So it's OVER...NEED ADVICE!!!
I have 4 cars under insurance. 2012 mb e350, 2008 mb slk, 93 rx7,95sc300. Total comes out to less than 3000 for full coverage. Multiple car n older age helps too. I'm insured by wawanesa. Cheapest I found.
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Joined: May 2012
Posts: 96
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From: ON
well apparently...statefarm is higher for our 2011 civic se when we switched from a 2008 ---> 2011 they soaked us so we left, we actually came to Allstate just this month! but i will call other agents! thanks for the help!i use geico and im paying 90 a month. Im 21 years old. not sure why your insurance is so high. Are you trying to get full coverage? i have liability with a low ded and PIP. i can understand why you would want full coverage but unless you dumped a ton of money into your ride, its not really worth it. I would suggest for you to get the lowest insurance you can get, have the liability incase you hit someone, and PIP. Otherwise if its someone elses fault they will cover your damage. however, if its your fault........well your SOL.
i'm def going to call around tommarow but no, didn't want full coverage as it's just me driving this car thanks for the advice i will call geico tommarow!Put the car in ur dads name and pay his rate... Since the car isnt in ur name and assuming u dont have any other cars in ur name u could obtained whats. Called a " named no owner" policy. Ur dads would be primary and the NNO is secondary should the primary coverages be exhausted. Should cut ur cost in more than half...
- from an Insurance Agent of 12 yrs.
- from an Insurance Agent of 12 yrs.
damn rogers im not sure why your paying so much ,,,even your quote for the honda civic is very high.
Where abouts in T.O are you? and I think you should shop around for a new company , these quotes must be for full coverage, I only have liability it helps keep the cost down alot.
Where abouts in T.O are you? and I think you should shop around for a new company , these quotes must be for full coverage, I only have liability it helps keep the cost down alot.
Good luck... The key is to make sure ur not a rated operator on ur dads policy and only on a name non only policy. If the money is based off of u then u gotta make sure ur not rated on ur dads just the car.
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Joined: May 2012
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From: ON
its sick! yes I def do know that age is a factor and thats why i'm contemplating on just doing the trade for this cabriolet and driving a few years till my insurance rates drop after which i would be able to take out a sc4 or sc3 hopefully without any problems! thanks!!!!
The loophole is you can not be listed on the insurance policy because they'll extend the coverage to anyone driving the vehicle.
As someone who used to have a classic pony car (and nothing too powerful or rare) when I was 16-20, I can tell you that insurance was never cheap. I was insured under my parents' family policy and the car was legally in my father's name. I was legally listed on the policy but not as a primary driver even though I drove the car all the time instead of my father. Looking back, I was very lucky but even at that, the insurance for a classic V8 muscle car for an under 25 year old was OK but certainly if the car were under my own name and insured with me as the primary driver I'd never have been able to afford it.
This was in the 90's. Things may have changed since then. If the only allowed arrangement in Canada or by your parents is to insure a car under YOUR name that YOU legally own, then as much as it sucks to suggest, you may have to indeed go for a lesser car. By twenty, none of us want to be made to feel as if all we're trusted with is a weedwhacker engined car but some insurance companies stack it this way, which on one side of the coin is fair according to the statistical risks they assume and on the other side forces someone to own a class of vehicle they generally don't want to own at a time when something that fits one's style is pretty important. An SC400 isn't a Camaro SS despite the V8. Not out of the box, anyway.
SC400's and SC300's are relatively cheap unless you're looking for a rare production trim. That said, unless something is catastrophically wrong with the body or driveline or your car is in a terribly neglected state of tune, don't just accept selling for $2k. Sell the car in your own market. Use Craigslist or another localized selling service if possible. Be honest and realistic about what needs to be fixed on the car because the next owner is going to have to deal with whatever issues your car may have but by the same token, don't immediately buy into the rock-bottom prices these cars tend to be listed for right now. Unless we're talking about trashed or totally neglected SC's, the KBB values and listing values are slightly too low.
Good luck. It really does become much easier (and cheaper) when you turn twenty-five but for now, enjoy yourself and see what you can do to keep your car. If you can't you can probably do better than a VW Cabriolet which will drive nothing like an SC400.
