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View Full Version : What a difference a year makes


Asher
24-03-2005, 19:45:53
Yearly car insurance rate: Same location, same driving record, same car, etc:

Before corporate discount: $8023/year
After: $6723

And after my renewal goes through next week:
$4004/year (incl. discuont again)

Why? Because I'm 21 now, not 20.

jsorense
24-03-2005, 19:48:50
Originally posted by Asher

Before corporate discount: $8023/year
After: $6723
:eek: :eek: :eek:

fp
24-03-2005, 19:50:39
Older people are just better than younger people. End of story.

Japher
24-03-2005, 20:00:15
Older ppl are generally worth more, so if you get in a wreck with an older person, and they don't have insurance, sueing them for all they're worth will actually yield more than a baseball card collection and a slightly used stereo.

Lurker
24-03-2005, 20:06:21
My damn insurance should be free, then.

Darkstar
24-03-2005, 20:20:31
The odds of you killing yourself has decreased significantly, Ash. Therefore, the math says they can get the same profit out of you and charge you less on your insurance now.

Japher
24-03-2005, 20:21:27
Actuaries suck

Oerdin
24-03-2005, 23:05:59
My rates look positively wonderful compared to your's Asher.

alsieboo
24-03-2005, 23:46:29
Originally posted by fp
Older people are just better than younger people. End of story.

QFT :p

Spec
25-03-2005, 00:22:46
Originally posted by Asher
Yearly car insurance rate: Same location, same driving record, same car, etc:

Before corporate discount: $8023/year
After: $6723

And after my renewal goes through next week:
$4004/year (incl. discuont again)



6000!!! :eek: :eek: :eek:

What the hell do you drive man!!?? Or how many accidents were you in!

Geez....

Spec
25-03-2005, 00:41:00
Oh and Asher

Originally posted by Asher
IIRC Spec isn't Canadian, as he's from Quebec.

You dont remember, you think I think that because I am from Quebec. And you generalize and think that all french candians are whinny lazy bastards that want everything for nothing.
Well I am not one of them. I am not part of the 15% of my province. And I am pretty sure you are not part of the 15% of English canadians who are whinny oppressed eggotistical middle class losers. I am a proud Canadian and a Proud Quebecois. And if there were less people like you, maybe we could just get along.
Just tell your self that french Canadians have as much reasons to hate English Canadians and vice versa. Why cant you haters just call it quits and drop it. Its been going on for too long...AND it's useless.

Spec.

Greg W
25-03-2005, 00:55:05
Originally posted by Spec
And I am pretty sure you are not...whinny oppressed eggotistical middle class losers.Other than the middle classed bit (not sure on that one), that's Ash down to a tee. :D

jsorense
25-03-2005, 02:07:36
let go my eggo.:nervous:

Japher
25-03-2005, 06:32:11
oh crap! I just thought that was a soggy,,,,

uh

nm

notyoueither
25-03-2005, 07:17:49
You'll be happy to get back to 'socialist paradise' in Alberta, where age descrimination for insurance has been banned.

notyoueither
25-03-2005, 07:19:16
Don't get a speeding ticket though.

It seems that since the insurance companies have been given no choice but to go on record, you'll get killed based only on your record.

Asher
25-03-2005, 07:31:45
Originally posted by Spec
6000!!! :eek: :eek: :eek:

What the hell do you drive man!!?? Or how many accidents were you in!

Geez....
1) It's not the car, I got quotes for a 1991 Corolla and it wasn't much cheaper than my '04 Mazda3 Sport GT
2) I've been in 0 accidents, my fault or otherwise
3) I've had a full-out license since I was 16
4) The problem is my age and being completely independent of my dad's insurance, and living in Toronto. It is SUBSTANTIALLY cheaper in Calgary, and cheaper still if I'm a primary driver under my dad's policy. But I'm in Toronto, primary under my own...killer insurance for a 20/21 year old.

My brother's is even higher...he's 19 with a perfect record as well.

