Bummer!
 

Have bought a new car (well 2003) so called the insurance and it will be 50% more because it is a newer car and a popular model so the premiums are higher :(
Should have just hung onto to the old one!

Re: Bummer!
 

Is it a nice car though?

Re: Bummer!
 

I know what you mean, insurance seems strange over here. I checked how much it would be for a new Camry and Celica. Then looked at an 1989 Mercedes 560SL sports car which is worth the same as a new Camry and found the 560SL would save me $500/year on insurance. Guess which one I bought !! Ok I admit I always wanted the SL anyway......

Re: Bummer!
 

You might want to ask the insurance company how much they will pay if you write it off.

That could be were the $500 difference comes in.

Re: Bummer!
 

Insurance pay-offs are always a difficult thing. The car is appraised at the insured value si there should not be a problem

Re: Bummer!
 

Hi - new to this forum - desparately trying to read through the many threads on here - great info and chat everyone !!

What would you say is an average car insurance premium ? I know that's a bit like 'how long is the proverbial piece of string? '.

So, for example - insurance for an average, couple-of-years-old, saloon ? I've heard quotes from about $750 up to $2000 a year - that's a big difference - I would pay about £280-300 in the UK for being a boring, no recent crashes, kind of person.

Someone has mentioned newer cars are alot more ? Is that 'newer' or 'brand new' ? (Like the UK presumably, and we have never been able to afford a brand new car here ! )

We are looking at Alberta - Calgary ish.

Got loads of other questions - but will try and pick up on other related threads if I can .

Re: Bummer!
 

We moved to Calgary in 1997. Purcased a Ford Escort Estate GL. We had 13 years driving experience in the UK without a claim. The first year we paid $3600. Year 2 $2200. Year 3 $1800. Moved to rural Ontario and was paying $1200 after 5 years in Canada.

An engineer (49 year old) I worked with who moved Ottawa who said his car insurance for his 4 year old Nissian Sentra jumped to $5400 from $1000 when he moved to the city.

We recently moved back to rural England and have similar cars(Ford Mondeo & VW TDI) as we had in Canada. Were were paying $2200 now we pay £370 for 2 cars.(we live in the sticks in Oxfordshire)

Expect to pay double for your car insurance in Canada. For the first few years you most likely be treated as a new driver. Whatever a 17/18 year old pays in the UK do not be suprised to pay those size of premiums.

I hope this helps you.

hudd

Re: Bummer!
 

sorry, my mistake...... thought it was another thread about butch

Re: Bummer!
 

I had a colleague (38 years old) who moved to Ontario 2 years ago from Cumbria. He purchased a $20k Ford Windstar(People carrier) he told me he paid $3300 for insurance.

Re: Bummer!
 

Thank you for your replies.

Blimey !! Scary sums of money !! But not much choice by the sounds of it ?!

Re: Bummer!
 

With Car insurance and other insurance...it is almost dependant on what broker you use (As I have just found out)....We have two New SUV's and pay approx $1000 a year fully comp with myself, better half and eldest on the policy.

For most Brits, ING seem to be the best company to go with...it's just a matter of shopping around with the different brokers.

Re: Bummer!
 

Is it safe to assume that those of us still in the dreaded under 21's category will pay twice what they pay in the UK? or are the figures you're talking about (being bumped down to essentially, a new driver) as bad as it gets?

Re: Bummer!
 

I not sure if Canada has the online quotes you can get in the UK. Thats how we found the best deals when we moved back to England last year.

If they do in Canada, you could always do a dummy quote for a car in the location you want to move too. That may help you, especially as you said being under 21.

I am sure that on TV in Ontario that there was a programme about car insurance costs being so high. I believe they were talking about Newfoundlands and an under 21 was paying silly money like $8000/yr. Also the programme said 1 in 5 drivers were not insured in some areas.

Re: Bummer!
 

From my experience and a few Brits who moved to Canada we did not get fully no claims allowance. Like I said in my last post it took us 5 years to get back to what someone are age was paying. Try ING as another post said, you may get a better deal.

I was told I had no Canadain driving experience even though I had 13 years in the UK thats why I had to pay $3600 in the first year and it did drop to $2200 after a year.

Re: Bummer!
 

Some insurance stats -Canada, Ontario

My wife & I were profile 3

I was right paying $8,448 for 21 year old in a cheap car like a Cavalier?