All said, if the insurance is high for you now, wait until you get into big maintenance items and serious modifications on these cars such as a manual transmission swap, LSD or swapping the engine out entirely. SC's aren't inexpensive cars to modify despite usually having a relatively low entry fee and little cosmetic repairs and maintenance can add up.
This was in the 90's. Things may have changed since then. If the only allowed arrangement in Canada or by your parents is to insure a car under YOUR name that YOU legally own, then as much as it sucks to suggest, you may have to indeed go for a lesser car. By twenty, none of us want to be made to feel as if all we're trusted with is a weedwhacker engined car but some insurance companies stack it this way, which on one side of the coin is fair according to the statistical risks they assume and on the other side forces someone to own a class of vehicle they generally don't want to own at a time when something that fits one's style is pretty important. An SC400 isn't a Camaro SS despite the V8. Not out of the box, anyway.
SC400's and SC300's are relatively cheap unless you're looking for a rare production trim. That said, unless something is catastrophically wrong with the body or driveline or your car is in a terribly neglected state of tune, don't just accept selling for $2k. Sell the car in your own market. Use Craigslist or another localized selling service if possible. Be honest and realistic about what needs to be fixed on the car because the next owner is going to have to deal with whatever issues your car may have but by the same token, don't immediately buy into the rock-bottom prices these cars tend to be listed for right now. Unless we're talking about trashed or totally neglected SC's, the KBB values and listing values are slightly too low.
Good luck. It really does become much easier (and cheaper) when you turn twenty-five but for now, enjoy yourself and see what you can do to keep your car. If you can't you can probably do better than a VW Cabriolet which will drive nothing like an SC400.
All said, if the insurance is high for you now, wait until you get into big maintenance items and serious modifications on these cars such as a manual transmission swap, LSD or swapping the engine out entirely. SC's aren't inexpensive cars to modify despite usually having a relatively low entry fee and little cosmetic repairs and maintenance can add up.
Last edited by KahnBB6; Jun 28, 2012 at 11:28 PM.
Move to BC, insurance rates are cheaper there
When i was 18 my insurance with full coverage and $1K M liability policy for my FD RX7 was $600/year.
Ontario is ridiculously expensive, $6K a year?
When i was 18 my insurance with full coverage and $1K M liability policy for my FD RX7 was $600/year.
Ontario is ridiculously expensive, $6K a year?
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From: Vancouver >> Hong Kong
holy schlamoly 6000!!!
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
Advanced
Joined: Sep 2010
Posts: 540
Likes: 32
From: Ma
holy schlamoly 6000!!!
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
Thread Starter
Rookie
Joined: May 2012
Posts: 96
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From: ON
Hi thanks for the advice I have added them to my list of insurance people to call tommarow! WOW amazing car collection you got yourself their! lol its sick! yes I def do know that age is a factor and thats why i'm contemplating on just doing the trade for this cabriolet and driving a few years till my insurance rates drop after which i would be able to take out a sc4 or sc3 hopefully without any problems! thanks!!!!
its sick! yes I def do know that age is a factor and thats why i'm contemplating on just doing the trade for this cabriolet and driving a few years till my insurance rates drop after which i would be able to take out a sc4 or sc3 hopefully without any problems! thanks!!!!As someone who used to have a classic pony car (and nothing too powerful or rare) when I was 16-20, I can tell you that insurance was never cheap. I was insured under my parents' family policy and the car was legally in my father's name. I was legally listed on the policy but not as a primary driver even though I drove the car all the time instead of my father. Looking back, I was very lucky but even at that, the insurance for a classic V8 muscle car for an under 25 year old was OK but certainly if the car were under my own name and insured with me as the primary driver I'd never have been able to afford it.
This was in the 90's. Things may have changed since then. If the only allowed arrangement in Canada or by your parents is to insure a car under YOUR name that YOU legally own, then as much as it sucks to suggest, you may have to indeed go for a lesser car. By twenty, none of us want to be made to feel as if all we're trusted with is a weedwhacker engined car but some insurance companies stack it this way, which on one side of the coin is fair according to the statistical risks they assume and on the other side forces someone to own a class of vehicle they generally don't want to own at a time when something that fits one's style is pretty important. An SC400 isn't a Camaro SS despite the V8. Not out of the box, anyway.
