Insurance Blues

[delicioso!]

i'll add my 2cents, full coverage from state farm, $150/month, based on a 95 delica that sold for say $31,000 new back then. i gave them 2 vins to use and couldn't find any info in their system, for obvious reasons. 36, fairly decent record and in high traffic neighbourhood west of toronto (so our rates here are higher than say london, ontario). been with state farm for over 20 years and they've insured my old jdm hilux, and now, wife's 80 series with no questions asked. they needed a retail value when new to insure this, so now the hunt continues for the right delica... i hope that 150 will go down a tad as i forgot to mention that i'd move my current discount with the landcruiser over to the new replacement, and not adding a new vehicle.
cheers.

[ealanm]

I often laugh when I hear people bash ICBC and say private insurance is better... I've seen both sides of the coin, and ICBC is better. Hands down.
p

I've moved a car from a province with private insurance to a province with public insurance many times. Each time the public insurance was more expensive -- that's the same car and the same driver. And that includes ICBC. And that's just ordinary passenger cars. ICBC subsidizes insurance on ordinary passenger cars by dinging the heck out of anyone with anything slightly different. I brought a motorcycle here from Alberta and my insurance went up by a factor of eight! Again, same vehicle, same driver.

And then there's the issue of trying to get a claim out of ICBC. You have a totally corrupt system where your car will be written off at way below market value so ICBC can make money returning it to use as a rebuild. And you have virtually no recourse when this happens. Ask around, you will have no trouble finding people who've experienced this.

Believe me, it's a slam dunk, not even remotely close: private insurance is better in every possible way.

[konadog]

Believe me, it's a slam dunk, not even remotely close: private insurance is better in every possible way.

I am SOOOOO happy to have ICBC over the private vultures. That's not to say ICBC is perfect, far from it, but it's heaps better - HEAPS!

[hesser]

Much like cell phone companies, insurance companies all have good and bad points. In my opinion the problem with ICBC is that it is very much like a kangaroo court. ICBC is the Lawyer, Judge, Jury and Executioner. Doesn't seem right to me for that reason. They do what they want. It is in their best interest to find both parties guilty, to ANY degree, and then charge both parties with premiums for years to come. But like someone mentioned earlier your best defence against ICBC is not to claim through them. Don't get into and accident. Thank god my Deli doesn't go very fast!!

Mike

[gtr]

Ontario is terrible. My first car at 17 was a 1991 Nissan SkylineGTS-T worked ALLL summer to save up for it 12 hour days 6 days a week brutal. I paid 340/mnth to keep it on the road, it never went down, then I went to dejardins with my new gtr to pay 230/mnth at 20 years old. In ontario you have to always be ready to find cheaper insurance, just with RHD cars your in between a rock and a hard place, auto pac is by far the best in terms of insurance has to be auto pac. Get tickets? The cost to renew your tags goes up. Insurance stays the same, everyone is with one insurer and its simple, you can get insurance from a sobeys at 3am, i thought that was amazing.
Steve

[nishby]

If you're still looking, I'm with Cooperators. Just over a grand a year.