cheapest Insurance companys for new drivers
 

hey guys im new here, just got a question. I got my g2 september 06' im 18
and i got a car ready to go, so which insurance companies you guys know of that offer cheap insurance for new drivers?
ive tried that kanetix website, and all the companies listed want too much$$

help me out please:dunno:

try Keller and Associates, they are in St. Catharines. I had good luck with them, being 18 sucks though, good luck.

the problem is that there is so many variables when it comes to what makes your insurance cost what it does that you can't really say X company will be best.

Unfortunately usually calling around is best. What was good for my friends wasn't good for me.

So far I've gotten the best quotes from belairdirect, but I'm not a new driver

oo.. alright thanks people.. ill give a few a call and see
i just want to pay something reasonable because just gas alone is a killing its like over 1,000 a year thats messed up!

insurance
 

try State FARM:smilie_da

thanks people but ill call around after winter lol

state farm sucks... i got quoted 8g'z as a new driver

certas direct wants $4981 a year off me as a new driver and 1 way only.
its Not bad.. but i want it alot lower lol.:retard:
still going to call more places

here is a guy i deal with
 

here is a guy i deal with his name is bryan barber from allstate, he saved me a load of cash and he know and has seen my turbo type R, here is his number 905-257-4782, and if you like his price he will come to you to met up of go to his office in oakville, just tell him michael botelho gave you his number good luck

Have you tried Kanetix?

This should find you the best deal out there for your age, car, etc.

Kanetix: Car Insurance, Auto Insurance Quotes, Life Insurance, Home Insurance, Travel Insurance. Compare online insurance rate quotes in Toronto, Ontario, Alberta, BC, Quebec and most of Canada.

yepp i tried kanetix.. thats where i got the certas direct quote from

thanks i called the guy but he couldnt do anything for me atm because he was at home and the only time i get home after work is when hes off.

can i call him on a saturday or sunday?

here is his cell number 416-476-8689

thanks

kingston i think
try this site, they seem to offer the best rates
http://www.hubontario.com/index.cfm?fuseaction=content.public&sid=598

also www.insurancehotline.com (or.ca) also not too bad

damn he doesnt deal with new drivers lol
oh well thanks for everything

i just tried them right now. they all want alot of $$ there all over $4918 which is the best quote i got so far from kanetix website.

its not kingston i think its kingsway insurance, look em up, and if you cant get a quote on hubgroup try calling them, what kinda car is it?

ok ill try that...
the car i got is a acura 3.2tl year 2000.. with under 40,000km on it LOL
my dad is basicaly giving it to me once i get insurance on the damn car:retard:
and i wont get insurance untill i find something ATLEAST around 4000 a year.

state farm dosint suck im a new driver and and was told 150$ monthly for a 92 civic si so i dont think state farm sucks at all lol ans that is on my own policy

Try and find a good insurance broker. They can find you the best price usually because they don't deal with just one company, they deal with many. It can also save you from having to call around to a whole bunch of companies.

just a thought...

shoot im lookin for insurence too practiclly the same postion as FCPorto_Q10
turbotypeie mind if i use the insurence as well?






they were askin for 450 from me :smilie_d0

i posted it it bc he gave me such a good deal and i have been fu*k around by them because of the car but he had no problem with it just wonted to see it in person, his name and number are there for anyone to use i never stop looking for a better price.

get a broker they will shop around for you

i deal with both state farm and kingsway (kellar and asc) kingsway was cheap but there retarded to deal with, i love state farm... a bit pricey but its way better service and they will help you out alot more in the long run

if i got a broker... do i have to pay him/her upfront and how much... like what if he doesnt find a deal that im looking for and im like fuk its too much... how much do i pay him/her?

I don't think brokers charge you. They just find you a good deal and I think they get commisions from the insurance companies.

FC....you should do the drivers certificate course....its worth the approx. $300 cuz it saves you a decent bit in insurance a month.

i got the course done about 5 months ago almost 6..:thumbsup:
but still they want alot... like honestly how can they judge new drivers more of a "high risk" driver if the driver hasnt proved to them anything wrong?
and shouldnt a drivers course certificate give them proof that i can drive. jesus christ!!! these people ripp off all these new drivers and they havent done anything WTF:retard:

lol anyways
if i cant find anything better then 4981/year then ill take it.

Porto man, How many tickets do you have? How many insurance claims do you have? Have you ever been insured under your parents? (Can you do that now??)Have you taken a drivers training course (ie. Young Drivers, CAA)?

This info plays a big role, especially being 18. Some of them you can change (ie. Dealing with tickets, aquiring training certificate).

If your parents can hook you up, you would save prolly 1 to 2 gs by being under their policies.

Or, get yourself a crib in the boonies and your rates will drop.

well i am 18, got my drivers training course...i never been insured, no tickets nothing. BUT i dont know if this is true or not.. but i think i cant drive as a second driver... thats what my dads insurance told him once he asked to get me in as a second driver. the brokers responce was because we have 2 cars and only 2 drivers in the house, Me and my dad as drivers. a acura, and ford pickup as the 2 cars... the broker said: 1 car for each driver.

you think i can get 2nd driver with anyone else? or is the guy just trying to scam me?

im pretty sure thats why its up to the 5000$ range... and thats with 1 way insurance only LOL. i need to be a second driver.. any opinions or suggestions?:dunno:

i just did a quote on the web cheapest i found under my dads name as 2nd driver would be 2271$/year what a difference PLUS its full coverage.

and i did one with 1 way insurance. its 1758$/year with the same company.

they just give me those prices but i dont know how it works.. if thats total for the car for me and my dad.. or if thats a price for each person? or something...

