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Old 05-10-2005, 03:27 PM   #1
n.e.w.o.n.e
Scooby Newbie
 
Member#: 85822
Join Date: Apr 2005
Location: Edmonton
Default Insurance

How much do you guys pay for insurace and who do you use?
Who's the best insurance company in edmonton?
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Old 05-10-2005, 03:45 PM   #2
Keenan
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Member#: 2277
Join Date: Sep 2000
Location: Edmonton, Alberta, Canada
Vehicle:
2001 Impreza 2.5RS
Sedona Red Pearl

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If you are under 25, male, single, chances are you will be paying $2,000+. When I first got my car, insurance was $2,200 and I was 23. When I turned 25, it dropped to $1,500 and now sits at approx. $1,300. If you are a University Grad or member of a professional organization, I'm a CA for example, try Meloche Monnex.
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Old 05-10-2005, 03:55 PM   #3
Doob
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Member#: 72493
Join Date: Oct 2004
Chapter/Region: W. Canada
Location: Calgary Alberta
Vehicle:
97 outback sport
red

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The new insurance laws in Alberta make it illegal to discriminate based on age, sex, marital status, and other arbitrary statistics. Yes, there are correlations between these population segments and increased accident rates, but it's still not fair to punish everyone who falls into these categories. When the new laws came into effect last october, my insurance (for absolute bare minimum pl/pd, $500 000 coverage) dropped from over $3000/yr to just over $1500/yr.

I am 24, male, single, live in Calgary, and have only been driving for just over a year (I also have a perfect record, and took the AMA driver training course).

I got my insurance through AMA, and because I had under a year of driving when I got my record, I was eligible for only a single (high risk) insurer: Nordic (a branch of ING). I am now eligible for other companies, but after investigating, discovered, that at best I could save $3/yr, so for now I'm staying with them.

Also, insurance companies are being forced to accept insurance records from previous years up to a certain point (previously if you had a 6 month lapse they could claim you had no previous insurance record), other provinces, and even other countries, and it's about time, why shouldn't experience gained in say BC count as experience in Alberta?? Oh, and the government is enacting new laws to push rates down another 5-6% across the board (assuming you have a good record), because insurance companies didn't do this of their own accord despite strong encourgement by the Alberta government (surprise surprise).
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Old 05-10-2005, 04:17 PM   #4
Keenan
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Member#: 2277
Join Date: Sep 2000
Location: Edmonton, Alberta, Canada
Vehicle:
2001 Impreza 2.5RS
Sedona Red Pearl

Default

Quote:
Originally Posted by Doob
The new insurance laws in Alberta make it illegal to discriminate based on age, sex, marital status, and other arbitrary statistics. Yes, there are correlations between these population segments and increased accident rates, but it's still not fair to punish everyone who falls into these categories. When the new laws came into effect last october, my insurance (for absolute bare minimum pl/pd, $500 000 coverage) dropped from over $3000/yr to just over $1500/yr.

I am 24, male, single, live in Calgary, and have only been driving for just over a year (I also have a perfect record, and took the AMA driver training course).

I got my insurance through AMA, and because I had under a year of driving when I got my record, I was eligible for only a single (high risk) insurer: Nordic (a branch of ING). I am now eligible for other companies, but after investigating, discovered, that at best I could save $3/yr, so for now I'm staying with them.

Also, insurance companies are being forced to accept insurance records from previous years up to a certain point (previously if you had a 6 month lapse they could claim you had no previous insurance record), other provinces, and even other countries, and it's about time, why shouldn't experience gained in say BC count as experience in Alberta?? Oh, and the government is enacting new laws to push rates down another 5-6% across the board (assuming you have a good record), because insurance companies didn't do this of their own accord despite strong encourgement by the Alberta government (surprise surprise).
Good point, I forgot about that rate grid stuff. It might of reduced my premiums $15?

Anyway, go here to check out the new grid, etc.

http://www.autoinsurance.gov.ab.ca/premiums.html
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Old 05-10-2005, 05:17 PM   #5
soccer_freak_m@hotma
Scooby Specialist
 
Member#: 47261
Join Date: Nov 2003
Chapter/Region: W. Canada
Location: Edmonton, Alberta
Default

Quote:
Originally Posted by Keenan
Good point, I forgot about that rate grid stuff. It might of reduced my premiums $15?

Anyway, go here to check out the new grid, etc.

http://www.autoinsurance.gov.ab.ca/premiums.html
good link. MY dad had been hit by an uninsured driver and I had been wondering if there was something like the info it mentioned there.
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Old 05-10-2005, 11:55 PM   #6
saar
Scooby Specialist
 
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:
2013 Impreza WRX
RNN14 GTiR

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I pay 207$ dollers every two weeks ...You can figure out what that would be yearly ..I don't like to know ...haha
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Old 05-11-2005, 01:13 AM   #7
zuczek
Scooby Specialist
 
Member#: 64971
Join Date: Jun 2004
Chapter/Region: W. Canada
Location: Calgary
Vehicle:
BP05

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$1200/year, 1 million liability, Loss of use, 250/500, Business use. (ING Direct), Multi-vehicle discount. Im 28, married male.

02 WRX Sedan
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Old 05-11-2005, 03:29 PM   #8
pinkrobe
Scooby Specialist
 
Member#: 55447
Join Date: Feb 2004
Chapter/Region: W. Canada
Location: Cowtown, AB
Vehicle:
2002 WRX wagon
WRB/dirt

Default

Currently $900/yr for my wife and I. Lots of liability, everything except for glass. I'm over thirty, my wife isn't. A couple of speeding tickets between the two of us.

I went for years without having a car, and my first year back as a regular driver I was paying $3200 for PD/PL and I was over 25. The car I was driving cost $800. After 1 year and no tickets I was down to $1200.
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Old 05-11-2005, 08:58 PM   #9
phantomsr
Scooby Newbie
 
Member#: 69071
Join Date: Aug 2004
Location: Edmonton
Vehicle:
2002 Stg2-WRX Wagon
WRB & Dust

Default

1700 a year, $1 mil, loss of use, glass. $500 deductable, $50 on the windshield. 25, single vehicle, clean record(now). AMA.
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