Your Insurance !

[CON VERT]

For those that did not get your discount of 10% call your insurance if u did not get it , I pay on a monthly plan & they forgot ! wonder how many others they have forgot ! they are making more money than ever before , accidents across the country are down over 500% , & I think the real #'s are even higher, they are currently making Billions on insuring nothing ! cars parked ! were still paying !
CALL YOUR INSURANCE CO TODAY & GET YOUR DISCOUNT ! CAUSE U KNOW WHEN THIS IS OVER THEY GOING TO RAISE IT !

[bbriann]

I am reluctant to call insurance company...but my thinking, I could be wrong.
I believe discount will only apply from the day you contact insurance to the day you start driving to work again. So discount will be applied for next say 2 months for example when you start driving back to work. Then call them back and notify them you are now driving back to work and start paying 10 percent more and maybe they find away to update your info so you can pay even more then the original 10 percent discount...ya don't trust insurance companies at all...but this is simply my thoughts...

[ZR]

^ Your reading my mind.

[CON VERT]

It also includes house , another 10% !

[ZR]

Surprised if they don't add 10% to the house since we are all home so much.

[bbriann]

^^^^ that's what I was thinking. The email sent to all from my insurance company does not mention anything about home insurance discount...only auto. Also for me come September the annual insurance renewal the up to date rates would apply automatically...whether it's up or down on cars and house rates based on me not working at home

[CON VERT]

Spending more time at home means you are likely driving less than the kilometres noted in your policy. That's why CAA Insurance is offering a 10% rate reduction for both CAA Auto and Home insurance policies.

[*=left]The rate reduction will be applied automatically on all new policies as of April 15, 2020 and renewal policies as of June 15, 2020. The rate reduction will be applied for your full policy term and will be available until the pandemic is over.

[Foxstang]

I put a park on the 2nd daily driver at the beginning of this crap... I also notified them that I don't do my 100km daily commute on the truck anymore and my annual km is now 2000...

I'll call back to change my daily commute expectations once things go back to normal... I'm sure my wife will continue to be 100% remote so we're thinking about selling the 2nd daily driver. But she refuses to drive the Ranger, I think it's a more fun vehicle than the Edge...

[JZ67]

Don't get me started with insurance companies. I guarantee that they are going to increase rates sighting losses in world funds markets. They invest and make money in the markets and funds are taking a shit kicking. I have had this discussion with my insurance company in the past. They don't seem to understand that their risk in the financial market is not our problem.

MINT2000, you're on a rampage lately. You ok?

[CON VERT]

^^^^ Joys of being a Senior Citizen ! > LOL-

[fast Ed]

MINT2000, you're on a rampage lately. You ok?

Stuck at home, too much time to think of new rants.

[CON VERT]

NO, I'm normally this grumpy, but the last few days its been in OD !

[ZR]

^ I'll vouch for him gosh darn it.

;)

[CON VERT]

What a PAL ! :oldman:

[shakin]

I'll second ZR's comment.

[Jack Raccoon!]

----------------------------------------------------


GET OFF MY LAWN!


----------------------------------------------------

[92redragtop]

For those that did not get your discount of 10% call your insurance if u did not get it , I pay on a monthly plan & they forgot ! wonder how many others they have forgot ! they are making more money than ever before , accidents across the country are down over 500% , & I think the real #'s are even higher, they are currently making Billions on insuring nothing ! cars parked ! were still paying !
CALL YOUR INSURANCE CO TODAY & GET YOUR DISCOUNT ! CAUSE U KNOW WHEN THIS IS OVER THEY GOING TO RAISE IT !

My insurance co just had an opt-in selector on their website so didn't have to call them. Got a rebate deposited to my bank account last week.

[CON VERT]

OK, the 3 of you cowboys on my major $HIT LIST !

[saleen27c]

My insurance co just had an opt-in selector on their website so didn't have to call them. Got a rebate deposited to my bank account last week.

I got my rebate deposited last week as well. I'm with Desjardin Insurance.

[92redragtop]

I got my rebate deposited last week as well. I'm with Desjardin Insurance.

Yeah -I'm with The Personal who is under the Desjardin umbrella.

[Gr8Stang]

No discount @ My insurance Co. (Belair Direct). Told me I could basically park one of my cars if its not being used (keeping fire/theft on it) and they would refund me the balance already paid (I paid for the yr. up front since they now charge you a nominal fee if you go monthly payments). My renewal is June 29.

