# auto insurance **URL:** \ **Category:** SON240sx Automotive\ **Created:** [April 27, 2009, 9:13pm UTC](https://forums.speedlife.net/t/auto-insurance/123948 "2009-04-27T21:13:00Z")\ **Posts on this page:** 15\ **Page:** 1
**Author:** ![accelr8](https://avatars.discourse-cdn.com/v4/letter/a/e99b99/32.png) [@accelr8](https://forums.speedlife.net/u/accelr8)\ **Post date:** [April 27, 2009, 9:13pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/1 "2009-04-27T21:13:00Z")
hey guys.couple of qeustins cncerning auto insurance? how can i save more or get a lower quote? i know you save money if you don’t drive to much.i mean suppose i don’t drive the car in winter and put about 30000km a year. can raising my liability save me money? i also know if you have a anti theft device it will save you some money,same with no cllision.do insurance companies offer a zero dollar deductible? can i raise my liability? how can i save more? any one have opinions or reference to a insurer? thanks ---
**Author:** ![Mr\_Phonso](https://avatars.discourse-cdn.com/v4/letter/m/a87d85/32.png) [@Mr\_Phonso](https://forums.speedlife.net/u/Mr_Phonso)\ **Post date:** [April 27, 2009, 9:23pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/2 "2009-04-27T21:23:08Z")
Raising Liability from 500 000 to say 1 000 000 will increase your rate by only about 30 bucks a year… oh yea, you’ll want to increase your deductible as much as you can to get the lowest rate. Never heard of zero dollar deductible… ---
**Author:** ![GTS](https://avatars.discourse-cdn.com/v4/letter/g/82dd89/32.png) [@GTS](https://forums.speedlife.net/u/GTS)\ **Post date:** [April 27, 2009, 9:51pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/3 "2009-04-27T21:51:10Z")
-Yes there are $0 deductible in very rare instances, but it won’t help you in saving on your premium. -Raising liability, as previously mentioned, will not help reduce your premium. Are you using the car for work or leisure? How far will you be driving on a daily/weekly basis? How many other drivers will be using the vehicle under insurance coverage? Who is the primary/secondary driver? How is your driving record? No, I don’t know anything about insurance. ---
**Author:** ![SpHiNxXx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sphinxxx/32/5659_2.png) [@SpHiNxXx](https://forums.speedlife.net/u/SpHiNxXx)\ **Post date:** [April 27, 2009, 9:51pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/4 "2009-04-27T21:51:37Z")
always tell them that you drive LESS than 10,000kms a year!! yes antitheft devices, winter tires, also the area you live in… city=high prices suburbs= lower prices, there are some companies that offer 0 LIABILITY but they charge a bit more… ---
**Author:** ![accelr8](https://avatars.discourse-cdn.com/v4/letter/a/e99b99/32.png) [@accelr8](https://forums.speedlife.net/u/accelr8)\ **Post date:** [April 27, 2009, 10:50pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/5 "2009-04-27T22:50:37Z")
i see.thanks for the input. i only plan on driving 20000-30000 k a year. winter it will be stored. just me and no one else will be driving ---
**Author:** ![Re\_Ameyami](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/re_ameyami/32/5676_2.png) [@Re\_Ameyami](https://forums.speedlife.net/u/Re_Ameyami)\ **Post date:** [April 28, 2009, 12:31am UTC](https://forums.speedlife.net/t/auto-insurance/123948/6 "2009-04-28T00:31:54Z")
How old are you? ---
**Author:** ![accelr8](https://avatars.discourse-cdn.com/v4/letter/a/e99b99/32.png) [@accelr8](https://forums.speedlife.net/u/accelr8)\ **Post date:** [April 28, 2009, 5:11am UTC](https://forums.speedlife.net/t/auto-insurance/123948/7 "2009-04-28T05:11:08Z")
i’m 25. its a long story ok lol. ---
