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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 10-05-2014, 10:40 PM   #26
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Old 10-05-2014, 11:01 PM   #27
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Old 10-05-2014, 11:19 PM   #28
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I don't think car type affects insurance as much as driving history, location and distance.

'14 CLA45 AMG, $21xx annual with 3M comprehensive and 300 deductible and full replacement value.

'04 Mazda 6 was maybe $150 less with same coverage except replacement value.
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Old 10-05-2014, 11:27 PM   #29
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People in other BC cities will pay $1000/year.

Welcome to Vancouver.
ehhh, not entirely true, I registered my truck up in williams lake for awhile as I was based out of there for work, and it saved me a grand total of like 200 bucks a year. My insurance at that point was like $2500 a year.
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Old 10-05-2014, 11:43 PM   #30
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Old 10-05-2014, 11:52 PM   #31
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Previous: 2009 Chrysler Sebring Convertible / 15% / 2M / 500 / 300 / <15km / $2690 per year.

Now: 2011 BMW 335i Coupe / 20% / 2M / 500 / 300 / >15km / $3450 per year.

Edit: Where your car is parked also affects your rates. I was told that Richmond has slightly lower rates than Burnaby & Vancouver.
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Old 10-06-2014, 12:03 AM   #32
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All my vehicles except the RC have been 2M / $300 deductible / <15km / 43% (or whatever the max is now) and land about $120ish/month. GTFour RC costs a bit less but it's under non-commute use atm (fuckers don't think it's worth anything).
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Old 10-06-2014, 12:30 AM   #33
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Isn't it worthwhile to raise your collision deductible to $1000+?

I think the savings is worth it and the chance of getting into an AT-fault accident is pretty low unless you are a bad driver lol...
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Old 10-06-2014, 12:37 AM   #34
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i just can't believe how much ICBC charges, and how they get away with it:

in Vancouver, I drove an 07 TL-s, 43%, approx. $1500 p.a. for $2M Collision, comprehensive, $500 deductible, driving for pleasure only (rates went up every year, even though my car got older and I drove safely/no accidents).

In Europe I live in a very expensive country, but pay 500 Euro a year for similar insurance on a 2011 Audi A3, mind you, road tax is another 600 Euro... so i get fucked one way or another no matter where I am! Mind you, i wouldn't have a car if my work didn't require it, and thankfully they pay for my car, so i mind less.
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Old 10-06-2014, 12:46 AM   #35
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Old 10-06-2014, 12:56 AM   #36
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Isn't it worthwhile to raise your collision deductible to $1000+?

I think the savings is worth it and the chance of getting into an AT-fault accident is pretty low unless you are a bad driver lol...
You don't have to be 100% at fault for your premiums to increase.
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Old 10-06-2014, 03:14 AM   #37
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ehhh, not entirely true, I registered my truck up in williams lake for awhile as I was based out of there for work, and it saved me a grand total of like 200 bucks a year. My insurance at that point was like $2500 a year.
I think it's a case of YMMV. When I move up to Salmon Arm, insurance for my Accord dropped $600/year.

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2011 cooper s /1m / 25% = $230/month T_T!!!!

Fuck the newer cars and that high collision cost
I checked my yearly insurance rates in Alberta and Toronto. Based on my driving history (1 accident in <6 years, 1 minor speeding ticket <4 years, and Class 5 since '01) quotes from Alberta were very similar to here, whereas Ontario jumped up significantly by $200/month.

I genuinely think that it's a case of grass always being greener on the other side...
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Old 10-06-2014, 05:58 AM   #38
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2014 Yamaha FZ-09 Motorcycle 43% 1 mill liability Basic Insurance $1,000 year. (Private for optional $360 year.)

Paying ICBC $4,200 a year no claims in almost 20 years, what a deal best insurance option ever!!!...................Not sure where the sarcasm emote is to early.
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Old 10-06-2014, 06:19 AM   #39
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2014 Hyundai Elantra 43%, 2 mill, Roadstar Package, $300 collision deductible $1,600 year.
2007 Ford Escape 43%, 2 mill, Roadstar Package, $300 collision deductible $1,600 year.
2014 Yamaha FZ-09 Motorcycle 43% 1 mill liability Basic Insurance $1,000 year. (Private for optional $360 year.)