Profile 2:

Age 21, licensed 5 years, currently class G, without drivers training. No chargeable accident within the last 5 years. 3 minor convictions in the last 3 years. Drive to work 5 km one-way, annual mileage under 12,000 km. Continuously insured for the last 6 years. Driving a 1989 Chevrolet Cavalier 4 door
Year City Postal Code Low High Difference
1995 Brockville K6V 7A5 $1,205 $2,652 $1,447
2005 Brockville K6V 7A5 $2,274 $4,315 $2,041
1995 Hamilton L8P 4Y5 $1,580 $3,743 $2,163
2005 Hamilton L8P 4Y5 $3,023 $6,581 $3,558
1995 London N6A 4L9 $1,327 $2,738 $1,411
2005 London N6A 4L9 $2,544 $5,050 $2,506
1995 North Bay P1B 8H8 $1,530 $3,313 $1,783
2005 North Bay P1B 8H8 $2,403 $5,181 $2,778
1995 Ottawa K1P 1J1 $1,243 $2,797 $1,554
2005 Ottawa K1P 1J1 $1,769 $4,158 $2,389
1995 Thunder Bay P7C 5K4 $1,530 $3,313 $1,783
2005 Thunder Bay P7C 5K4 $2,478 $5,181 $2,703
1995 Toronto M5C 2C5 $1,834 $4,128 $2,294

2005 Toronto M5C 2C5 $3,378 $8,448 $5,070

Profile 3: Married Couple
Husband: Age 40, licensed 24 years, Class G license. No chargeable accidents or convictions in the last 5 years. Drive to work 10 km one-way, annual mileage under 16,000 km. Continuously insured for the last 6 years. Driving a 1995 Grand Cherokee Limited 4WD

Year City Postal Code Low High Difference
1995 Brockville K6V 7A5 $1,581 $2,339 $758
2005 Brockville K6V 7A5 $1,697 $5,368 $3,671
1995 Hamilton L8P 4Y5 $2,015 $3,529 $1,514
2005 Hamilton L8P 4Y5 $2,600 $7,161 $4,561
1995 London N6A 4L9 $1,778 $2,506 $728
2005 London N6A 4L9 $2,066 $6,713 $4,647
1995 North Bay P1B 8H8 $1,901 $2,905 $1,004
2005 North Bay P1B 8H8 $2,024 $5,343 $3,319
1995 Ottawa K1P 1J1 $1,681 $2,655 $974
2005 Ottawa K1P 1J1 $1,915 $5,170 $3,255
1995 Thunder Bay P7C 5K4 $1,748 $2,905 $1,157
2005 Thunder Bay P7C 5K4 $2,032 $5,343 $3,311
1995 Toronto M5C 2C5 $2,373 $3,733 $1,360
2005 Toronto M5C 2C5 $3,114 $8,860 $5,746

Profile 4: Single Parent and Son
Year City Postal Code Low High Difference
1995 Brockville K6V 7A5 $699 $1,306 $607
2005 Brockville K6V 7A5 $1,187 $2,530 $1,343
1995 Hamilton L8P 4Y5 $1,206 $1,899 $693
2005 Hamilton L8P 4Y5 $2,020 $4,275 $2,255
1995 London N6A 4L9 $857 $1,446 $589
2005 London N6A 4L9 $1,548 $3,745 $2,197
1995 North Bay P1B 8H8 $886 $1,517 $631
2005 North Bay P1B 8H8 $1,533 $3,034 $1,501
1995 Ottawa K1P 1J1 $822 $1,372 $550
2005 Ottawa K1P 1J1 $1,404 $2,793 $1,389
1995 Thunder Bay P7C 5K4 $780 $1,517 $737
2005 Thunder Bay P7C 5K4 $1,571 $3,034 $1,463
1995 Toronto M5C 2C5 $1,312 $2,239 $927
2005 Toronto M5C 2C5 $2,312 $5,632 $3,320

Profile 5: Married Couple with Son and Daughter
Year City Postal Code Low High Difference
1995 Brockville K6V 7A5 $1,876 $3,222 $1,346
2005 Brockville K6V 7A5 $2,461 $7,093 $4,632
1995 Hamilton L8P 4Y5 $2,634 $4,625 $1,991
2005 Hamilton L8P 4Y5 $3,307 $8,076 $4,769
1995 London N6A 4L9 $2,132 $3,521 $1,389
2005 London N6A 4L9 $2,956 $7,600 $4,644
1995 North Bay P1B 8H8 $2,430 $3,836 $1,406
2005 North Bay P1B 8H8 $2,784 $7,612 $4,828
1995 Ottawa K1P 1J1 $2,030 $3,370 $1,340
2005 Ottawa K1P 1J1 $2,687 $7,318 $4,631
1995 Thunder Bay P7C 5K4 $2,430 $3,836 $1,406
2005 Thunder Bay P7C 5K4 $2,793 $7,318 $4,525
1995 Toronto M5C 2C5 $3,204 $5,679 $2,475
2005 Toronto M5C 2C5 $3,397 $7,612 $4,215