Asher
25-03-2005, 07:33:16
Originally posted by Spec
Oh and Asher

You dont remember, you think I think that because I am from Quebec. And you generalize and think that all french candians are whinny lazy bastards that want everything for nothing.
Oh quit whining. :cry:

Asher
25-03-2005, 07:35:22
I'm just saying for a province who gets off on being different -- a province who refuses to even sign our constitution -- I don't consider them Canadians on the same level as the provinces who are fully involved with Canada as a nation.

It's full of French protectionism and other nonsense, and people who support such nonsense.

notyoueither
25-03-2005, 07:37:10
It's really funny to hear an Albertan talk about outcasts. Actually, it's not, but anyway.

Asher
25-03-2005, 07:44:33
Alberta has money, Quebec sucks money.

Money is how the world works.

Quebec < Alberta.

French < English.

Quebecois < Albertans.

notyoueither
25-03-2005, 07:48:20
If you really believed what you just posted, I'd be afraid. Now all that I'm afraid of is that people will take it seriously.

Diss
25-03-2005, 07:54:39
why is car insurance so expensive in Canada?

notyoueither
25-03-2005, 07:57:20
The insurance companies have been allowed to gouge people based on age and gender with no relation to record or ability.

Lazarus and the Gimp
25-03-2005, 08:26:47
Originally posted by Diss
why is car insurance so expensive in Canada?

They all have rubber eyes and can't drive.

DaShi
25-03-2005, 08:30:33
Originally posted by notyoueither
The insurance companies have been allowed to gouge people based on age and gender with no relation to record or ability.

Do minorities get lower rates? ;)

notyoueither
25-03-2005, 08:34:55
I don't think so, this is more of an equal opportunity screwing.

Greg W
25-03-2005, 09:38:44
Originally posted by jsorense
let go my eggo.:nervous: What's an eggo? An ego I could understand... :p

MoSe
25-03-2005, 11:01:27
Easter Eggo, you downdumber :p

MoSe
25-03-2005, 11:06:37
I think I pay ~500/600 €/yr...
I have a 1997 Renault Megane, I'm 42 and never *caused* an accident since I got the license 24 years ago (we can't get it before 18 here), my insurance bonus/malus class must have topped up thru the ceiling by now :)

that makes for an amazing difference, ain't it? :D

Vincent
25-03-2005, 11:10:31
I have no car. Please close this thread. I won't buy a car to read it

MoSe
25-03-2005, 11:11:13
I will gift you mine when I'll have to wreck it

Vincent
25-03-2005, 11:12:00
When you give it to me I'll wreck it

MoSe
25-03-2005, 11:13:28
Deal then.
do we have to spit in each other's hand now?

Vincent
25-03-2005, 11:14:33
I did that already with your beer when you were here

MoSe
25-03-2005, 11:15:52
That i snot fair

Vincent
25-03-2005, 11:16:48
Fair enough

miester gandertak
25-03-2005, 11:17:33
fancy?

Vincent
25-03-2005, 11:22:11
dooooo di dooooo

Drekkus
25-03-2005, 12:32:22
Snotverdomme!

zmama
25-03-2005, 13:24:52
Originally posted by Vincent
I did that already with your beer when you were here

Spit? I thought you....?

Oh nevermoind

Spec
25-03-2005, 13:25:22
Originally posted by Asher
1) It's not the car, I got quotes for a 1991 Corolla and it wasn't much cheaper than my '04 Mazda3 Sport GT
2) I've been in 0 accidents, my fault or otherwise
3) I've had a full-out license since I was 16
4) The problem is my age and being completely independent of my dad's insurance, and living in Toronto. It is SUBSTANTIALLY cheaper in Calgary, and cheaper still if I'm a primary driver under my dad's policy. But I'm in Toronto, primary under my own...killer insurance for a 20/21 year old.

My brother's is even higher...he's 19 with a perfect record as well.

At your age, for the exact same car exept a 1990, I paid 550$ a year insured on one side only. And on my RX-7, when I bought it 6 years ago, I paid 1371$ insured on both sides. You guys are getting screwed.

Spec.