SC400's and SC300's are relatively cheap unless you're looking for a rare production trim. That said, unless something is catastrophically wrong with the body or driveline or your car is in a terribly neglected state of tune, don't just accept selling for $2k. Sell the car in your own market. Use Craigslist or another localized selling service if possible. Be honest and realistic about what needs to be fixed on the car because the next owner is going to have to deal with whatever issues your car may have but by the same token, don't immediately buy into the rock-bottom prices these cars tend to be listed for right now. Unless we're talking about trashed or totally neglected SC's, the KBB values and listing values are slightly too low.
Good luck. It really does become much easier (and cheaper) when you turn twenty-five but for now, enjoy yourself and see what you can do to keep your car. If you can't you can probably do better than a VW Cabriolet which will drive nothing like an SC400.
All said, if the insurance is high for you now, wait until you get into big maintenance items and serious modifications on these cars such as a manual transmission swap, LSD or swapping the engine out entirely. SC's aren't inexpensive cars to modify despite usually having a relatively low entry fee and little cosmetic repairs and maintenance can add up.
This was in the 90's. Things may have changed since then. If the only allowed arrangement in Canada or by your parents is to insure a car under YOUR name that YOU legally own, then as much as it sucks to suggest, you may have to indeed go for a lesser car. By twenty, none of us want to be made to feel as if all we're trusted with is a weedwhacker engined car but some insurance companies stack it this way, which on one side of the coin is fair according to the statistical risks they assume and on the other side forces someone to own a class of vehicle they generally don't want to own at a time when something that fits one's style is pretty important. An SC400 isn't a Camaro SS despite the V8. Not out of the box, anyway.
SC400's and SC300's are relatively cheap unless you're looking for a rare production trim. That said, unless something is catastrophically wrong with the body or driveline or your car is in a terribly neglected state of tune, don't just accept selling for $2k. Sell the car in your own market. Use Craigslist or another localized selling service if possible. Be honest and realistic about what needs to be fixed on the car because the next owner is going to have to deal with whatever issues your car may have but by the same token, don't immediately buy into the rock-bottom prices these cars tend to be listed for right now. Unless we're talking about trashed or totally neglected SC's, the KBB values and listing values are slightly too low.
Good luck. It really does become much easier (and cheaper) when you turn twenty-five but for now, enjoy yourself and see what you can do to keep your car. If you can't you can probably do better than a VW Cabriolet which will drive nothing like an SC400.
All said, if the insurance is high for you now, wait until you get into big maintenance items and serious modifications on these cars such as a manual transmission swap, LSD or swapping the engine out entirely. SC's aren't inexpensive cars to modify despite usually having a relatively low entry fee and little cosmetic repairs and maintenance can add up.
holy schlamoly 6000!!!
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
I know Canada is expensive but 6000 no way.
Don't you guys have like a crown corporation that handles auto insurance like we do in BC? Honestly we don't have Geico or State Farm whatever. We just have Autoplan. One country multiple system...whoddathunkit?
Yes, Ontario sucks donkey ***** for insurance. You'd think because Canada is more "socialist" that drivers there would get a break. Apparently not. Don't even get me started on the "private" highways in Ontario... I love Toronto but the high price of living there is just insane.
Well guys, called around and the best thing for me personally to do at this time is to save up some money and wait a couple years, my dads insurance agent gave me the cheapest rate (under my dad and with the discount i'm gunna be paying around 350 a month liability only...) but still not worth it to me, he advised me i can put it on the road as a summer car then take it off, what i'm gunna do, is fix her up, prep her for winter and rustproof her so when winter hits that 2011 civic se we got (which only has 16k km on it) would be saved from the dreaded salt and wont become like other civics, thats the plan! gunna keep her!!!! i love my sc4, my first car ahhh and i'm in love!
thanks for all the help guys also was advised to wait till i'm around 22/23 but the rate will def go down by 25 till then i'm on as 2nd driver although my dad doesn't let me drive the new civic all good though got the sc4!!! just gunna keep fixing her up!
Ontario's insurance is privately as is ALberta, and maritime provinces just like the states.
One difference is that the sole insurance company, ICBC, is prohibited by law from setting premiums taking into account such demographic characteristics as age, sex or marital status.
One difference is that the sole insurance company, ICBC, is prohibited by law from setting premiums taking into account such demographic characteristics as age, sex or marital status.