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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 09-08-2016, 05:46 AM   #76
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I just insured my new 16' mustang ecoboost and the rate was surprisingly low, considering my 15' Toyota sienna was $1600.

I'm paying $1700 at -43% discount for the stang and couldn't be more happier

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Old 09-08-2016, 06:27 AM   #77
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BS?! Don't tell me a private insurance company can cancel your insurance after finding out I took my car out to the track?! When I am at the track, I already know 1000% that nothing will be covered by the insurance company.

If anything, an insurance company should REDUCE my car insurance when I participate in formal / sanctioned motorsports activities. I'm a safer driver precisely because I know street =\= track.
This is an interesting read: UPDATED: GEICO Dropped Me for Autocrossing My BRZ
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Old 09-08-2016, 09:23 AM   #78
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I am kind of wondering what my rates are going to do when I move back. I am paying about 2200 a year right now for 2 cars.


...


As crappy as it is to have to pay a few hundred bucks more a year for ICBC, at least you can actually claim stuff.
It's not a few hundred dollars difference. Assuming you get a full -43% discount, and depending on where you live and your two vehicles, I'd still say you are probably looking at 4k a year to insure both vehicles.

So that's $1800 a year difference.

I do agree with you though, there are benefits to ICBC. In fact I give them a lot of praise for a lot of things they do on the insurance side of things.

I'm more so concerned about the licensing and management side of things where I continuously see people on the road who are in no condition to do so. Or have no idea the rules of our roads.
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Old 09-08-2016, 10:34 AM   #79
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Just a reminder that 43% discount only applies to basic coverage. Optional coverage discounts depend on your CRS level and max out at -20 CRS.

That's the part I take issue with. I have a good, 30 more years of driving left and there's no incentives left.
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Old 09-08-2016, 02:25 PM   #80
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Originally Posted by Traum View Post
BS?! Don't tell me a private insurance company can cancel your insurance after finding out I took my car out to the track?! When I am at the track, I already know 1000% that nothing will be covered by the insurance company.

If anything, an insurance company should REDUCE my car insurance when I participate in formal / sanctioned motorsports activities. I'm a safer driver precisely because I know street =\= track.
They can and they will, it's happened out east as well as in Oregon recently to some people who brought one of their vehicles to a RallyX event. Not only did the insurance company cancel the policy on the vehicle used in the event, they cancelled all of their insurance for all of their vehicles.

Now obviously not all private insurance companies are like this, but personally I'll take the minor inconveniences of ICBC to know that I've got proper insurance that isn't going to disappear on the whim of some company.
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Old 09-09-2016, 09:02 PM   #81
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Old 09-10-2016, 07:01 PM   #82
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Originally Posted by fliptuner View Post
Not ICBC related but just want to add that, paying tax on a privately sold car is fucking retarded.
Whats wrong with a car being resold lets say 6 times, over a span of 20 years?

New 20k > 2.4k tax
Resold 15k > 1.8k tax
Resold 10k > 1.2k tax
Resold 7k > 0.9k tax
Resold 3k > 0.4k tax
Flipped 4k > 0.5k tax
Resold 2k > 0.3k tax

Gov made 7.5k on a 20k car
Not including parts/insurance/gas/etc taxes
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Old 10-04-2016, 03:29 PM   #83
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annual renewal for me today
no price hike

edit: nm hike is effect november
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Old 10-04-2016, 09:30 PM   #84
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I was reading an article a few months ago about the BC Gov and ICBC. Over the last 6 years, the liberals have taken over $1 billion from ICBC (I think close to 1.2 billion). If that money isn't being taken out of ICBC, our rates don't go up. BC has one of the lowest income tax rates in Canada but the government just makes it back other ways such as taking it out of BC hydro and ICBC which in turn comes out of our pockets.


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Spoiler!
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Old 10-05-2016, 09:33 AM   #85
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Originally Posted by van_city23 View Post
I was reading an article a few months ago about the BC Gov and ICBC. Over the last 6 years, the liberals have taken over $1 billion from ICBC (I think close to 1.2 billion). If that money isn't being taken out of ICBC, our rates don't go up. BC has one of the lowest income tax rates in Canada but the government just makes it back other ways such as taking it out of BC hydro and ICBC which in turn comes out of our pockets.


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Spoiler!
Our income tax rates are distributed within a curve depending on how much you make. While BC is lower than some provinces, when you graph the curves it is just lateral shifts in the tax curve. The actual rates are generally in line with other provinces. (BC might be slightly lower than some, but not ridiculously so). Source: http://www.cra-arc.gc.ca/tx/ndvdls/f...tml#provincial

Our government is just fiscally irresponsible, as many are. They simply don't care to make an effort to ensure tax payers are getting the most for their dollars spent. The money flows into their departments free and clear every year, they don't have to work to earn that money, they just spend it willy nilly.

Whereas me as a business since I have to actually work to earn every penny for my business before I can spend anything, I am much more careful about how I spend.

Government is setup in such a way that it buttfucks you. Get used to it, or go join them, become a civil servant. That's what most people do. If you can't beat em join em.
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Old 10-06-2016, 12:02 PM   #86
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My insurance expires in early nov. if I renew now do I avoid the hike?
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Old 10-06-2016, 02:35 PM   #87
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give em a call...i'm pretty sure you can avoid it by renewing now
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