British Columbia Car Insurance Companies

[joeylgarcia]

i am almost furious this morning when my wife told me that since May 2008 we have been paying CDN$160 per month for 12 months. when May 2009 comes we would have paid the insurance company a total of CDN$1920. i just cannot imagine how expensive that is.

to all those british columbia 09 corolla owners, how much are you paying each month and who is your insurance company.

ours is the full coverage plan including theft/loss of car.

thanks in advance for any inputs you can share on this thread.

[lilaznviper]

depending on the % u have

i have my car insured under my parent so i only have to pay 1.7k a year with everything + roadstar + 3rd party driver

[joeylgarcia]

Originally Posted by lilaznviper

depending on the % u have

i have my car insured under my parent so i only have to pay 1.7k a year with everything + roadstar + 3rd party driver

40%

[rolla-XRS]

Amazing how you think that's a rip. That's the going rate for most of Canada with clean driving record.
I thought BC was government-sponsored rates....so you're also paying in your taxes?

[ZenithTheTV]

same as viper over there. I also want to add I hate ICBC, its a monopoly and its robbery. That's all Im going to say. If you work for ICBC you need to drink a quart of motor oil and chase it with a match. Thanks.

[joeylgarcia]

Originally Posted by rolla-XRS

Amazing how you think that's a rip. That's the going rate for most of Canada with clean driving record.
I thought BC was government-sponsored rates....so you're also paying in your taxes?

yes we are also paying tax.

[steelman23]

insurance in stupid to begin with. but 160 for a 2009 vehicle isnt bad at all. i'm 23, single, living in st. catharines, driving about 1800km a month and i pay 185 a month. and i think that's pretty sweet deal compared to the other companies like TD/RBC/State Farm i would have been paying well over $235 a month. my sister lives in the greater toronto area (brampton) and pays around 210$ and she's 27 and drives a 2008 mazda3.

$185/month 500/1000 deductibles, with one free at fault accident with ING insurance.

mind you..this is all in ontario.

[hungt1999]

I am paying about $600 per year for my 2009 Corolla with the following coverage

- full replacement value for 4 years
- $2 million for liability
- theft, vandalism
- $500 deductible if I am responsible and $0 if I am not responsible for an accident
- windshield replacement deductible $100
- I am the main driver and my wife as the second driver

I am in Montreal and insured with La Capitale Assurances Générales

I heard that in Quebec, car insurance is much less expensive than anywhere else in Canada. Is that true?

[joeylgarcia]

Originally Posted by hungt1999

I am paying about $600 per year for my 2009 Corolla with the following coverage

- full replacement value for 4 years
- $2 million for liability
- theft, vandalism
- $500 deductible if I am responsible and $0 if I am not responsible for an accident
- windshield replacement deductible $100
- I am the main driver and my wife as the second driver

I am in Montreal and insured with La Capitale Assurances Générales

I heard that in Quebec, car insurance is much less expensive than anywhere else in Canada. Is that true?

this is what im talking about. imagine $600 only for 1 year coverage. i really have this feeling we are being ripped off here in British Columbia.

[Super Blue]

Originally Posted by joeylgarcia

this is what im talking about. imagine $600 only for 1 year coverage. i really have this feeling we are being ripped off here in British Columbia.

Could be worse, you could be in Ontario. It's even more expensive.

[ur_mom]

well nothing is going to change, even if we keep bitching about the ICBC insurance rates..

[Timbits93]

Wow, never knew 09 Corollas were so expensive to insure with ICBC.

Its also odd in how they charge the rates because our relatives have an 00 Sienna, we have a 02 Sienna. And the difference in insurance rates is $100-200. And we're paying less despite that they have a base and we have a loaded model and that their vehicle is older [same discount rate].

And agreed with the others, ICBC is robbery...

[kniterider09]

i am paying 171/month here in alberta for my 09 xrs. i am 23 and with TD. i have complete coverage along with that 5 year vehicle replacement cost program. funny thing is i enquired about my insurance on a 2008 WRX STI and guess what....its only $10 more than my 09 corolla per month (181/month). i just dont understand how that works . anyway, rates are higher in alberta compared to BC. hungT1999 you are lucky paying only 600/month...only wish that could happen here as well... .

[Tideland Prius]

Originally Posted by joeylgarcia

this is what im talking about. imagine $600 only for 1 year coverage. i really have this feeling we are being ripped off here in British Columbia.

Depends on how old you are, distance to work and the type of commute. In Ontario, if you have to go in/out of the city of Toronto, you're gonna pay more (b/c of heavier traffic). Everywhere across Canada, if you're 16-24, you pay nearly 2x.

[joeylgarcia]

Originally Posted by Tideland Prius

Depends on how old you are, distance to work and the type of commute. In Ontario, if you have to go in/out of the city of Toronto, you're gonna pay more (b/c of heavier traffic). Everywhere across Canada, if you're 16-24, you pay nearly 2x.

my wife and i are in our mid 40s and both driving for 25 yrs plus without any driving violation record. my wife takes the car to work 3 times a week for a total of 88kms. we take the car to church on sundays, supermarket, library and other nearby places. the car will be 1 year old on May 8th with a little over 9,000kms.

we are twice as old than kniterider09 who is 23 yrs old. he pays $171 and we pay $161. my wife has 40% discount. i dont really get it. what gives?