Well iv had my S5 in storage for a while now, and since i gots me some more cash money and the white stuff is slowly disapearing I think its time for it to come out again. Well Im with the Co - Operators rite now and im getting a shitty *** rate probally cause they're shitty *** company so im trying to get an idea of who i should be tryn out. I got a quote from belair for 215 a month but i wanna see if i can get better n e sugestions on who i should try? I was thinking of PC Financial (lawbla's) but there online quote thing isnt working for me. n e ways i live in T.O., 21, G liecence whos good?

 

Ugh! The co-operators...the worst company that I have ever dealt with. I switched over to a broker years ago and have been as happy as a pig in **** ever since.

 

yeah Im thinkin of doin that too I have a few friends who been reconmending a few brokers to me thanxs

 

Toronto + 21 + any sort of traffic ticket = rape.

Ask me how I know ;-)

 

My first recommendation is to have a clean record ie no tickets or claims.
My second recommendation is to call as many companies as possible, get quotes, and then deal with a broker, you'll find that a broker will beat the best price you were quoted about 9 out of 10 times.

 

T.D. Financial, $39.25 pm - rock bottom everything - hah hah.

 

there is no free lunch with insurance

decide what you want , good rates or good coverage

if you want good rates , get a broker to find the cheapest insurance and bend over if you need to make a claim.

if you want good coverage , go to state farm and take adavantage of every price discount they offer based on your driving record etc.

just my 0.02$, but ya asked

 

all good susgestions, i shall keep them in mind thanxs

 

How old are you? What car?

thewird

 

21, male, no tickets, g liecence (with an M2 aswell but doesnt make a difference i think), driving school a few years ago, owner and primary driver on an 1990 base model or GTU if u wanna call it that altho its not really they just called the base that up here in canada much different from the GTU in the states.

 

oh hahaha i just realized u wernt talkin to me lol yeah sorry for like the online date adverterisment i pretty much just put up with all my info there lol

 

My broker is Fabbro & Douglass in Richmond Hill, and the company I'm insured with right now is Economical Insurance. When I had my first FC, my broker switched me to Wawanesa - check them out, I've heard a lot of people say a lot of great things about them and back then they offered the cheapest rate for me. I switched back to Economical after the FC was taken off the policy.

 

+1

 

my insurance company Won't put on Comp and collision on my FC..Then on top of things they say I'm a Good customer and Want me to Switch to Wanessa,because they are Cheaper!..I don't Want Cheaper Insurance If I am not Covered for anything!..I may as Well **** in the Wind!

 

I wouldn't mind paying $20 /month just for a piece of paper that says I have insurance. I'll never get into an accident where filing a claim is even important and the accidents that I would get into, can be settled outside of the insurance.

thewird

 

Check out Canadian Direct, if they serve Ontario. State Farm used to be good, but they lost me years ago when they repeatedly screwed up my automatic withdrawals, then cancelled my coverage for non-payment without so much as a phone call or letter. I unknowingly drove around without insurance for 2 months, then when I called them, they offered to reinstate me at 3x my old rate - for their f&*%-up(s).

Service is pretty much a thing of the past in the auto insurance industry, so I'm inclined to recommend shopping on price. When claim time comes, competitive pressure and maximizing shareholder value mean they'll all try to lowball your repair and claim anyway.

 

Broker. I'm 22, had a %50 fault accident and 1 speeding ticket on my record when I first called them and they still beat every other price I was quoted by at least $100. I find a broker is alot easier to deal with, mine actually drove to meet me so we could handle the paperwork because I couldn't get away from work long enough. That is service. Also you always talk to the same person, so after a while they know you by name, and they know what your doing with your insurance. I call in April and he automatically knows it's time to put full coverage back on the FB. There's no waiting on hold for someone that doesn't know whats going on, etc. It's a much more personal way to get screwed by the insurance companies, and if I'm gonna take it hard, it might as well be easy.

 

I stayed with Johnson Insurance thinking that I was getting a decent deal, when I realized that the whole $1300 a year per vehicle was getting a bit old and ridiculous. I stumbled upon www.insurancehotline.com and got 3 instant quotes online. The Personal and TD Meloche were very competitive on their group rates and I ended up going with Meloche and saved $1000 a year on all 3 cars. Might be worth a try....

 

You might want to try www.kanetix.ca as well. And then Belair Direct directly online quote.

thewird

 

rite on yeah so far i found bel air to be the cheepest but my neighbour is a broker so im gonna go over there and ask him what he caan do for me too

 

How the heck do you pay that little? Meloche Monex (TD, but cheaper group rate division) is in the $700s for me for the minimum coverage required by law.

 

Where do you sign up for Meloche Monex?

edit - Nevermind google ftw

thewird