Unlike when I store the Shelby for the winter, and they tell me I can't bring it back on the road for at least 45 days......they will allow you to bring the car back on anytime due to the pandemic circumstances.

Still undecided on whether I want to park one of the cars.....

[Old Fart]

My insurance company (Cooperators) offers a minimum 10% rebate but it's only for the premium paid during April 1st to May 31st. Then only paid to me in July. We'll see how it turns out.

[Snaketamer]

Got an email from my brokers, OTIP... It states, the only way to reduce my premium is to change my vehicle status to pleasure driven from daily driver(commuting to work, etc.). However, my wife and I are both retired so, my vehicle status is already pleasure only. Second way to lower premium, is to remove road coverage. Well, thanks for nothing...lol

I've always had a disdain for the insurance industry and this does nothing to change my view.

[bbriann]

So for simple math if you're paying $1200 per year car insurance and get 10% discount for 2 months = rebate of $20 oh ah...some insurance company ask fill out for and answer questions...for $20 I think best Not to contact insurance company....

[FABMAN]

Got an email from my brokers, OTIP... It states, the only way to reduce my premium is to change my vehicle status to pleasure driven from daily driver(commuting to work, etc.). However, my wife and I are both retired so, my vehicle status is already pleasure only. Second way to lower premium, is to remove road coverage. Well, thanks for nothing...lol

I've always had a disdain for the insurance industry and this does nothing to change my view.

Yup, I am with them too...ended up taking road coverage off my daily driver and only kept it on my wife’s car. Unfortunately I will need to call them again to add the Mustang once I pick that up...insurance companies just put me in a bad mood.

[JonsMustang]

Desjardin here, saved 38% off for 3 months on auto insurance.

[Quicksilver]

I took liability off my JAg and all 3 of my trucks, as we aren't working. The Jag has been parked since November. I have only fire and thefr on all 4.
I have been told that even though my wife's car is hardly being driven at all(groceries once a week, ) there is no discount.
As far as my business insurance, also a no go. Since we are not working we don't need liability, but I've been told it would be unwise to cancel it. First, it's difficult to arrange and if we cancel it might be hard to renew (my current policy is the result of "shopping the market" by my broker for 4 months), and there would be no guarantee I could get snow plow coverage again.
Very few insurance companies are insuring snow plow activity anymore, so to get it is expensive, hard to arrange and totally at the whim of the company.
Thus. I'm not working in April and May. My liability and overall business insurance is around $1500/month. So, I'm forced to pay that insurance no matter what, just to make sure I can keep it. $3 grand for literally nothing.

[bbriann]

Discounts appears to be up to each individual insurance company and only if they want to give you a discounts...not forced by the government...but media sure made if sound like every one was going to get discounts, go figure

[Stephen06GT]

If the insurance companies had any sense of decency they would offer a discount to everyone during this pandemic.























Ya, what was I thinking, using "insurance company" and "decency" in the same breath.

[CON VERT]

Just so we have the math right. 10% of 1200 is 120 X 2 months = $240 etc etc , agreed would not do it for 20-40 bucks but $240 + seems like a significant savings to me !




So for simple math if you're paying $1200 per year car insurance and get 10% discount for 2 months = rebate of $20 oh ah...some insurance company ask fill out for and answer questions...for $20 I think best Not to contact insurance company....

[bbriann]

Just so we have the math right. 10% of 1200 is 120 X 2 months = $240 etc etc , agreed would not do it for 20-40 bucks but $240 + seems like a significant savings to me !
Maybe your insurance company is doing math differently but if any other insurance companies clearly state discount is applied to either a 2 or 3 month period Not entire year.
But maybe your insurance company is the exception.

[CON VERT]

YOU Sir , have a good point ! Yes I was lookin at the yearly savings !

[RedSN]

Maybe your insurance company is doing math differently....
Glen’s math is correct if he is paying $1200 per month. Those new Caddy’s ain’t cheap.

[bbriann]

$1200 is actually for 2 vehicles...they figure I can't drive both at same time...and if I was to take 1 off road then price other vehicles insurance goes up...so I don't bother charging coverage seasonally...

[fast Ed]

Glen’s math is correct if he is paying $1200 per month. Those new Caddy’s ain’t cheap.

No they aren't, but they do come with OnStar and Sirius radio free for the first 6 months I think. :stickpoke:

[CON VERT]

Glen’s math is correct if he is paying $1200 per month. Those new Caddy’s ain’t cheap.

The new Caddy is cheaper to insure than my 2018 dodge grand caravan !

[CON VERT]

No they aren't, but they do come with OnStar and Sirius radio free for the first 6 months I think. :stickpoke:

30 Days for ON STEAL, if u give them a credit card u get another 2 months for free , then your under a yearly contract , Sirius is 3 months free, 3 more if u sign up with a credit card !

[Quicksilver]

So for simple math if you're paying $1200 per year car insurance and get 10% discount for 2 months = rebate of $20 oh ah...some insurance company ask fill out for and answer questions...for $20 I think best Not to contact insurance company....

Who is paying $1200 for car insurance? My wife's 2019 Fusion is $2000 a year. She has a clean record and is 66. We are with one of the largest brokers in the city, whose co founder is a relative. They couldn't find us insurance that cheap.

[CON VERT]

I Am, insurance on the caddy is $1120 a year -with 2 million coverage & $1000 deductible

[fast Ed]

30 Days for ON STEAL, if u give them a credit card u get another 2 months for free , then your under a yearly contract , Sirius is 3 months free, 3 more if u sign up with a credit card !

Ah, so you didn't pay enough for the car then apparently. Didn't realize OnStar was only a 30-day trial. They might call to get you to sign up for the paid contract.

[bbriann]

Who is paying $1200 for car insurance? My wife's 2019 Fusion is $2000 a year. She has a clean record and is 66. We are with one of the largest brokers in the city, whose co founder is a relative. They couldn't find us insurance that cheap.
Like I said in original post I paying $1200 per year...and it's for 2 vehicles, ..not per month . I pay $100 per month total for the 2 vehicles. 10% of 100 is $10 saving per month, if I was offered by my insurance company for the 2 or 3 month period...like said simple math...very simple

[newbiestangowner]

Who is paying $1200 for car insurance? My wife's 2019 Fusion is $2000 a year. She has a clean record and is 66. We are with one of the largest brokers in the city, whose co founder is a relative. They couldn't find us insurance that cheap.

Maybe look for another insurance company- I won’t tell you how much under $1200 I’m paying for full coverage on the stang, I don’t want to further upset you:)



Sent from my iPhone using Tapatalk

[The Newmare]

I pay like 3500 for 3 vehicles

[newbiestangowner]

Ya I got 3 vehicles too- quicksilver I think you should make some phone calls- cause what you’re paying for your wife’s Insurance alone per year is what some are paying for more than 1 vehicle, and that includes my wife too

I didn’t go through a broker- I just called my insurance company I was with at the time


Sent from my iPhone using Tapatalk

[CON VERT]

^^^ Another Guy on my $hit list ! LOL
Best part is they know every km on that vehicle it still has less than 100 km's on it !

[Jack Raccoon!]

Who is paying $1200 for car insurance? My wife's 2019 Fusion is $2000 a year. She has a clean record and is 66. We are with one of the largest brokers in the city, whose co founder is a relative. They couldn't find us insurance that cheap.Sorry to hear of your troubles. I found a way to save some extra cash is to cancel my cell phone and home internet plans...

[RedSN]

We are with one of the largest brokers in the city, whose co founder is a relative.
Maybe find new relatives? :shrug:


$1387 for the Frontier
$333 for the Mustang

[hsousa88]

Think some people here need to take into account where you live, not what you drive.

For me, makes no sense to call them and save $30-$40

[92redragtop]

Think some people here need to take into account where you live, not what you drive.

For me, makes no sense to call them and save $30-$40



So far I got $110 deposited to my account. That's about four WNNOTC's.


Keep in mind if you don't ask for the refund, you're actually subsidizing my refund. Thanks!

[ZR]

Want something to choke on, what I pay in Scarb with no convictions is criminal, yes have shopped it to da max.

[CON VERT]

I remember those days quite well ZR, happy to be in Ajax !

[ZR]

The difference is freakin insane.

[FABMAN]

Want something to choke on, what I pay in Scarb with no convictions is criminal, yes have shopped it to da max.

I can relate, Woodbridge is quite high as well and we have clean records.

[True Blue]

I can relate, Woodbridge is quite high as well and we have clean records.

So true, while there is a lot of shitty drivers in Woodbridge. The problem lies with insurance companies mapping us with all of York Region which includes high risk areas like Maple and Markham.

