Click to go to Forum Home Click to go to maXbimmer Home

Go Back   maXbimmer Forums > General > General Discussion
User Name
Password


Welcome to Maxbimmer.com!

You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!

Reply
 
Thread Tools Rate Thread Display Modes
Old 04-05-2012, 09:32 PM   #1
Bimmer~Zigs
1st Gear Newbie
 
Join Date: Mar 2012
Location: Toronto
Posts: 9
Who insures you? -Insurance Directory & Information-

I made this thread because of how difficult it can be to find the right place to get insurance in the GTA & surrounding areas.

I'm 20, I have a few tickets and a suspension and it has not been easy for me.

I moved out to BC for 2 years and my insurance was only $100/month for just liabiltly. I am now being turned down by many company's for my 1990 325i (my record doesn't help) and or ridiculas prices.

Please post recommended insurance company's or brokers, and additional information for other members to see. I noticed a thread with some very helpful information about insurance, but not regarding price.

Cheers
Bimmer~Zigs is offline   Reply With Quote
Old 04-05-2012, 11:15 PM   #2
nab24-
2nd Gear Member
 
Join Date: Feb 2012
Location: Keswick
Posts: 103
I must say best of luck finding insurance in Ontario. I'm 20 aswell, Spotless record and I have my AZ, been driving since 16, and to go under my own insurance lowest quote i got was 210 a month from TD but since my car isnt stock they wont insure it and everywhere else wanted 500-1200$ a month.... i literally had to put my car under my moms name so it could go under her insurance (make me principal driver) that way they dont have to look at the vehicle we just said "its stock"
__________________
Adrenaline is my DRUG, Speed is my PASSION, Racing is my LIFE!
nab24- is offline   Reply With Quote
Old 04-05-2012, 11:17 PM   #3
nab24-
2nd Gear Member
 
Join Date: Feb 2012
Location: Keswick
Posts: 103
oh and now im paying 210 a month under my moms insurance. thats just liability too..... insurance is a big rip off in ontario
__________________
Adrenaline is my DRUG, Speed is my PASSION, Racing is my LIFE!
nab24- is offline   Reply With Quote
Old 04-05-2012, 11:46 PM   #4
propr'one
op sucks cock
 
propr'one's Avatar
 
Join Date: Jun 2004
Location: T.
Posts: 17,593
Send a message via MSN to propr'one
My insurance is 92$ a month for full coverage, 500$ deductible on a 2001 M Roadster with limited glass. I have two speeding tickets from years ago.
__________________

Hot: 2001 Estoril M RoadsterZCP 19's, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's supersports, ZHP knob, UUC short shift GROM, OEM 18's w310's,
http://absolutehid.ca hid kit
propr'one is online now   Reply With Quote
Old 04-06-2012, 12:01 AM   #5
nab24-
2nd Gear Member
 
Join Date: Feb 2012
Location: Keswick
Posts: 103
You are probably older then 25 then. When I turn 25 my insurance will drop to like 60$ a month full coverage. We are both young still
__________________
Adrenaline is my DRUG, Speed is my PASSION, Racing is my LIFE!
nab24- is offline   Reply With Quote
Old 04-06-2012, 12:01 AM   #6
propr'one
op sucks cock
 
propr'one's Avatar
 
Join Date: Jun 2004
Location: T.
Posts: 17,593
Send a message via MSN to propr'one
I am 25.
__________________

Hot: 2001 Estoril M RoadsterZCP 19's, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's supersports, ZHP knob, UUC short shift GROM, OEM 18's w310's,
http://absolutehid.ca hid kit
propr'one is online now   Reply With Quote
Old 04-06-2012, 12:17 AM   #7
nab24-
2nd Gear Member
 
Join Date: Feb 2012
Location: Keswick
Posts: 103
Yea that's why. My brothers insurance dropped from 180$ a month to 75$ a month when he turned 25
__________________
Adrenaline is my DRUG, Speed is my PASSION, Racing is my LIFE!
nab24- is offline   Reply With Quote
Old 04-06-2012, 12:52 AM   #8
momax_powers
2nd Gear Member
 
momax_powers's Avatar
 
Join Date: Dec 2011
Location: Brampton, Ontario
Posts: 284
if you have relative that live in barrie or orangeville, try getting an address there and insurance in significantly lower than brampton or mississauga......i got a td insurance quote of 400 a month with a brampton address but only 165 with an address in barrie..im 23
__________________
momaXimus
E39 IV.IV
momax_powers is offline   Reply With Quote
Old 04-06-2012, 01:15 AM   #9
propr'one
op sucks cock
 
propr'one's Avatar
 
Join Date: Jun 2004
Location: T.
Posts: 17,593
Send a message via MSN to propr'one
^^if you do that, your insurance company has reason to deny your claim. (You are committing fraud.)