Paying ICBC $4,200 a year no claims in almost 20 years, what a deal best insurance option ever!!!...................Not sure where the sarcasm emote is to early.
that's a great point you bring up - why does ICBC not have multi car plans?

i could write an essay on what's wrong with ICBC, but it's such an illogical company, run by idiots.
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Old 10-06-2014, 07:35 AM   #40
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Paying ICBC $4,200 a year no claims in almost 20 years, what a deal best insurance option ever!!!...................Not sure where the sarcasm emote is to early.
no need. that says it all.
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that's a great point you bring up - why does ICBC not have multi car plans?
it makes sense to, but they make too much money forcing people to pay full choke and everyone has no choice but to suck it up or have only 1 vehicle. they get away with it so they can
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Old 10-06-2014, 08:11 AM   #41
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no need. that says it all.
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it makes sense to, but they make too much money forcing people to pay full choke and everyone has no choice but to suck it up or have only 1 vehicle. they get away with it so they can
i would say this - the people let them get away with it.

People need to make their message be heard. In the 80's, the AA had a lot of power in the UK, to the point whereby rules got changed when BS things were in place that shouldn't have been, as (certain) ppl in the UK are big time petrol heads!
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Old 10-06-2014, 08:58 AM   #42
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Old 10-06-2014, 09:51 AM   #43
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that's a great point you bring up - why does ICBC not have multi car plans?
What we need is the system Sweden or Switzerland or someplace like that has, where you pay say $100/year for the registration and plating of the vehicle, and then you get insurance for yourself that follows you, not your car. That way whether you have 1 car or 100, you pay the same insurance (just more reg fees) and if you lend someone your car and they crash it, it goes through their insurance instead of yours.
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Old 10-06-2014, 09:55 AM   #44
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Old 10-06-2014, 10:17 AM   #45
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Old 10-06-2014, 11:28 AM   #46
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02 R6 - $70/mo
Modo - $3/mo
Car2go - $0/mo

Ballin!
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Old 10-06-2014, 11:35 AM   #47
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Old 10-06-2014, 12:06 PM   #48
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02 R6 - $70/mo
Modo - $3/mo
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which car sharing do you like better?

no zipcar?
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Old 10-06-2014, 12:33 PM   #49
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What we need is the system Sweden or Switzerland or someplace like that has, where you pay say $100/year for the registration and plating of the vehicle, and then you get insurance for yourself that follows you, not your car. That way whether you have 1 car or 100, you pay the same insurance (just more reg fees) and if you lend someone your car and they crash it, it goes through their insurance instead of yours.
Logical system , as per most of the world... Icbc us such a fuckup
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Old 10-06-2014, 12:39 PM   #50
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which car sharing do you like better?

no zipcar?
Zipcar and Modo are pretty much the same, but I chose Modo mainly because there are a bunch right around my house, and their customer service is much better.

Car2go is a nice taxi alternative, cause you can drop it off anywhere. For example, a cab from my house to downtown is roughly $25-$30 ish, where as if I took a Car2go, it's only about $8-$15 depending on traffic.

Modo is good if I need a car for an extended amount of time. A lot of perks to this, and a lot of different cars to choose from (Sedans, SUV's, trucks, moving vans, they even have an FRS for god's sake).

It's only $3/hour (maxes at $36 a day even if you keep it for longer, and 11pm-7am is free) with mileage on top. So if you need to take multiple little trips throughout the day with some breaks in between, you're still only paying $3 an hour even if the car's just sitting outside your house. The only downside to Modo/Zipcar is that you need to return it to where you picked it up from. They have them spread out through the city pretty well, so most likely there should be one within a couple blocks from your place.

I sold my cars and I found that between my motorcycle, car2go, modo, and the skytrain station being a couple blocks from my house, my convenience hasn't been interrupted at all, and my monthly costs are still about the same as having a car (gas, insurance, maintenance, etc.) And the money made from the cars was like a bonus

Having said all that, I've been kinda itching to get a new car lately.. But with all my transportation options, I really have all the time in the world to decide.
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