Call all the nobody "never heard of these guys" insurance companies. Be prepared to sit on the phone for a few hours with a phone book and a pen/pad of paper in front of you. Depends more on the car you're insuring than anything else. Make sure the car is used and or not bought with a loan as full coverage is needed on that . people yourr age buy cars with lines of credit to get around that..interest is higher but not as high as the extra insurance is...

the car is used when we got it in early 2001. and paid for.

can anyone help me on the 2nd driver thing? is it true or not, any opinions

$1000 a year for fuel is under $20 of fuel a week. I usually do that and often double that every day.

There's no insurance company that will let your dad be primary driver on TWO cars while you're living in the same house. If there are two cars and two drivers, the assumption is that each car will have its own primary driver.

Owning and driving your own car is expensive business, far more expensive than most people realize.

If you think $1,000 a year is too much for fuel, you need to seriously stand back and think hard on whether you can afford to pay fuel and maintenace AND another $2,000 to $3,000 or more in insurance costs that comes with owning your own car. You may think that car is some sort of symbol of status, freedom and mobility, but the sad truth is that for many, a car in one's early years is just a money pit on the road to potential bankruptcy.

Unless you have no other alternative and absolutely NEED (not just want) a car to get to school or work, your money is better left in the bank. Borrow your parent's car if you can, and make sure they have you as a named driver onm their policy. That way you can go on as a secondary driver at significantly lower rates than what you would pay as a primary on a second car.

Doing it that way has other advantages too. You get to pay lower insuarnce rates while you build up a driving and claims record with your parent's insurance company. Provided you keep your driving record clean of tickets and accidents, you will reap the benefits of cheaper insurance later when you really can afford to buy and own your car later on down the road. Because it's still their car, you'll save on maintenance costs. And because it's still their car and you have to borrow it when they're not using it, the amount of driving you do will necessarily be limited, which translates into more money saved because you won't be able to just aimlessly cruise around any time you want.

Unless you absolutely NEED a car, be smart and just sell it. Borrow your parent's car, walk, bike, use transit. You might not be able to enjoy the same "cool you own a car" status among your friends, but you also won't have to worry about them finding out just how penniless you will later become as a result of owning that car.

Because AS A GROUP, young males in their first 5 years of driving have a 4 times higher crash rate than other drivers. Not only that, but those crashes also tend to be far more severe involving much higher injury and fatality rates than is the case with other drivers.

The best predictor of future behaviour is past behaviour. Your group behaviour can be predicted by looking at the groups of new drivers who came before you.

your right.. thanks for your input.. thing is for maitanence there is no problem lol my dad works at a shop so thats basicaly covered, we can do basicaly everything at home when it comes to car problems. i am complaining about fuel but i can afford that, and i can afford insurance aswell i just want to know if there is anything cheaper. so i can start insurance.. and save a bit of $$. but i guess i have to be 1st driver then. and there is no point is selling the car because i will get NOTHING close to the value of what the car it realy is. the thing is basicaly brand new. just 7 years old.

anyways thanks.. anyone else with opinions or good insurance placaes that they know of please fell free to say something. :thumbsup:

welcome to the real world.....daddy just gave you a car for free and you are crying that you have to pay 5000 a year for insurance....you know what i got when i was 18....thrown out of the house....my parents did buy me a 1991 Ford Tempo once and i had to pay 3000 a year to insure that tin can so get used to high insurance prices because they will screw you for the rest of your life and if you lie to them and put it as a second driver good luck making a claim with them.....once they find out you lied they will just cancel your policy and then you will have no car or money.....so just bend over and get ready for the big 14 incher....you'll get used to it.

lmao.. im not crying though.. all i want is to see which company has cheaper rates.. I WILL PAY.. and basicaly take it up the ass LOL.. but i rather save money then just go out and pick a company and go with them and find out later that there is one cheaper.. if i just picked one id pay up 6,000.. and i searched and found out i could get 4,900$.. so thats why im here asking.. and sort of complaining lol. but im not crying.

yeah so anyways keep those coments, suggestions or w/e you got coming, feel free to share:thumbsup:

i doubt your gonna get anything cheaper. im 18 now too and i own a pos 92 civic and they want like 3900 a year third party for that :retard: they think im gonna be a street racer with a dying d16.. oh well, thats life. 4900 is pretty good for a '01 acura i'd say. get your G and it'll be cheaper (if you dont already have it)...

Yea, You have so far received some excellent advice. GLDWNGR has really told you how it is.

As far as reducing your rates. Get older. Get a G license. Get 1-way (liability), and add theft/vandalism as an option (but not collision). This last thing should save you about 700 dollars or more.

Get your family to get a quote from TD Meloche Monex, and The Personal if either of your parents graduated from University/College they might be eligible for group discounts.

As far as the primary driver thing. GLDWNGR was correct. It would constitute fraud for you to be registered as a secondary driver when their are 3 cars and 3 drivers in the household. In fact, all people living in the household that hold a valid drivers license MUST be insured.

If you go to college/University and move out of your parents house, then you may be able to be a secondary driver. This could dramatically reduce your rates. So do good in school!

okie dokie.. thanks for the advice.. i think im going to go with the 4900$ which i dont mind.. unless i find a better one. its for a year and i will be working all the time so why not.. i dont want to take the bus everyday.. which takes over an hour to get to work.. then another hour to get back thats 2+ hours in the day wasted when by car it takes about 40+ mins back and front. and then i can use the car for other stuff if i wanted to go out.. instead of staying home all day or walking to those places. lol

to me money isnt really the issue.. its just i want to find a lower price thats all.. just to save up a bit.:thumbsup: