Insurance Advice - #1 Car Club In Kitchener - Waterloo - Cambridge

**Raceworlds_TargaLude** · 07-30-2004, 10:35 AM

need some insurnace companies.. could you guys list a few for me to try..? state farm just raised my insurnace over a grand a month.... i don't feel liek paying for that...

any suggestions?

please helpppp... oh and state farm :fuckyou:

**Avenger** · 07-30-2004, 10:37 AM

Belair Direct - www.belairdirect.com
PC Insurance - www.pcinsurance.ca

These were the 2 cheapest quotes I got.........I'm currently with Belair.

**Mandy** · 07-30-2004, 10:38 AM

TD Meloche Monnex:

http://www.melochemonnex.com/en/home

**Raceworlds_TargaLude** · 07-30-2004, 10:39 AM

naw mandy.. these ask for pictures.. i can't let them see my car.... no one will insure my car...

**Mandy** · 07-30-2004, 10:40 AM

Quote:

Originally Posted by Raceworlds_TargaLude

naw mandy.. these ask for pictures.. i can't let them see my car.... no one will insure my car...

Use mine for the "photoshoots"!

**vwguy** · 07-30-2004, 10:43 AM

Hey Tommy i'm with:

Belair Direct - www.belairdirect.com

as well. The whole registration was done over the phone and i pay $120/month (is a family policy)
No pictures or nothing like that.

**Raceworlds_TargaLude** · 07-30-2004, 10:47 AM

ok i'll give belair a shot.. should i switch with the entire family or what?

**vwguy** · 07-30-2004, 10:50 AM

Quote:

Originally Posted by Raceworlds_TargaLude

ok i'll give belair a shot.. should i switch with the entire family or what?

We did and we payed $338/month and after 1 year w/ them it dropped to $280/month and now to $238 /month
We have 3 cars
2001 Audi A4
2001 Golf 1.8T
1992 Nissan Maxima

My dad had two accidents (not at fault) 1 speeding ticket, mom has clean record I have one speeding ticket (15km/h over)
I'm 22 (as of yesterday)
We all have G Full.

**Mandy** · 07-30-2004, 10:50 AM

Quote:

Originally Posted by Raceworlds_TargaLude

ok i'll give belair a shot.. should i switch with the entire family or what?

Yeah, unless you want the insurance under your name only.

Switch the whole family over, you may be able to pick up a deal when doing that.

**Raceworlds_TargaLude** · 07-30-2004, 11:53 AM

ok well..

we have

2004 GMC sierra
2003 Acura MDX
1999 Honda prelude
1998 Honda Accord

i got a ticket 3 years ago 22 over, mom got a ticket for running a red, no tickets for my dad.

**CrimsonFury** · 07-30-2004, 01:18 PM

My insurance company (Echelon) just kicked me off my policy because they found out my car was modified. I'm currently with facility, and went from $90 per month to $167 per month! Thats just rape.

So what insurance companies will insure a modified vehicle? I need a list. I know I could go with any company and not tell them about the modifications. But if I get into an accident, I will not be covered when the adjuster see's the modifications.

**neonSRT** · 07-30-2004, 01:31 PM

^^ thats really strange... SickGSX is insured with Echelon, and they don't care about his mods.

**South** · 07-30-2004, 02:02 PM

Quote:

Originally Posted by Raceworlds_TargaLude

need some insurnace companies.. could you guys list a few for me to try..? state farm just raised my insurnace over a grand a month.... i don't feel liek paying for that...

any suggestions?

please helpppp... oh and state farm :fuckyou:

They raised you’re insurance by over $12,000/year??

What did you do?

**Raceworlds_TargaLude** · 07-30-2004, 05:18 PM

ok well my dad called in to state farm today.. my father asked them why the insurance rates went up too drgastically they simply said.. he's still young and un experienced.. i've been driving for 3 and half years now almost, so im fairly new.. but from 315 - 430 - 630 now 1350 a month.. thast just insane.....

**vwguy** · 07-30-2004, 05:21 PM

WTF $1350/month, do they acctually expect you to stay with them ???
Call around man, there are much better rates out there.

**cwiniarz** · 07-30-2004, 05:29 PM

^^^ HOly crap that's just insane. Belair Is probaby going to be your best bet, but you're not allowed to have mods so keep quiet about that

**Raceworlds_TargaLude** · 07-30-2004, 05:44 PM

yah.. i tried calling belairdirect.. i was on hold for like 45 mins no one picked up so i hung up.. i got did an application online so they should be sending me a estimate soon.

state farm is fucked.. i dont know why it went up by double.. for no reason..

**MX3Autozam** · 07-31-2004, 03:14 AM

Holyt crap $1350 a month...You could be driving a Ferrari with a price like that
Don't they know your car is just a "Prelude"
Did they find out you got mods.

