Insurance quote 5K a year anyone know any cheap insurance companies?

Ibi · 11-08-2012, 08:15 AM

#taketheTTC

Try "the personal insurance". Theyre pretty cheap..

bling_singh · 11-08-2012, 08:16 AM

Have you tried contacting your parents' insurance company? You should be able to get a multi-vehicle discount (and a lines of business discount if they have their home and auto insured at one place). If your quote was from the same place, confirm that all the discounts are in place.

The car you drive isn't going to make much of a difference at this point. If anything the E92 is a pretty good car for insurance. Your age, location and driving history have the biggest impact. And as Zebra said, some insurance companies are just more expensive than others.

techy1 · 11-08-2012, 10:31 AM

I'm not sure if i can help to much but this guy seems to be really good but he's in toronto. my whole family switched to him as well. most places were quoting me 350-500/month and this guy got me one for 280/month. also brought down my whole family by a lot too.

I'm 23 btw so this is by far the best rate i've ever seen yet.

his name is peter and he is much easier to get a hold of by email. peterf@fpinsurance.ca

AP2 · 11-08-2012, 11:12 AM

$5000 a year isn't too bad. I paid over $9k a year when I was 18.

335BBS · 11-08-2012, 11:40 AM

Quote:

Originally Posted by DerekC

am i the only person who sees how ridiculous this thread is?

Nope. I'm with you. Unbelievable.

munchkins · 11-08-2012, 01:07 PM

Oh well that's the price you have to pay for being a high risk driver and how young your age is. Might as well ask your parents if they can include the car under their insurance and you as a second driver or perhaps list the car under multiple insurance like house+car bundle policy. I don't know if liability coverage works also so try to ask an agent about this and if there's some coverage that you can avail at a very low premium. Good luck!
_____________________________________
http://www.onlineinsuranceportal.com...young-drivers/

BRAISKI · 11-08-2012, 01:50 PM

Quote:

Originally Posted by Harvy

They want me to be independent and I work about 27 hours a weeks but i begged them for so long for this car under the condition that I'd pay insurance and gas

You gotta pay to play. If your parents are very "nice" to get you the 350z and demolished it (not gonna as why) and now they got you a 335 so why not keep begging them and don't stop whining to them, tell them you will go on hunger strike if they don't pay for it. You should take advantage of your situation there are a lot of spoiled kids around that if you don't get to drive your BMW your school friends will laugh at you or if they see you ridding the rocket

.

Anyways try insurancehotline.com

Zebra99 · 11-08-2012, 04:46 PM

Call a broker who deals with many insurers and just do some general calling to direct writing insurers like unifund, the personal, State Farm, intact and any others.

Your young, you're gonna pay.

Harvy · 11-09-2012, 10:11 AM

Thanks so much to everyone that replied, yesterday was my birthday so I didn't get a chance to insurance shop or read this post but hopefully some of the things you guys told me to try will help me out! The helpful replies are much appreciated thankyou

andrey_gta · 11-09-2012, 11:37 AM

My advice is to move outside of Toronto. When I was away for school, my insurance rate was very low vs GTA/Toronto

magico · 11-09-2012, 03:31 PM

have you tried TD Meloche Monnex? Ask for the university student discount and see what they give you

11-08-2012, 08:15 AM	#23
Ibi Private First Class 8 Rep 168 Posts Drives: E93 Join Date: Jul 2009 Location: Toronto iTrader: (0) Garage List 2009 128i [0.00]	#taketheTTC Try "the personal insurance". Theyre pretty cheap..
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11-08-2012, 08:16 AM	#24
bling_singh Second Lieutenant 12 Rep 201 Posts Drives: 2019 540i Join Date: May 2008 Location: Toronto iTrader: (0) Garage List 2019 BMW 540i [0.00]	Have you tried contacting your parents' insurance company? You should be able to get a multi-vehicle discount (and a lines of business discount if they have their home and auto insured at one place). If your quote was from the same place, confirm that all the discounts are in place. The car you drive isn't going to make much of a difference at this point. If anything the E92 is a pretty good car for insurance. Your age, location and driving history have the biggest impact. And as Zebra said, some insurance companies are just more expensive than others. __________________ Wide open road, wide open throttle.
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11-08-2012, 10:31 AM	#25
techy1 Captain 21 Rep 617 Posts Drives: 2008 328i Join Date: Aug 2012 Location: Brampton Canada iTrader: (2)	I'm not sure if i can help to much but this guy seems to be really good but he's in toronto. my whole family switched to him as well. most places were quoting me 350-500/month and this guy got me one for 280/month. also brought down my whole family by a lot too. I'm 23 btw so this is by far the best rate i've ever seen yet. his name is peter and he is much easier to get a hold of by email. peterf@fpinsurance.ca
	Appreciate 0 Quote

11-08-2012, 11:12 AM	#26
AP2 Captain 47 Rep 978 Posts Drives: P100D Join Date: Jan 2007 Location: Toronto iTrader: (0)	$5000 a year isn't too bad. I paid over $9k a year when I was 18.
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11-08-2012, 01:07 PM	#28
munchkins New Member 0 Rep 6 Posts Drives: 2002 BMW 745i Join Date: Sep 2012 Location: here and there iTrader: (0)	Oh well that's the price you have to pay for being a high risk driver and how young your age is. Might as well ask your parents if they can include the car under their insurance and you as a second driver or perhaps list the car under multiple insurance like house+car bundle policy. I don't know if liability coverage works also so try to ask an agent about this and if there's some coverage that you can avail at a very low premium. Good luck! _____________________________________ http://www.onlineinsuranceportal.com...young-drivers/
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11-08-2012, 04:46 PM	#30
Zebra99 Colonel 112 Rep 2,856 Posts Drives: 2011 335is E93 Join Date: Aug 2011 Location: Ontario iTrader: (6) Garage List 2008 BMW 335i E93 [10.00]	Call a broker who deals with many insurers and just do some general calling to direct writing insurers like unifund, the personal, State Farm, intact and any others. Your young, you're gonna pay.
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11-09-2012, 10:11 AM	#31
Harvy New Member 1 Rep 22 Posts Drives: E92 335xi coupe black stock Join Date: Oct 2012 Location: Calgary, AB, Canada iTrader: (0)	Thanks so much to everyone that replied, yesterday was my birthday so I didn't get a chance to insurance shop or read this post but hopefully some of the things you guys told me to try will help me out! The helpful replies are much appreciated thankyou
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11-09-2012, 11:37 AM	#32
andrey_gta Brigadier General 298 Rep 4,040 Posts Drives: 130i coupé ;) Join Date: Nov 2011 Location: Bimmerpost iTrader: (1) Garage List 2008 BMW 128i [10.00]	My advice is to move outside of Toronto. When I was away for school, my insurance rate was very low vs GTA/Toronto __________________ 128i Sport 6MT converted to Euro 130i spec, 3.73 diff, tuned by evolve ~220 whp 207 wtq(ft-lb) SAE In-progress: //M front arm, M3 rack, e36M lip Wishlist: Coils, n55 mnts, headers, LSD, e60 finn diff "The 1-series is the last car that BMW engineered before the Germans, as a car-making culture, fell out of love with driving." - R&T 2013 135is
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11-09-2012, 03:31 PM	#33
magico Private 9 Rep 68 Posts Drives: 2006 E90 325i BSM ZSP 6MT Join Date: Nov 2012 Location: GTA iTrader: (0)	have you tried TD Meloche Monnex? Ask for the university student discount and see what they give you __________________ E90 2006 325i - 6MT - BSM
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