**Author:** ![jed240](https://avatars.discourse-cdn.com/v4/letter/j/a4c791/32.png) [@jed240](https://forums.speedlife.net/u/jed240)\ **Post date:** [April 28, 2009, 8:17am UTC](https://forums.speedlife.net/t/auto-insurance/123948/8 "2009-04-28T08:17:44Z")
u’ll save quite a bit if u choose one-way only, i.e no collision hence deductibles dont apply anti theft doesnt apply either. reduce liablity to 500,000 where possible, dont disclose performance mods etc. instead of giving money to the greedy insurance scums save it for a good paintjob or upgrades when needed. no matter how much u r covered when the time comes they will always try to find a way to not pay. its just a legal requirement ---
**Author:** ![Philly](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/philly/32/5748_2.png) [@Philly](https://forums.speedlife.net/u/Philly)\ **Post date:** [April 28, 2009, 9:19am UTC](https://forums.speedlife.net/t/auto-insurance/123948/9 "2009-04-28T09:19:18Z")
www.kanetix.ca ---
**Author:** ![chineybutu](https://avatars.discourse-cdn.com/v4/letter/c/e47774/32.png) [@chineybutu](https://forums.speedlife.net/u/chineybutu)\ **Post date:** [April 28, 2009, 9:53am UTC](https://forums.speedlife.net/t/auto-insurance/123948/10 "2009-04-28T09:53:28Z")
Try this insurance broker from state farm I just got motorcycle and car insurance from her, Price was Right! State Farm Agent Michele Halsall Street Address: 235 Salem Road S Unit 4 Ajax, ON L1Z0B1 Phone: (905) 619-2444 Fax: (905) 619-1450 www.michelehalsall.ca Tell her darryl sent you and she will give you a good qutoe (hopefully) ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [April 28, 2009, 6:31pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/11 "2009-04-28T18:31:10Z")
if you’re high risk most mainstream insurers don’t want your business, which is why they overquote you. Kingsway specialises in hihg-risk drivers, most brokers will direct you there. There are a couple others that do high risk too, but its always more expensive. ---
**Author:** ![HayMakr](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/haymakr/32/5738_2.png) [@HayMakr](https://forums.speedlife.net/u/HayMakr)\ **Post date:** [April 28, 2009, 6:48pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/12 "2009-04-28T18:48:32Z")
what makes someone “high risk”? ---
**Author:** ![jugahdor](https://avatars.discourse-cdn.com/v4/letter/j/67e7ee/32.png) [@jugahdor](https://forums.speedlife.net/u/jugahdor)\ **Post date:** [April 28, 2009, 8:21pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/13 "2009-04-28T20:21:20Z")
> [@Got bored today... so went BMW shopping](https://forums.speedlife.net/t/got-bored-today-so-went-bmw-shopping/21755/3): > > what makes someone “high risk”? accidents and tickets and if you some of my friends stupidity LMAO ---
**Author:** ![Philly](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/philly/32/5748_2.png) [@Philly](https://forums.speedlife.net/u/Philly)\ **Post date:** [April 29, 2009, 4:07am UTC](https://forums.speedlife.net/t/auto-insurance/123948/14 "2009-04-29T04:07:57Z")
> [@Got bored today... so went BMW shopping](https://forums.speedlife.net/t/got-bored-today-so-went-bmw-shopping/21755/3): > > what makes someone “high risk”? I know regular insurance companies won’t insure you if you have over two tickets. 3 or more tickets you are usually high risk. ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [April 29, 2009, 5:59pm UTC](https://forums.speedlife.net/t/auto-insurance/123948/15 "2009-04-29T17:59:16Z")
risk categories are broken up by more than just # of tickets… demographics, geography, vehicle type, total book (house, car, life, etc.) all impact it. if you are 18, little to no driving experience, a couple tickets and a Yamaha R1… 99% of people wont touch you…lol similarly, if you are 25+, only one ticket, one accident etc. you will be dropped from most insurers who insure low risk people… the industry is chasing the boomers… lots of premium service insurance products where they want your house, cottage, all your cars, boats, children, etc… most of us are high risk and little to no chance of us putting a book like that together anytime soon.