Insurance Thoughts - Poll.

SON240sx Automotive
1

It kills me how stupid some of my buddys are.
I’ve never had a day without insurance, and thats how i roll.
I get pulled over at least once a month and if anything happens to my car i dont want to be at fault, for myself or other drivers on the road.

My one friend boggles me…
A neighbour of mine with a EG hatch w/LS Vtec Turbo, had never paid insurance a day in his life. He drives like an idiot all the time.
And of course, he drives like a madman 24/7, now you may laugh, but seriously this dude ALWAYS drives around pulling stupid manoveurs(sp?) for nothing. Sure enough, i called that he was gonna fuck up one day, not dissing him i said it could even be another person on the road to cut him off and fuck up his 200km/h+ highway fun.

Sure enough, he smashed. Big time, and i actually drove by the accident on the opposite side of the 403 when it happened…I couldnt believe my eyes. 5 cars involved. his rolled like 20 times, COMPLETELY smashed.

The dude gets out with a scratch. no seatbelt, and his bucket seat WAS NOT even bolted to the floor. Now you can see what kind of guy he is.

So my close friend and I were very stumbled by it, he lost is licence for 10 years. and he owes $27,000 to pay for the other cars damages.
At this point my buddy went out and bought a 2003 mitsubishi.
Bought it, drove it home without insurance and me on his tail.
He had said he’d get insurance, and 7 months later he still has no insurance.

I dont understand the mentality. He saw what happened to the neighbour. and now he claims he cant afford insurance, bullshit, i told him to sell the car and buy something worth less so he could afford it.

what do you guys think???

if you dont want to admit to having insurance, dont post, but at least make a vote as im curious too see what kinda percentages are w/o insurance…

id say 20-25%…

also state what you pay etc. or what you’ve been quoted if you dont pay

19 yrs old
The Personal insurance.
G licence, driving school
$242/month.

$2 million liability, no collision.

2

Sounds like someone’s jealous of his buddy’s Mitsu.

Primary driver
Kingsway financial
G license, driving’s cool.
$350/mth. driving too close, and i had a crash 3 years ago this month.

3

bout the same as marc.

Full G,

accident lastyear on my g2, 2 points from it. 15 over from 3 years ago,

400/month on the cefiro.

4

Hah, I actually hate it. its a true POS.
03 eclipse, base model, 4cyl. slow. crap

has lowering springs on it and its still at least a 4 finger gap

pathetic. im just saying it because if he crashes that car, hes out alotta money. and possibly fucked for driving licence, he works at the airport and needs his licence to work there.

do you not agree hes an idiot?

5

ontario insurance is a huge crock of shit.

your neighbour can get out of that $27,000 with ease, or he could just move out of the country.

file for bankruptcy and thats all there is.

if he lost his license then there is no reason for him not to drive without one now. it isnt like they cna take it away from him again…

worst case scenerio is that he spends a night or two in jail once or twice a year when he gets caught. hell, repeat DUI offenders get off lighter than that.

i have abuddy living in montreal paying $280 PER YEAR on his 91+ coupe

i pay 7 times that with a clean record in st. catharines…

insurance companies dont deserve your money

people’s suffering as a result of people who cant afford insurance is a by-product of a corrupt system.

it doesnt matter if i would be upset that someone hit me without insurance, that isnt the point.

the point is that insuranace companies in this province could cut rates my 80% and still earn 100% profit margins.

so who’s the crook and who’s the victim?

teh only victims are the people who get hit by people without insurance.

your neighbour will save more than $27,000 in insurance and drivers license related fees over the next 10 years by not having a license or insruance. he also wont have to bother e-testing or certifying cars either.

i personally know people who have saved more than $10,000 in insurance alone just by keeping their car registered out of province.

6

i think the only times ive driven without insurance is to take the cars to get certed and e tested… but i make a morning of it get it all done then go to the insurance company and get everything transfered…

nice thing is that all 4 places i have to go are within 5 mins of my house…

but no… its dumb to drive with no insurance for an extended period of time.

GT

7

Hah, I actually hate it. its a true POS.
03 eclipse, base model, 4cyl. slow. crap

has lowering springs on it and its still at least a 4 finger gap

pathetic. im just saying it because if he crashes that car, hes out alotta money. and possibly boinked for driving licence, he works at the airport and needs his licence to work there.
[/quote]

New mitsu’s are shyte. Wheel gap to the max.

And i thought he lost his license for 10 years.

