Brampton/mississauga has absolute terrible drivers. Not that north Scarborough/markham are much better.

Its funny last year i quoted dt and rate was the same even without the multi line discount.

Agressive drivers vs over conservative drivers + drivers who are not courteous (eg zipper merge) + drivers who dont understand right hand rules + right of way = a butload of accidents.

More accidents = more payouts
More payouts = less reserve cash
Less reserve = higher premiums to cover the idiots

Btw thats why they do it by zones and not by ethnicity.



I got hit by this kid from "quebec" with fake plates and no insurance. 3 brown kids that had way too much car for them.

Though what you state may be true, when I went from an ‘07 Si to an ‘07 Z, my premium rates dropped by ~$15/month for the exact same coverage.

In regards to your relatives being in insurance, they should have also told you that it’s not a good idea to have multiple policies under the same company bc in the event you make a claim for one policy, let’s say renters insurance, this can affect your auto insurance rates at time of renewal. This is a fact, as I have friends in the insurance industry at different companies and they all told me the same thing.

as your car gets older the rates should go down, and they will, especially if you try this. shop around! you should get a lower rate. and if you don't, call your insurance and ask why it's so high and that you are thinking of changing. if you do get a lower rate call your insurance to cancel and I bet they will match or beat the other offer. gl.

Time to shop for a new insurance company

:iagree:

Something else to keep in mind. You live in Southern California, where there are probably 25% of the drivers on the road are uninsured or underinsured. :icon14::icon14:

Quotes are free, call and ask your current agent how you can save money (without cranking up the deductible). If he won't help you, fire him and get a new company. :tiphat::tiphat:

Don't hate me... I pay $27.66 per month. Full coverage.

I dont hate you. Yes I do. Whats your deductable?

lol I'm at 110, I thought mine was low. Technically I registered my car under my mom and have my Lexus under my name because of insurance reasons

Okay what are your coverage limits/deductible? Full coverage could mean the very basic of the basic (ie $10k/$15k) with a $1k deductible = no bueno.

While I’m all about saving money, I find it odd people would buy a sports car and complain about having to shell out the money to put premium gas and pay premium insurance costs.

So you can afford a Z with the mods listed, but can’t afford to pay for insurance?

What you are doing is insurance fraud, and raising the costs for the rest of us.

I'm at 50k/100k liability, 25k/50k for uninsured/underinsured, and $500 deductible. I also have 4 other cars insured, and my Home with the same company, so theres discounts there. I'm 52, and have 1 ticket in the last 25 or so years for speeding (5 over, yes, in the Zed)
Many factors go into how much you pay for insurance, as mentioned above.
Driving Record, Age, Location, Miles driven per year, Credit Score, ect. (Credit score never made much sense to me...... they see you have a hard time paying bills, so they charge you More. WTF does that have to do with your driving)
Most companies offer you the option to "lay up" your car from October to May, and save some coin there as well. Our insurance company does this with our convertible, but our agent has told us that although the car is technically not insured from Oct to May, if we were to get a nice winter day, and take it out for a spin, and something happens, we can still make claim on it, just have to pay the premium for that Full year, Jan to Dec after making the claim. (which in that case is a no brainer)

Someone being old or young driving their particular car doesn't affect YOU, if affects them

It absolutely affects others. Especially so when you have an accident. How do you think the insurance companies pay for the accident if you aren't paying your fair share because you're defrauding the insurance company by lying to them? Good, honest drivers subsidize that cost.

Wrong. It affects everyone that is doing this the legal and honest way.

And who said anything about being older/younger?

:iagree: Truth!

Stay away from Progressive. Switched away after 1 year w clean record/no accidents/claims and the renewal discount was mere $100 Went to Geico and got a $500 discount compared to Progressive even w my $1k deductible on a 2018 Camry and 2010 370Z.