| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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07-04-2009, 09:51 PM
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#1
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OWNER/C.F.O./MONEYMAN
Join Date: Mar 2001
Location: Vancouver
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ICBC, Insurance Cost and Discount Questions?
So i had to renew my insurance today.
The broker mentioned that my insurance went down a little this year, i asked him, isnt my insurance maxed out at 43%?
So his reply was, yeah, for basic, you are maxed out at 43%, but there are additional discounts on the remainer of ur insurance.
So i asked him how long must i be driving to get maxed out discount? he said about 20 years. (i still got 5 more years to go =/)
Anyhow, anyone work at a autoplan broker? can they explain what additional discounts is he talking about?
Thanx.
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07-04-2009, 10:02 PM
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#2
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F**K YOUR HEAD
Join Date: Apr 2009
Location: vancouver
Posts: 8,719
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What sort of coverage do you have? how much are u paying for that GS?
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07-04-2009, 11:25 PM
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#3
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I'm invisible
Join Date: Jun 2002
Location: 604 Vancouver
Posts: 4,458
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Once you received a 43%, you will be considered as getting the maximum discount. However, every yr after 43% you start to gain levels (CRS levels). Pretty much, every year, the premium will decrease anywhere from $30-50.
What the levels do is if you get into an accident (at fault accident), you start to lose the levels. The maximum level to get is -20 (43%). So technically you get like 3 free accidents, before you lose your 43% discount..
See PDF for Claims Rated Scale (CRS)
http://www.icbc.com/autoplan-insuran...riables._frag_
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07-05-2009, 08:31 AM
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#4
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OWNER/C.F.O./MONEYMAN
Join Date: Mar 2001
Location: Vancouver
Posts: 16,486
Thanked 2,253 Times in 626 Posts
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ahhh, thanx. thats the info i was curious about, because i thought 43% was the max already, and didnt understand the extras...
im at 43% (-15) now, so 5 more years.
im paying about $2000 to insure my 99 GS300 (compared to my dads insurance which is $1650 for a newer car, and technically his car has gotten into more accidents, *knock on wood*)
i have all the usual jazz all thru icbc, basic coverage, third party, collision, comprehensive, and roadstar plus
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07-07-2009, 12:50 PM
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#5
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Head of HR....have a seat on that couch
Join Date: Jan 2003
Location: Coquitlam
Posts: 21,878
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So your collision, comp, 3rd party, Roadside + is where you get the bigger discounts......
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