MoSe
25-03-2005, 13:28:21
Originally posted by Asher
1) It's not the car, I got quotes for a 1991 Corolla and it wasn't much cheaper than my '04 Mazda3 Sport GT


From this thread's title, I thought you got quotes for a Mini Cooper

DevilsH@lo
26-03-2005, 04:01:25
So you're paying one third the worth of the car in insurance, that sucks, i have a ban and 9 points and 3 insurance claims, although 2 were non fault wildlife incidents and the other was on a motorbike and i still pay less than that for a car which is 4 groups higher in the UK.

Your insurance company is screwing you royally, in 4 years time you'll have spent enough to have 2 hairdressers cars on your drive.

:D

Asher
26-03-2005, 07:20:57
Originally posted by Spec
At your age, for the exact same car exept a 1990, I paid 550$ a year insured on one side only. And on my RX-7, when I bought it 6 years ago, I paid 1371$ insured on both sides. You guys are getting screwed.

Spec.
Tell me about it. They get away with it because Royal is the only company who will insure boys under 21 living away from their parents with their own car.

Everyone else laughs at you and declines to cover.

And then they charge through the roof...

RedFred
26-03-2005, 08:01:48
Car driving is so passe.

But now I am curious. What kind of animals did you hit? Something big enough to total your car like a moose or something rare enough that they threw the book at you? Whooping crane?

notyoueither
26-03-2005, 09:46:10
A Tory.

miester gandertak
26-03-2005, 10:07:25
TORRRRRR that's doelpunt

Dyl Ulenspiegel
26-03-2005, 10:51:29
People should get an insurance bonus for running over Tories.

Funko
26-03-2005, 11:28:13
I know Canadian dollars are pretty much worthless but 4000 still sounds like a huge amount.

zmama
26-03-2005, 11:43:24
1760 £

Funko
26-03-2005, 11:46:10
What's he driving, a Ferrari?!

miester gandertak
26-03-2005, 12:05:00
My last car was a Ferrari Panda.
red and all.

Funko
26-03-2005, 12:17:18
That means last year his insurance was £3400? That's getting towards the cost of a new car.

miester gandertak
26-03-2005, 12:18:30
cost of my car inclu the gasoline for a year.

Funko
26-03-2005, 12:40:06
Yeah, they reckon (in the UK) that the average cost of running a car is £3000 a year.

Dyl Ulenspiegel
26-03-2005, 12:51:39
About 4000 € here, too (including depreciation).

Crazy Canadians.

Funko
26-03-2005, 12:53:12
Of course, petrol is £3000 a gallon.

Dyl Ulenspiegel
26-03-2005, 12:55:11
You mean 3000 canadian $.

miester gandertak
26-03-2005, 12:56:14
Originally posted by Funko
Of course, petrol is £3000 a gallon. that's is a bit teuer isn't it?

Dyl Ulenspiegel
26-03-2005, 13:04:38
ungeheuer teuer

Oerdom
26-03-2005, 13:06:37
ungeheuer teuer, hasst du feuer

Dyl Ulenspiegel
26-03-2005, 13:10:55
lässt sie meinen Drachen steigen gibt es kein Zurück

DevilsH@lo
26-03-2005, 15:23:29
Originally posted by RedFred
Car driving is so passe.

But now I am curious. What kind of animals did you hit? Something big enough to total your car like a moose or something rare enough that they threw the book at you? Whooping crane?

Two of the queens own deer, one house sized stag and another much smaller one. Oh and i hit a badger, which ripped the sump of my engine, although that wasn't an insurance claim.

I have also had numerous pheasants and rabbits/hare.

ME GREAT WHITE HUNTER!!! :lol: :shoot:

RedFred
26-03-2005, 21:18:35
:lol:

My friend's father hit a cow once and he is very lucky to be alive.

What a difference a year makes, indeed...

A year ago I was a lifelong renter, now I own my first home. Last year I was in year five of my planned 'mid-career break'. Now I am back working in a senior position at a benefits consulting firm. Last year I was a single guy, never married. Since last summer I met the woman of my dreams and now we are planning a 2006 wedding.

Meanwhile Asher's car insurance went down a couple thousand.

notyoueither
26-03-2005, 22:21:30
Wow, Fred, congratulations. :beer:

jsorense
26-03-2005, 22:36:59
Congratulations Redfred. :beer:
Who is the lucky woman?
You have just put at least 15 years on your life expectancy. Cheers.

