[opal]

Excuse me for venting a little, but I'm moving in a week and called the insurance company to get things changed address-wise. RBC Insurance (who previously had the best rate I could find for an Insight) is telling me that I now will pay $180/month (Canadian, before you US kids all have heart attacks) for my Insight.

Um. Excuse me?

They're basing it on "location" - I'm moving to St. Jacobs from Waterloo, a whole 10km.

Any of you Ontario kids have recommendations for insurance brokers? Even the RBC lady said this was ridiculous and that she recommended switching.

Before you start recommending websites for quotes - I got my license in the no-man's-land between normal and graduated licensing (aka accelerated graduated licensing) so the websites won't accept my data as "valid" *hrumph*

 

[opal]

It's an extra $400 a year (really 9 months - June to March when my term expires) for nothing more than a 10km move? No offense, but I think I have a right to complain!

I've already tried negotiating. They aren't budging.

So we're comparing apples to apples: 26, female, insured 10 years, driving 10 years, squeeky clean driving record (don't ask how I manage that one, I don't know!) I'm the only driver of the Insight. $500 deductable. Nothing fancy.

 

[opal]

Do they discount insurance in Canada for taking Defensive Driver's course? In Texas, it's eight hours and 25 USD. It prevents a ticket from going on your driver's record, can take it every twelve months, and State Farm gives me at 12% break.

Not that I know of, but that's something to look into. Thanks for the tip.

I asked RBC if they'd give me a rebate for the winter driving course I took last year, but was told at the time that they only cared about driving courses as an indicator of how long you'd been driving. Apparently self-improvement isn't on their list of things to bother with, but that doesn't mean other companies won't consider it.

 

[opal]

Oookay, so I guess from the prices you guys are quoting me, I shouldn't be complaining. Heh.

In case any Ontario-types are interested, PC Insurance (yeah, president's choice does insurance, who knew?) quoted me an awesome rate. Case closed.

It seems the rate regions aren't standards across insurance companies - surprise surprise.