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InvisibleIrradiated_Feces
doomedgeneration
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Registered: 07/12/03
Posts: 4,278
Loc: Great White North
How to avoid getting fucked by insurance?
    #4317082 - 06/20/05 02:58 PM (11 years, 8 months ago)

I have to renew my auto-insurance in less than 2 months and I've been getting fucked for too long now. I have a clean driving record, no tickets, no accidents, went through driving school, had 1 minor claim from a break-in years ago and as of now I am paying $250/month. Anyone have any suggestions when trying to find a new insurance company to deal with? any good resources for this? (specifically canada, ontario) This shit can get so overwhelming... any help is appreciated.


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InvisibleAdom
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317089 - 06/20/05 03:00 PM (11 years, 8 months ago)

How old are you? Younger people get screwed on insurance.


I just visit my insurance agent and he finds me the cheapest rates available. I haven't had a ticket in 7 years so I get very cheap full coverage insurance and I'm only 23, I pay 450$ every 6 months for a 99 monte carlo.


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InvisibleIrradiated_Feces
doomedgeneration
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Registered: 07/12/03
Posts: 4,278
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Re: How to avoid getting fucked by insurance? [Re: Adom]
    #4317102 - 06/20/05 03:05 PM (11 years, 8 months ago)

I'm 21. I've been with this insurance company for like 3-4 years now. I'm trying to go through alumni group rates and see what they can do for me, i'm just wondering what sort of thinks I should tell them such as underestimating my travel to work mileage, etc.


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InvisibleAdom
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317140 - 06/20/05 03:17 PM (11 years, 8 months ago)

My agent never asked me any of that stuff he just guarenteed I couldn't find anyting cheaper and after checking around he was right, he must of filled out that stuff so it sounded good because all I did was make a phone call and give them my vin # and he called back in a half hour with the lowest rates he could find. Wish I could be more help.


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Invisibleafoaf
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317177 - 06/20/05 03:36 PM (11 years, 8 months ago)

www.esurance.com

once you go black, you never go back.

they are big, reputable and cheap.

good stuff.


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All I know is The Growery is a place where losers who get banned here go.


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InvisibleIrradiated_Feces
doomedgeneration
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Re: How to avoid getting fucked by insurance? [Re: afoaf]
    #4317313 - 06/20/05 04:25 PM (11 years, 8 months ago)

They're only for Americans though, no? There's something unsettling about an insurance company with a cartoon mascot flappin her titties about. hmmm...


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InvisibleRandalFlagg
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Registered: 06/15/02
Posts: 15,608
Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317422 - 06/20/05 04:49 PM (11 years, 8 months ago)

Dude....I found this lesson out the hard way.

If one little thing happens (one speeding ticket, etc....), you immediately get thrown on an insurance company's more expensive plan (I believe it is called indemnity insurance). Basically this is insurance that costs twice what it should.

Now you'd think they'd only keep you on this for a while and then they would kick you back to the normal insurance. THEY DON'T. They try to keep you on the more expensive insurance as long as they can (so they can make more money).

Get a quote from other agencies. I guarantee you that you will get quotes for about half of what you are paying right now. And if after some violation your new company does the same thing to you that the old company did, you shop around and get another company.


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InvisibleZippoZM
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Re: How to avoid getting fucked by insurance? [Re: RandalFlagg]
    #4317830 - 06/20/05 06:50 PM (11 years, 8 months ago)

i pay $50 a month for liability insurance
i have had my license suspended ocer 5 times, and have had over 15 speeding tickets, once got in 2 accidents in 2 days, and well yeah lots of other things....

i go through an insurance broker, they shop around for you and get you a damn cheap rate.... although im sure that the companies they get for you arent too reliable... but its cheap


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PEACE

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"in times of widespread chaos and confusion, it has been the duty of more advanced human beings - artists, scientists, clowns, and philosophers - to create order. In such times as ours however, when there is too much order, too much m management, too much programming and control, it becomes the duty of superior men and women and women to fling their favorite monkey wrenches into the machinery. To relieve the repression of the human spirit, they must sow doubt and disruption"

"People do it every day, they talk to themselves ... they see themselves as they'd like to be, they don't have the courage you have, to just run with it."


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InvisibleLe_Canard
I AM NOT A FISH!

Registered: 05/17/03
Posts: 93,540
Loc: Earthfarm 1 Flag
Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317888 - 06/20/05 07:02 PM (11 years, 8 months ago)

$250 a month?? :eek: I hope that's at least full-coverage.

But yes, as the others have suggested, you might want to shop around a bit. I'm sure you can find a better deal than that....


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Invisibleafoaf
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4317963 - 06/20/05 07:25 PM (11 years, 8 months ago)

what's unsettling about breasts?


--------------------
All I know is The Growery is a place where losers who get banned here go.


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InvisibleIrradiated_Feces
doomedgeneration
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Re: How to avoid getting fucked by insurance? [Re: Le_Canard]
    #4319869 - 06/21/05 09:44 AM (11 years, 8 months ago)

Quote:

ToiletDuk said:
$250 a month?? :eek: I hope that's at least full-coverage.





Nope, only comprehensive.


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OfflinePhychotron
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4320219 - 06/21/05 12:20 PM (11 years, 8 months ago)

i just go to the insurance broker, they find the cheapest, and then they get a cut for the referal. right now i'm paying $510 per 6 months for my gf and i with 2 cars. My gf has an accident on her record and a ticket.


--------------------
On a mission to prove that the truth gets you no where.
They tried the truth, It didn't work. Then they wrote the bible. 

Only the foolish fear the inevitable.


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Offlinebaraka
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4320321 - 06/21/05 12:44 PM (11 years, 8 months ago)

you need to call up the gecko or somthing cuz your gitting ripped. Ive had 1 ticket in a school ozne and i dont pay half of what u do.


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This is the only time I really feel alive.


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OfflineVex
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Registered: 05/04/05
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4320434 - 06/21/05 01:22 PM (11 years, 8 months ago)

Wow they are fucking you hard. I've got 9 points on my license and only pay 180 a month. I just have basic insurance though. Luckily this summer half of those points will be gone and i'll be back down to a regularish sort of rate. thank god

remember it takes about 3 years for any points you get to be taken off of your driving record. So don't get any points.


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InvisibleYarry
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Re: How to avoid getting fucked by insurance? [Re: Irradiated_Feces]
    #4320558 - 06/21/05 02:09 PM (11 years, 8 months ago)

Quote:

Irradiated_Feces said:
Quote:

ToiletDuk said:
$250 a month?? :eek: I hope that's at least full-coverage.





Nope, only comprehensive.



im drivin in ONT too. it really depends on the car you drive, but expect to get assraped by any insurance company til u turn 25. that being said my little bro went through RBC Insurance and saved over a grand a year


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Invisibleafoaf
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Re: How to avoid getting fucked by insurance? [Re: afoaf]
    #4320602 - 06/21/05 02:28 PM (11 years, 8 months ago)

ESURANCE.COM


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All I know is The Growery is a place where losers who get banned here go.


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