Cheap Car, Cheap Insurance?
Nov 15th 2007, 4:41 am
#16
Pictou County Superstar™
Joined: Sep 2007
Location: On top of the Green hill, NS
Posts: 4,219
Re: Cheap Car, Cheap Insurance?
My experience was that brokers seemed to fall into two categories, those who seemed honest and knew what they were talking about (when it came to converting foreign driving history) or those who either had no idea or were not completely honest.
Generally, that second category of brokers told me that they "would not accept my British driving record". For all the others, I was told "the best we can do is convert it into a 3 stars" (I had 9 years NCD).
I only needed to provide them with number of years I'd held my British license, proof I'd gained my NS license and proof of NCD.
I don't know about other provinces but, here in NS the best rating is 6 stars. Obviously you earn a star for each claim-free year. I'd guess that each star gives somewhere between $100-$200 discount off the full policy cost.
Generally, that second category of brokers told me that they "would not accept my British driving record". For all the others, I was told "the best we can do is convert it into a 3 stars" (I had 9 years NCD).
I only needed to provide them with number of years I'd held my British license, proof I'd gained my NS license and proof of NCD.
I don't know about other provinces but, here in NS the best rating is 6 stars. Obviously you earn a star for each claim-free year. I'd guess that each star gives somewhere between $100-$200 discount off the full policy cost.
Insurance history is definately one of the big factors, but I'm in the every little helps camp and the more you can give your insurance broker the better they will be able to negotiate the price for you. Saving that $50 might not feel like much when your insurance is sky high anyway but it's still a few beers 
Nov 15th 2007, 5:05 am
#17
Joined: Oct 2004
Posts: 7,715
Re: Cheap Car, Cheap Insurance?
Hi Everyone,
Can anybody suggest a good family car?
I will be landing on Vancouver Island next March and I will need a family size car, but I am not sure about which car, and also I don't want to get caught out insurance-wise as I have heard it is quite expensive.
Any help much appreciated!
Can anybody suggest a good family car?
I will be landing on Vancouver Island next March and I will need a family size car, but I am not sure about which car, and also I don't want to get caught out insurance-wise as I have heard it is quite expensive.
Any help much appreciated!
For basic coverage in BC (from ICBC), what you drive, doesn't affect the premium charged.
For optional insurance, it does. At one time the lower mainland was the car theft capital of the English speaking world (or something) and ICBC has tracked the 'the most wanted' list for years. Here's last years list: http://www.icbc.com/crime-fraud/pdf/PI213M.pdf If you purchase a make and model that is a popular target for theft, expect to pay more. How much exactly, I don't know and I seriously doubt it's as significant as your claims history, but I thought I'd mention it anyway.
Nov 15th 2007, 5:12 am
#18
Moderαtor Emeritus
Joined: Sep 2003
Location: Upstate South Carolina
Posts: 30,771
Re: Cheap Car, Cheap Insurance?
Dodge Caravan top of the list!!!...are you all smoking dope out there or someth....
...never mind
...never mind