8

we should do something about the system rather than sit back and take it like chumps. if we had pussies our insurance would be like 75% less a month, ohhhhhh thats fair.

you know what?!? If i have to pay high rates because society says im supposed to be a dangerous driver, then F**K THEM I’ll drive like they say I should! I’ll speed, I’ll street drift, I’ll race, I’ll cut people off, and I’ll drive an emissions illegal car.

how’s that for ya, society!

FIGHT THE POWER!

9

noooooo… if we had pussies, the insurance companies would be like dicks, if you know what i mean. :naughty:

10

Hah, I actually hate it. its a true POS.
03 eclipse, base model, 4cyl. slow. crap

has lowering springs on it and its still at least a 4 finger gap

pathetic. im just saying it because if he crashes that car, hes out alotta money. and possibly boinked for driving licence, he works at the airport and needs his licence to work there.
[/quote]

New mitsu’s are shyte. Wheel gap to the max.

And i thought he lost his license for 10 years.[/quote]

Different friend.

I’m about the same as Marc too now.

Accident, points, etc.

11

Hows this home boy get plates,stickers,etc. cause last time I checked you needed insurance at the DMV for almost anything. And there is no way a dealership would let him leave with a car that wasnt insured, after all they take car of all the paperwork right?

Please dont tell me he is forging it cause that is some serious trouble.

12

Ive got my G… will be 23 in Dec and have told my broker that the 240 is turbo charged (which many dont claim).

I have on my record now… an at fault, ticket for 15 over, ticket for 25 over and a failure to stop.

Car as already been pulled off the road for the winter but I was paying $346.58 a month… for fire/theif and 2 million dollar liability, no collision.

13

im 23
had a full G for 7 years on top of an additional 2 years with a learners

i pay $879/year, not a month on the s14
no accidents
on ticket 3 years ago for 10km over

14

23-7-2 = 14.

Something doesnt add up. Have to have your G1 for 8 months minimum. G2 for a year minimum.

Were you in another country where they let you drive at 14 or something?

Anyways, I pay $180/mo. for liability fire and theft. I’m 22 and have a clean record (what they don’t know cant hurt them).

15

23-7-2 = 14.

Something doesnt add up. Have to have your G1 for 8 months minimum. G2 for a year minimum.

Were you in another country where they let you drive at 14 or something?

Anyways, I pay $180/mo. for liability fire and theft. I’m 22 and have a clean record (what they don’t know cant hurt them).[/quote]

Different province… and some scam related to living in that province still maybe.

A friend of mine from Alberta has paid under $700 a year for a while now although he has been living in Ontario for a few years… I think you have 3 months to change your plates, he never has though.

16

$880 a year?? Haha what company Derek?

I turn 22 in feb. I have had my G for nearly 4 years (december will make 4). Zero accidents. Zero tickets.

I am paying 3000 a year right now but am on hold to switch companies which will drop my rate to ~1600 when the car goes back on in spring. Liability only.

17

i’m 20, Full G, one collision, at fault.

497/mth, liability, no fire/theft.

i never drove without insurance, but damn it’s tempting.

18

never had my 240 DRIVABLE thus never insured. but the mazda has the same specs according to insurance and I pay 156/month on it. I was paying 485 a month for having an at fualt, with G2 under 25… so yeah I’m happy now ^___^

19

at $500 a month i’ll laugh in the cops face at the $5000 fine when i have no insurance to show.

insurance companies dont deserve the premiums considering that the service is so $hit. they’ll do everything to avoid paying premiums.

20

23-7-2 = 14.

Something doesnt add up. Have to have your G1 for 8 months minimum. G2 for a year minimum.

Were you in another country where they let you drive at 14 or something?

Anyways, I pay $180/mo. for liability fire and theft. I’m 22 and have a clean record (what they don’t know cant hurt them).[/quote]

Different province… and some scam related to living in that province still maybe.

A friend of mine from Alberta has paid under $700 a year for a while now although he has been living in Ontario for a few years… I think you have 3 months to change your plates, he never has though.[/quote]

yes
im from Edmonton alberta
moved to this shit hole in 2002
got my learners the day i was 14 and my drivers the day i was 16
drivers license there translates to a G here
insurance see me as having 7 flawless years on a G (im allowed 2 tix with in 3 year period)

and alberta has no G2
its just a learners and drivers
so we wont get in trouble if we have a drink at 16 and drive assuming we arnt intoxicated!