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Canadian Insurance Companies

 
Old 10-09-2001, 10:30 PM
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Default Canadian Insurance Companies

Hey, sorry guys but I have question(s) if you want to answer it because you may have to give out some personal info like age.

Q1: What insurance company do you guys go with, and how much do you pay for your age/record?

FYI: I'm planning on being a secondary driver with my gf (not using the f word that comes before marriage, I can't take it...yet ) as primary. She got quoted $2500-3000 at Canadian Life Casulty. She's 23, seven years experience, perfect record, G-license, with driving school cert. I'm 20, three years experience, uh six points or so (one accident: tailgating), G2 license and driving cert. My quote: $3500-4000. As secondary!!!

Q2: Can I drive the car without being insured as secondary as long as she is insured as primary? I'm afraid of asking the insurance company this.
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Old 10-10-2001, 08:18 AM
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"Q2: Can I drive the car without being insured as secondary as long as she is insured as primary? I'm afraid of asking the insurance company this"

As long as the car is insured that's all you need insurance companies wont tell you that. The only benefit of having you on the insurance also is that later when you go on your own, the insurance company's will ask you if you have ever been insured and this way you can say yes

As for insurance companies i heard state farm is good. I'm with Co-operators but they arent co-operating so I would go with them.
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Old 10-10-2001, 09:48 AM
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My insurance costs won't be of much use to you since I'm a lot older than you. Your biggest penalty is being under 25. Once you get to your 25th birthday, your insurance will almost be cut in half assuming you have a clean driving record and no claims to that point. The same goes for your gf even though she's probably paying a lower rate that a male of the same age. Something to consider if you can afford to take the risk. Increase your deductible to as high an amount as you dare or as high as the bank will allow if it is financed. Going to $2000.00 (or more) deductible will save you big bucks until you become of "age" and can then bring it back down to the usual $500.00 (or less).
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