John

**MX3Autozam** · 07-31-2004, 03:16 AM

I have belair on my Escort...no problems

And i know they sometimes as for pics
My mom has a 98 Chevrolet Malibu...and they wanted pics of that

John

**waituhy** · 07-31-2004, 06:09 AM

hey try this www.insurancehotline.com

i filled out all my info and they give me three of the best prices for me, and to get the insurance companies name i needed to give them $8.50.

so i called the insurance companies and i found one for 191 a month, which isnt bad cause i was going up to 410 a month with the old company

**ChippedFire** · 07-31-2004, 10:23 AM

damn insurance companies in Ontario!!!!

My buddy from B.C. was down all week long. Anyways he bought a 2004 Pontiac Vibe and he's my age (20). Wanna know what his insurance is by himself? First time driver I might add and the first time he's ever been insured. He pays $80 a MONTH!!!!

Damn government controlled insurance!

**heatscr** · 07-31-2004, 11:33 AM

Quote:

Originally Posted by Mandy

TD Meloche Monnex:

http://www.melochemonnex.com/en/home

They wont do modified cars dropped me last year and my whole family when they found our i was modified, and my parents had been with them for for like 15 to 20 years

**SilverCRXSi** · 07-31-2004, 09:53 PM

Holya crap thats insane!!!

I got quoted $153 for a2004 RSX-Premium and $142 for a 2002 RSX-S.
Guess what my next car is gonna be?

The insurance company?
State Farm.

And yes my CRX is modded. My understanding is that mods are ok, as long as its legal (i.e. bolt-ons) but you only get the value of the car stock)

07-30-2004, 10:35 AM	#1 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	Insurance Advice need some insurnace companies.. could you guys list a few for me to try..? state farm just raised my insurnace over a grand a month.... i don't feel liek paying for that... any suggestions? please helpppp... oh and state farm :fuckyou: ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-30-2004, 10:37 AM	#2 (permalink)
Avenger VM Member Posts: 2,440 Location: Kitchener Ontario Join Date: Mar 2004 Ride: 2002 Chrysler Intrepid R/T Fav Mod: Class:	Belair Direct - www.belairdirect.com PC Insurance - www.pcinsurance.ca These were the 2 cheapest quotes I got.........I'm currently with Belair. ------------------ Rob 2006 Honda Civic DX coupe 1.8L 140HP/128ft/lbs - HID's 2002 Intrepid R/T 3.5L HO 244HP/250ft/lbs - Bone Stock 15.5 @ 90MPH

07-30-2004, 10:39 AM	#4 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	naw mandy.. these ask for pictures.. i can't let them see my car.... no one will insure my car... ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-30-2004, 10:43 AM	#6 (permalink)
vwguy VM Founder & Moderator Posts: 15,577 Location: Waterloo, Ontario Join Date: Nov 2003 Ride: 2001 VW Golf 1.8T Fav Mod: CF Hatch Class: All Out	Hey Tommy i'm with: Belair Direct - www.belairdirect.com as well. The whole registration was done over the phone and i pay $120/month (is a family policy) No pictures or nothing like that. ------------------ Nick \| 2001 Golf 1.8T \| www.mygolfiv.com \| www.hpaddicts.com \| Need Cheap Hosting ?? www.WEJhosting.com $50/Year

07-30-2004, 10:47 AM	#7 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	ok i'll give belair a shot.. should i switch with the entire family or what? ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-30-2004, 10:38 AM	#3 (permalink)
Mandy VM Member Posts: 4,650 Location: Etobicoke Join Date: Apr 2004 Ride: 1998 Honda Civic SI Fav Mod: Class:	TD Meloche Monnex: http://www.melochemonnex.com/en/home

07-30-2004, 11:53 AM	#10 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	ok well.. we have 2004 GMC sierra 2003 Acura MDX 1999 Honda prelude 1998 Honda Accord i got a ticket 3 years ago 22 over, mom got a ticket for running a red, no tickets for my dad. ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-30-2004, 01:18 PM	#11 (permalink)
CrimsonFury VM Member Posts: 433 Location: Your girls bed... Join Date: Dec 2003 Ride: Fav Mod: Class:	My insurance company (Echelon) just kicked me off my policy because they found out my car was modified. I'm currently with facility, and went from $90 per month to $167 per month! Thats just rape. So what insurance companies will insure a modified vehicle? I need a list. I know I could go with any company and not tell them about the modifications. But if I get into an accident, I will not be covered when the adjuster see's the modifications. ------------------ Dan 1991 MR2 Turbo ------------------------------------- ....some mods

07-30-2004, 01:31 PM	#12 (permalink)
neonSRT VM Moderator Posts: 12,178 Location: Guelph Join Date: Nov 2003 Ride: 91 VW GTI Fav Mod: Azenis RT615's Class: Street	^^ thats really strange... SickGSX is insured with Echelon, and they don't care about his mods. ------------------ Roses are #FF0000 Violets are #0000FF All my base are belong to you.