Greg W
27-03-2005, 00:42:31
Congrats Red. :beer:

A year ago I was married to my best friend. Now I am not. Bugger.

jsorense
27-03-2005, 01:24:51
There ain't no use to sit and wonder why Greg.
You got a lot to give dude.:beer:

Greg W
27-03-2005, 02:04:00
I've got a new saying. Get busy living or get busy dying.

jsorense
27-03-2005, 02:20:11
Dude, you have a new life ahead of you.
And you are solid gold.

Greg W
27-03-2005, 02:32:52
That just means that I sink in water tho. :p

jsorense
27-03-2005, 02:48:25
Shine on you crazy nugget.

Greg W
27-03-2005, 02:57:01
Nugget of deer turd? :gasmaske:

jsorense
27-03-2005, 03:05:27
Dude, I've known you a long time. Do not, I repeat, do not sell yourself short.

Greg W
27-03-2005, 03:19:41
Allright, Kangaroo turd then. :p

jsorense
27-03-2005, 04:57:35
The Golden Wombat.

Greg W
27-03-2005, 12:49:18
Mortal Wombat!

Spartak
27-03-2005, 18:58:56
Good for RedFred. Hurrah!

Darkstar
31-03-2005, 07:58:54
Congrats to you RedFred!

Tizzy
31-03-2005, 08:51:48
:beer: for RedFred

A year can certainly make a huge difference :D

Funko
31-03-2005, 08:53:09
:nervous:

RedFred
01-04-2005, 03:06:18
:o

Thanks for all the well wishes.

I met her volunteering. I totally wasn't thinking of meeting anyone at the time. It just happened.

;)

Qaj the Fuzzy Love Worm
01-04-2005, 05:31:52
It never does. Same thing happened to me. One day I'm trolling the Yahoo! Christian message boards, next day I'm married to one of 'em.

Darkstar
01-04-2005, 08:07:25
:lol:@Qaj. See? Trolling can be dangerous! ;)

notyoueither
01-04-2005, 08:43:21
Originally posted by RedFred
I met her volunteering. I totally wasn't thinking of meeting anyone at the time. It just happened.

;)

That's how the best things happen.

Tizzy
01-04-2005, 09:21:34
Yep, the best things come along when you're not looking for/expecting them :beer:

Gary
01-04-2005, 09:28:39
So do the worst.

Life ? Don't talk to me about life.

OldWarrior_42
01-04-2005, 09:40:07
Congradulations Red Fred.

And meanwhile, again, after all these well wishes to RF... Asher's insurance came down a couple thousand again. :lol:

Gary.... everything ok or what?

Gary
01-04-2005, 10:04:02
:D Marvin the paranoid android ;)

Thanks for enquiring. Just the usual. Wondering what the point of life is anyway. I'd pay no attention if I were you, no one else does :)

notyoueither
01-04-2005, 10:13:24
The point to life is death and taxes, and then a little bit about what you do along the way.

Gary
01-04-2005, 10:14:41
Such as post here ?

notyoueither
01-04-2005, 10:18:38
You could do worse. Much worse. You could be Venom.

Darkstar
01-04-2005, 10:27:06
Gary, the point to your life is, apparently, to have a good time. Tis a good goal. Not much of the universe can experience that, after all, so its something we should do, as often as feasible. ;)

Drekkus
01-04-2005, 11:48:39
Originally posted by RedFred
:lol:

My friend's father hit a cow once and he is very lucky to be alive.

What a difference a year makes, indeed...

A year ago I was a lifelong renter, now I own my first home. Last year I was in year five of my planned 'mid-career break'. Now I am back working in a senior position at a benefits consulting firm. Last year I was a single guy, never married. Since last summer I met the woman of my dreams and now we are planning a 2006 wedding.

Meanwhile Asher's car insurance went down a couple thousand. damnit, redfred, you shouldn't hide info like this away in boring car insurance theads. Good to hear you're doing well! :beer:

By the way, did I mention that I pay 1800€ a year for my car, including everything.

Funko
01-04-2005, 13:34:26
I still don't understand why Asher's insurance is so high.

It's like he's driving a Golf GTI and lives in Liverpool.