.
It's going to get the 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 in 48 months when you return it. |
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| fairy godfather |
Don't think I saw this advice anywhere....
SLOW DOWN! |
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| Swamper |
| quote: | 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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| Stingray |
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 and fix it.
Thank god I turn 25 next year... |
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| Moral Hazard |
| 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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| sticky_shoes |
| quote: | Originally posted by VERTiG0
Also I never understood why people buy new cars for school.
It's going to get the 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 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... |
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| sticky_shoes |
| 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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| 4-play |
A little off topic, but does getting a ticket for no front license plate effect your insurance? (PC insurance)
Thanks. |
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| Moral Hazard |
| quote: | 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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| 4-play |
| quote: | 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. |
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