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05-18-2015, 07:12 PM | #19 |
Minimalist
Drives: 07 silver sedan Join Date: Jun 2014
Location: Mississauga, GTA, Toronto, ON
Posts: 432
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Greater Toronto Area thing, I assure you. Move to Brampton and it'll go up even a few hundred more. Sedan is cheaper because it has **statistically** had less things happen to it.
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05-18-2015, 08:24 PM | #20 |
Drives: 2017 Yaris L (5sp manual) Join Date: Jun 2012
Location: upper midwest
Posts: 345
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I have a 2012 Yaris and pay about $45/month for full coverage in Minnesota. $500 deductible, if I recall. Includes rental car reimbursement, glass repair, and roadside assistance. Clean record.
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05-18-2015, 08:24 PM | #21 |
I moved from Toronto to Collingwood and my insurance dropped by almost half ...just over a 100$ per month full coverage i pay now .
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05-18-2015, 09:53 PM | #22 |
Drives: 2011 Yaris RS 5 door 5 spd Join Date: Aug 2012
Location: Toronto, Canada
Posts: 449
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That's crazy. I was born and raised in the city of Toronto and nothing here is cheap, for as long as I can remember we have been getting raped on everything. From car insurance to the housing market, everything costs an arm and a leg.
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05-18-2015, 11:30 PM | #23 |
Minimalist
Drives: 07 silver sedan Join Date: Jun 2014
Location: Mississauga, GTA, Toronto, ON
Posts: 432
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Notice how insurance for your house, combined with car insurance from the same company, costs less than the car insurance alone.
htf does that work? |
05-19-2015, 12:02 AM | #24 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I've driven in Vancouver, Calgary, Edmonton, Regina, Saskatoon, Winnipeg, Ottawa, Toronto, Montreal, Quebec City, Halifax, St. John's, etc. GTA is obviously the largest area...so likely has the highest count of unskilled drivers and crazy drivers, but it also seems (purely anecdotal on my part) to also have the most relative to the size of the population. It doesn't surprise me that so many are gouged there re insurance rates. Everyone is subsidizing the crazy and the clueless . Any chance Canada will move away from no-fault car insurance ?
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05-19-2015, 12:10 AM | #25 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I've never asked an actuary about it, but I'd assume that (statistically) homeowners get in fewer accidents than non homeowners (also goes down if you get married, as another post stated). Plus, they want to give you an incentive to give them more of your business.
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