Car insurance...is it that high?
Jul 1st 2004, 4:35 am
#1
jingling
Thread Starter
Joined: Sep 2002
Posts: 18,123
Car insurance...is it that high?
I've heard car insurance in Canada is really high. Is this true?
I think it's high enough here in Virginia, where it's more some $130 for my 5 year old Ford...is it more expensive in Canada? Just curious since we might move there some years off
Juliet
I think it's high enough here in Virginia, where it's more some $130 for my 5 year old Ford...is it more expensive in Canada? Just curious since we might move there some years off
Juliet
Jul 1st 2004, 4:38 am
#2
#include
Joined: Jun 2004
Location: Calgary since 2001.
Posts: 274
In short yes. However, if you're married to a Canadian it's a little easier.
For me alone (A 26 year old driving in UK since I was 17) - insurance in Calgary on any car is over $4,000 per year. However, if my Canadian wife is the primary driver on the policy, the total annual premium for both of us with full cover is 'only' $1,200 per year.
Added: Try a quote for yourself on www.kanetix.com - you'll need to fake a postcode from wherever you want to live.
For me alone (A 26 year old driving in UK since I was 17) - insurance in Calgary on any car is over $4,000 per year. However, if my Canadian wife is the primary driver on the policy, the total annual premium for both of us with full cover is 'only' $1,200 per year.
Added: Try a quote for yourself on www.kanetix.com - you'll need to fake a postcode from wherever you want to live.
Last edited by simonhouse; Jul 1st 2004 at 4:40 am.
Jul 1st 2004, 5:41 am
#3
jingling
Thread Starter
Joined: Sep 2002
Posts: 18,123
Originally posted by simonhouse
In short yes. However, if you're married to a Canadian it's a little easier.
For me alone (A 26 year old driving in UK since I was 17) - insurance in Calgary on any car is over $4,000 per year. However, if my Canadian wife is the primary driver on the policy, the total annual premium for both of us with full cover is 'only' $1,200 per year.
Added: Try a quote for yourself on www.kanetix.com - you'll need to fake a postcode from wherever you want to live.
In short yes. However, if you're married to a Canadian it's a little easier.
For me alone (A 26 year old driving in UK since I was 17) - insurance in Calgary on any car is over $4,000 per year. However, if my Canadian wife is the primary driver on the policy, the total annual premium for both of us with full cover is 'only' $1,200 per year.
Added: Try a quote for yourself on www.kanetix.com - you'll need to fake a postcode from wherever you want to live.
:scared:
More than $4000 a year? I guess we would be listing my hubbie as the primary driver then LOL. Thanks for the link-I will check it out
Juliet
Jul 1st 2004, 9:18 am
#4
Valley of the Sun
Joined: Sep 2003
Location: Phoenix
Posts: 628
Re: Car insurance...is it that high?
and.. in some cases it depends on the car.. I was driving an 89 dodge for yrs.. every year it went down.. till I was paying about 700 yr... which is great.
bought a new car and it was 1500 yr. not happy
bought a new car and it was 1500 yr. not happy
Jul 1st 2004, 2:21 pm
#5
Guest
Posts: n/a
Recently they started ignoring your UK no claims here OUCH!!!!
And there's no such thing as protected no claims in Alberta .....
And there's no such thing as protected no claims in Alberta .....
Jul 1st 2004, 3:15 pm
#6
Forum Regular
Joined: Jun 2004
Posts: 56
Not only is it high - make a claim and the insurance company may dump you!
Last edited by Dr. Who; Jul 2nd 2004 at 5:17 pm.
Jul 1st 2004, 3:19 pm
#7
BE Forum Addict
Joined: Apr 2003
Posts: 3,015
We have government insurance here in Saskatchewan. I don't think its as high as other places. I pay about $1,000 a year for my 2002 Hyundai Elantra. It depends on the make and year of the car. You can pay monthly which makes it easier to budget for.