[ZR]

Mapping part is BS in my eyes, feels like double dipping. If the peeps I drive around have had / are more prone to having accidents, why am I paying for it vs them not seeing even higher rates?
When calling around for sled insurance a few years back, about a third or more I called would not even quote citing they are not competitive in my area code. Kidding me right, can't ride a sled in the GTA!!!!
No tickets, no accidents, own my own home outright, good credit, drive a vehicle that falls into a low rate category, freaking old as dirt but yet pay north of $3500/yr for my truck and wifes HHR. Riddle me that one Batman.
My brother lives in Port Perry, yr younger n drives same truck but a yr older, pays just over half of what I do and his is listed as traveling for work each and every day. Exact same scenario years ago when he had an Olds 98 Touring sedan and we had a Buick Park Ave (both same yr), paid under half of what I did.
When it comes to rates, shove it up the ass of those who are creating the neg stats n leave the rest of us alone.

[True Blue]

No tickets, no accidents, own my own home outright, good credit, drive a vehicle that falls into a low rate category, freaking old as dirt but yet pay north of $3500/yr for my truck and wifes HHR. Riddle me that one Batman.

Is junior under the policy?

[Quicksilver]

If you really want to choke:
my 2016 Jaguar is $3600.00(My Mustang was $3400). Seems a 69 year old man with 2 tickets in 6 years driving a high powered sports car is considered a major risk
2019 Fusion $2000
2017 F-250 Work truck: $2500 Business insurance
2018 F-550 Dump truck: $5000!!!!! Business insurance
2019 F-250 truck $2500 (my son owns it: 33, clean record)
16 ft flatbed trailer: $500
We have $1000 deductible on the cars, $1500 on the trucks. Only one claim on business insurance in the last 15years, $5,000,000 liability

The problem with business insurance is that none of the companies want it, so they price it high.
And shopping around?:
I'm currently with Intac, who are the only ones who give us snow liability(the business liability is $12,000 per year). I have never had a liability claim in 41 years. We've tried RBC, Royal Sun and Alliance, Dejardins and several others. In our case, it seem, you have to pay to play.

[1quikgt]

I’m glad my wife works for an insurance company. Couldn’t imagine paying the rates some of you are. I’ll leave now before I get lynched lol.

[Foxstang]

Insurance is a scam, a legal mob if you will. I got quoted 6k year just as a business who stores cars over the winter, no electrical in the 30x100 shed, no batteries in the cars (to avoid the chance of fire) and legal BS contract with each client in terms of responsibility. Then another insurance fee if I add oil change and detailing to that storage offering... not to mention the commercial insurance on the future F250 and enclosed trailer. My profits would be eaten up by insurance and government with nothing left for little ol me...

I think I'm paying 1350/year for the 2019 Ranger and 1500 for the 2015 Edge (wife got in a collision).

[Old Fart]

Just put full insurance back on the mustang...$215 for 6 months. :D

[newbiestangowner]

Just put full insurance back on the mustang...$215 for 6 months. :D

Don’t tell that amount to Quicksilver:)


Sent from my iPhone using Tapatalk

[ChristenHoer]

I was reading this (https://www.prweb.com/releases/why_insurance_rates_have_gone_up_recently/prweb17282477.htm) press release and found that rates of home and auto insurance have been increased in Canada after this pandemic. According to insurance broker Filip Ambroziak, the prices would also go up in 2021 due to low-interest rates, frauds and many other reasons. In my opinion, weak economies would also hit the insurance sector. It is more difficult for personal vehicles, and commercial ones still have some privilege in terms of multi breakdown cover and fleet insurance etc.

In this regard, I was comparing quotes of multi-car driver plans from here (https://www.multiquotetime.com/), but I am not sure either they cover private vehicles, especially when it is about for single private use vehicle. Vehicle cover could also be a good option, but I don't think it includes a coverage plan for drivers. By the way, the rates of Allstate and Aviva Insurance were fine before the pandemic, but I can't say anything about their policies after lockdown. I think we would see many modifications in the auto insurance industry as well after this coronavirus pandemic.

[CON VERT]

My daughter just went with CAA, they now have a pay as u go type of insurance, $55 month, + $200 per 1000 kms, for her it works as she only drive several thousand KM's per year ! beats the $350 monthly she was paying.

[Gr8Stang]

Best advice: shop around for your car/house/personal insurance. Rates can vary substantially. Let your fingers do the walking......and your wallet do the talk'n!! :cheers:

Oh, and consider raising your deductibles and/or eliminating collision coverage.....especially if you have an older vehicle, since the insurance company won't likely give you much $$ in return if the car is damaged/written off.