My insurance was about 165$ last month (when i was 24)
__________________

Hot: 2001 Estoril M RoadsterZCP 19's, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's supersports, ZHP knob, UUC short shift GROM, OEM 18's w310's,
http://absolutehid.ca hid kit
propr'one is online now   Reply With Quote
Old 04-06-2012, 01:18 AM   #10
momax_powers
2nd Gear Member
 
momax_powers's Avatar
 
Join Date: Dec 2011
Location: Brampton, Ontario
Posts: 284
i should add that when using that address...stay there and live there
__________________
momaXimus
E39 IV.IV
momax_powers is offline   Reply With Quote
Old 04-06-2012, 01:19 AM   #11
momax_powers
2nd Gear Member
 
momax_powers's Avatar
 
Join Date: Dec 2011
Location: Brampton, Ontario
Posts: 284
"insurance doesnt say u are not aloud to visit your parents house and stay for extended periods of time"
__________________
momaXimus
E39 IV.IV
momax_powers is offline   Reply With Quote
Old 04-06-2012, 01:46 AM   #12
propr'one
op sucks cock
 
propr'one's Avatar
 
Join Date: Jun 2004
Location: T.
Posts: 17,593
Send a message via MSN to propr'one
You think an insurance company lawyer would have a hard time proving where you really live?
__________________

Hot: 2001 Estoril M RoadsterZCP 19's, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's supersports, ZHP knob, UUC short shift GROM, OEM 18's w310's,
http://absolutehid.ca hid kit
propr'one is online now   Reply With Quote
Old 04-06-2012, 01:59 AM   #13
momax_powers
2nd Gear Member
 
momax_powers's Avatar
 
Join Date: Dec 2011
Location: Brampton, Ontario
Posts: 284
because of bramptons high insurance i know many people who are forced to do this...4-600 a month is outrageous for people in the early 20s who have decent records. People feel that they are getting scammed so they are less incline to be totally honest with insurance companies....nobody tells the complete truth when filling out insurance forms i.e kms driven per year, distance to work etc. and a insurance lawyer could technically deny a claim for any one of those things...same shit different pile. It is fraud but so is saying you drive 15000km a yr when u actually drive 30000km. And from personal experience from friends and family who have done this....they havent had any problems with claims or insurance lawyers. Lawyers usually get involved when it comes to injury extremely high injury claims with regards to if your actually hurt or not and if the healing process is reasonably priced.
__________________
momaXimus
E39 IV.IV
momax_powers is offline   Reply With Quote
Old 04-06-2012, 09:23 AM   #14
bmwm5lover
is BMW crazy
 
bmwm5lover's Avatar
 
Join Date: Sep 2002
Location: Thornhill
Posts: 15,229
I just spent hours a week ago speaking to over 20 companies and agents and checking insurance hotlines online.
I received quotes as high as 700$, most were in the 350-450$ range. (full coverage on the M5)
Aviva beat all of them by a fair amount.

I am 25 (26 in july), one ticket that comes off in december and no insurance history.
__________________
www.enthusiastauto.caNeed a car???

His--'00 BMW ///M5 .:Jet BLK/BLK:. Individual - Style 65 Wheels; 9.5" Square Set up;275 Tires;10mm/3mm Spacers; Black Kidneys;Muffler Delete; 3.5" Dual Tips; Beast Power; "Dinan" Ducts; E60 SSK; BC Coils
Hers--'00 BMW ///M5 .:Avus Blue/Grey/Black:. '01 Exterior Upgrades; E60 SSK
Toys'81 MB 500 SEC Euro Koenig
'91 Alfa Romer 164S- Red/Black/ Recaro interior
bmwm5lover is online now   Reply With Quote
Old 04-06-2012, 03:35 PM   #15
Deep 3.2TL
6th Gear Member
 
Deep 3.2TL's Avatar
 
Join Date: May 2004
Location: Milton
Posts: 3,221
All depends where you live too... When I was 24, living with my parents in Mississauga, my '92 Prelude was $160 a month. Turned 25, got married, moved into my own place my 2 cars (new at the time 2002 Sentra SE-R and '92 prelude and my house) were running me about $295 a month. That's with an at fault accident in the '02 SE-R - Bad weather, slid into the curb, bent axle, etc...

Now, I'm 35, in Milton, '07 Z4, '07 MDX, '06 TL (all with 2 drivers) and my house run me $285 a month total. That's with an accident just a month ago (right before my renewal) but I have accident forgiveness with my package.

Milton's gotta have some the lowest rates around that I've seen...

Suspensions gotta be the biggest red flag on yours... you really should be more responsible while driving, it'll be cheaper for you...
__________________

2007 Z4 3.0si
Deep 3.2TL is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump


All times are GMT -4. The time now is 12:46 PM.


Powered by vBulletin® Version 3.8.1
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.