Jul 1st 2004, 4:26 pm
#8
Just Joined
Joined: May 2004
Location: Canada
Posts: 28
Liz is right. One thing great about Saskatchewan is the cheap insurance. In the U.S. I was paying close to 1800 per year. Here I pay just under a 1000 for the year. You can't beat 78 bucks per month. Although job opportunities are few and far between here in Regina.
Jul 1st 2004, 7:51 pm
#9
BE Enthusiast
Joined: Mar 2004
Location: Kelowna, BC
Posts: 903
BC, SK & MB are all public insurance companies (provincial government crown corporations) and the rates are lower than provinces with private insurance companies providing coverage.
In the last 2 years, many provinces serviced by private companies saw some pretty wild increases in policies (some 35+%). Whereas, BC, for instance saw only 7%.
Any way you look at it though, it's expensive. Just remember to look at what your insurance covers... don't let just the cost determine your decision. Some carriers, for instance, won't cover Hit and Runs... so in the long run... not worth that $60. saving!!
(Oggy)
In the last 2 years, many provinces serviced by private companies saw some pretty wild increases in policies (some 35+%). Whereas, BC, for instance saw only 7%.
Any way you look at it though, it's expensive. Just remember to look at what your insurance covers... don't let just the cost determine your decision. Some carriers, for instance, won't cover Hit and Runs... so in the long run... not worth that $60. saving!!
(Oggy)
Jul 1st 2004, 9:03 pm
#10
Invisi... K
Joined: Jun 2004
Location: Montreal, Canada (from London, UK)
Posts: 3,760
Question: Would a Canadian driving license lower my car insurance by alot. At present i have a UK license for about 7 years now, guessing from the other posts my insurance on this is gonna be high!
How about Canadian driving test? just a one off test or theory etc... like in UK?
How about Canadian driving test? just a one off test or theory etc... like in UK?
Jul 2nd 2004, 12:46 am
#11
Guest
Posts: n/a
You're only legally allowed to hold one driving licence in Alberta, so technically you would have to surrender your UK licence when you write the theory exam.
You also can't buy a car in Alberta without holding a local licence.
I guess it depends where you are headed, but you might not get much choice.
You also can't buy a car in Alberta without holding a local licence.
I guess it depends where you are headed, but you might not get much choice.
Jul 2nd 2004, 1:28 am
#12
Invisi... K
Joined: Jun 2004
Location: Montreal, Canada (from London, UK)
Posts: 3,760
I"m planning to go to Montreal... so does this one license thing apply there in quebec? is the local license necessary for a car purchase?
Jul 2nd 2004, 2:13 am
#13
Part Time Poster
Joined: Jan 2004
Location: Worcestershire
Posts: 4,219
Technically you can buy a car on a UK license in Canada… however its all gets a little complicated…
The major hurdle is you can only get plates with a Canadian licence, Without plates you can’t drive the car..
You will also find it very difficult to get insurance on a foreign license as well.
The simple answer is to go get that license as fast as possible… the test is not hard and if you pick a quite day, and try for cancellations its possible to do the written test and the driving test and walk out with a G2 in a day…
The major hurdle is you can only get plates with a Canadian licence, Without plates you can’t drive the car..
You will also find it very difficult to get insurance on a foreign license as well.
The simple answer is to go get that license as fast as possible… the test is not hard and if you pick a quite day, and try for cancellations its possible to do the written test and the driving test and walk out with a G2 in a day…
Jul 2nd 2004, 2:16 am
#14
Invisi... K
Joined: Jun 2004
Location: Montreal, Canada (from London, UK)
Posts: 3,760
Thanks for that... off to google to see a man about a license...
Jul 2nd 2004, 2:25 am
#15
jingling
Thread Starter
Joined: Sep 2002
Posts: 18,123
Originally posted by Dr. Who
Not only is it high - make a claim and the insurance company may dump you! Often they also refuse your claims even when they are supposed to pay - there was recently a TV documentary on them.
Not only is it high - make a claim and the insurance company may dump you! Often they also refuse your claims even when they are supposed to pay - there was recently a TV documentary on them.
Anyone know what insurance companies in Alberta are like? I went to the web site to get a quote..answered all the questions and after all that it said it could not get a quote for me LOL.
