"Most Dangerous Car in America"

[edmscan]

^^^^ .. the insurance company usually is interested if you drive your car to work. Then .. they charge you more as statistically you are more likely to get into an accident coming to and from work. They do ask how many miles you drive but you are not required to prove it. And really it doesn't seem to save you much if you drive few km's.

There are lots of questions (and you cannot obviously lie or they will deny you in the event of a claim) .. but really they are not that concerned with the total mileage you drive as you are not required to get your vehicle inspected (we have no annual inspections here) or submit your mileage to a registry. (The DMV as you have in the US is privately run here by "registries" and you are not required to tell them your mileage).

EDIT: .... if your vehicle is over 10 years old, you are required to supply your insurance company with a completed vehicle inspection report, which mainly deals with the safely features of the vehicle.

As far as collision .. from what I know it is not mandatory unless you are financing your car.

I am amazed at how little liability someone like tooter has .. like the MINIMUM here in Alberta is 100,000 and most insurance companies want 1 or 2 million in liability as a minimum.

You do pay either a higher rate if you live in a high crime area (like where I live .. boo). But if you live in a low crime area .. you would pay less as they figure you are less likely to file a claim. You are also really hit hard if you are a male (particularly a young male), females pay much lower rates for insurance.

I did see recently that the average rate for insurance here in Alberta is about 1200$ ... similar to what it is in Ontario, where the rates are slightly higher than here.

[nookandcrannycar]

Originally Posted by edmscan

^^^^ .. the insurance company usually is interested if you drive your car to work. Then .. they charge you more as statistically you are more likely to get into an accident coming to and from work. They do ask how many miles you drive but you are not required to prove it. And really it doesn't seem to save you much if you drive few km's.

There are lots of questions (and you cannot obviously lie or they will deny you in the event of a claim) .. but really they are not that concerned with the total mileage you drive as you are not required to get your vehicle inspected (we have no annual inspections here) or submit your mileage to a registry. (The DMV as you have in the US is privately run here by "registries" and you are not required to tell them your mileage).

EDIT: .... if your vehicle is over 10 years old, you are required to supply your insurance company with a completed vehicle inspection report, which mainly deals with the safely features of the vehicle.

As far as collision .. from what I know it is not mandatory unless you are financing your car.

I am amazed at how little liability someone like tooter has .. like the MINIMUM here in Alberta is 100,000 and most insurance companies want 1 or 2 million in liability as a minimum.

You do pay either a higher rate if you live in a high crime area (like where I live .. boo). But if you live in a low crime area .. you would pay less as they figure you are less likely to file a claim. You are also really hit hard if you are a male (particularly a young male), females pay much lower rates for insurance.

I did see recently that the average rate for insurance here in Alberta is about 1200$ ... similar to what it is in Ontario, where the rates are slightly higher than here.

Interesting. I don't think anyone in the U.S. looks at how much liability insurance someone carries as a moral or have it even if you don't have a pressing need kind of thing. I can only think of two reasons off the top of my head why one would want to carry much more than the minimum liability. One is if you have kids and or a stay at home spouse that you don't want a potential judgement to impede providing for, and the other reason is is you have an asset base that is outside of retirement accounts that you want to protect (outside retirement accounts because assets inside a retirement account are usually protected from judgements).

When I first got the policy I have the 'mileage verification discount' was built into it. Since then, when I've had to provide the mileage verification affidavit, it was (I was informed via letter) to keep the mileage discount. I could have not sent in the affidavit and kept coverage, I just wouldn't have gotten the discount. The insurance company might be fibbing to me that I'm getting a discount by providing it, but my rates are enough lower than any other company that it is plausible.

The vehicle inspection thing where the state keeps a record of the mileage is a state by state thing -- not national. I don't know how many states have it. Texas does. California doesn't. This is actually the ONLY ISSUE I've encountered where TEXAS IS MORE ORWELLIAN THAN CALIFORNIA.

In California, if your car is beyond a certain age/considered a classic I'm pretty sure it is exempt from smog requirements and at some point a 'special' plate can be issued. I think Texas has some sort of similar program, but I don't know how it works.