07-30-2004, 05:18 PM	#14 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	ok well my dad called in to state farm today.. my father asked them why the insurance rates went up too drgastically they simply said.. he's still young and un experienced.. i've been driving for 3 and half years now almost, so im fairly new.. but from 315 - 430 - 630 now 1350 a month.. thast just insane..... ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-30-2004, 05:21 PM	#15 (permalink)
vwguy VM Founder & Moderator Posts: 15,577 Location: Waterloo, Ontario Join Date: Nov 2003 Ride: 2001 VW Golf 1.8T Fav Mod: CF Hatch Class: All Out	WTF $1350/month, do they acctually expect you to stay with them ??? Call around man, there are much better rates out there. ------------------ Nick \| 2001 Golf 1.8T \| www.mygolfiv.com \| www.hpaddicts.com \| Need Cheap Hosting ?? www.WEJhosting.com $50/Year

07-30-2004, 05:29 PM	#16 (permalink)
cwiniarz VM Member Posts: 2,746 Location: Cambridge Join Date: Nov 2003 Ride: 2003 Infiniti G35 Fav Mod: Class:	^^^ HOly crap that's just insane. Belair Is probaby going to be your best bet, but you're not allowed to have mods so keep quiet about that ------------------ --=Chris=-- If NISMO stands for Nissan Motorsports, Does HOMO stand for Honda Motorsports?

07-30-2004, 05:44 PM	#17 (permalink)
Raceworlds_TargaLude VM Member Posts: 34 Location: Toronto Join Date: Jun 2004 Ride: Fav Mod: Class:	yah.. i tried calling belairdirect.. i was on hold for like 45 mins no one picked up so i hung up.. i got did an application online so they should be sending me a estimate soon. state farm is fucked.. i dont know why it went up by double.. for no reason.. ------------------ My name is Tommy and I blow things up.. ya ya like my motor.

07-31-2004, 03:14 AM	#18 (permalink)
MX3Autozam VM Member Posts: 3,013 Location: Cambridge, Ontario Join Date: May 2004 Ride: 93 MX3 Precidia Fav Mod: KLZE,Greddy Exhaust Class: Strip	Holyt crap $1350 a month...You could be driving a Ferrari with a price like that Don't they know your car is just a "Prelude" Did they find out you got mods. John

07-31-2004, 03:16 AM	#19 (permalink)
MX3Autozam VM Member Posts: 3,013 Location: Cambridge, Ontario Join Date: May 2004 Ride: 93 MX3 Precidia Fav Mod: KLZE,Greddy Exhaust Class: Strip	I have belair on my Escort...no problems And i know they sometimes as for pics My mom has a 98 Chevrolet Malibu...and they wanted pics of that John

07-31-2004, 06:09 AM	#20 (permalink)
waituhy VM Member Posts: 195 Location: brantford Join Date: Jun 2004 Ride: 99 honda accord Fav Mod: Class:	hey try this www.insurancehotline.com i filled out all my info and they give me three of the best prices for me, and to get the insurance companies name i needed to give them $8.50. so i called the insurance companies and i found one for 191 a month, which isnt bad cause i was going up to 410 a month with the old company

07-31-2004, 10:23 AM	#21 (permalink)
ChippedFire VM Member Posts: 5,044 Location: Cambridge, ON Join Date: Nov 2003 Ride: 1998 Pontiac Sunfire GT Fav Mod: Class: Street	damn insurance companies in Ontario!!!! My buddy from B.C. was down all week long. Anyways he bought a 2004 Pontiac Vibe and he's my age (20). Wanna know what his insurance is by himself? First time driver I might add and the first time he's ever been insured. He pays $80 a MONTH!!!! Damn government controlled insurance! ------------------ T.J. 1998 Pontiac Sunfire GT 1990 Toyota Celica GT

07-31-2004, 09:53 PM	#23 (permalink)
SilverCRXSi VM Member Posts: 233 Location: Guelph Join Date: Nov 2003 Ride: My Shoes Fav Mod: Class: Street	Holya crap thats insane!!! I got quoted $153 for a2004 RSX-Premium and $142 for a 2002 RSX-S. Guess what my next car is gonna be? The insurance company? State Farm. And yes my CRX is modded. My understanding is that mods are ok, as long as its legal (i.e. bolt-ons) but you only get the value of the car stock) ------------------ I'm blue ladadeladeda....