Cheap High Risk Car Insurance Quotes & Rates in Ontario & Toronto
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Money and risk go hand in hand in the car insurance industry. The most powerful defense against high car insurance rates is a motorist’s good driving record and low claims history. When that advantage gets lost, drivers pay more and may find the pool of companies willing to offer policies drying up.
Combating the cost of high risk insurance isn’t easy. It takes years of clean driving to rehabilitate a poor record since the insurance industry can attach infractions to a motorist’s record for a decade. Knowing the ins and outs of car insurance in Ontario helps the process.
Factors That Create High Risk Insurance Clients
Not all high risk assessments come from traffic violations, nor do all factors originate with the driver. Driving habits do remain the primary cause for high risk status, however. Multiple speeding tickets can, as an example, bump an otherwise good driver into the high risk zone. Not only that, but the effects of speeding tickets persist for three years after the violation. In the case of more serious violations, such as careless or dangerous driving, the effects could be longer and a drunk driving conviction can stay on your insurance record for 10 years after your license is re-instated. Combinations of convictions can also trigger high risk status.
Modified vehicles, altered to provide higher performance than their stock versions, can also fly off the charts of conventional insurance. Modified vehicles invite drivers to engage in aggressive behaviour, since these cars may perform above and beyond. Modifications themselves change the vehicles in unknown ways, potentially compromising any safety design features. Since a car may be unique after modification, insurers have no way to rate it as a risk. The cost of modifications also affect repair and replacement costs. This is particularly true if the motorist modified the car themselves.
Motorists can be financial risks as well. Those who habitually miss payments or let insurance lapse can earn a high risk designation. Under the Auto Insurance Consumers’ Bill of Rights, administered by the Financial Services Commission of Ontario, you can cancel a policy at any time. However, if you simply let a policy lapse, neglecting to make payments, then you’re in danger of becoming high risk. This could increase your premiums if you resume auto insurance coverage, but only for non-payment of auto insurance. In Ontario, car insurance providers can’t use your credit score to set premiums.
Uninsurable High Risk Drivers
Again, according to the Bill of Rights, every motorist legally entitled to own and drive a car has the right to buy insurance. While individual companies can deny coverage, the insurance industry must provide an offer. Every insurance company is a member of the Facility Association. This industry organization acts as a provider of insurance to the residual car insurance market. This includes high risk drivers who can’t get insurance through regular outlets.
The Facility Association doesn’t underwrite insurance policies itself. Instead, it acts as a go-between for the high risk driver and the insurance companies. In Ontario, insurers must follow approved rules when conducting business. The Facility Association provides exceptions when facilitating high risk policies. The insurance industry has a way to meet its obligations, and high risk drivers have access to car insurance policies.
It does, however, come at a cost to the driver. Because of the risk insurance companies assume when covering such drivers, premiums can exceed $10,000, over five times the cost of an average policy. Insurance companies must offer policies to all drivers. Affordability is not a requirement. Since many high risk driving habits have a statistically high level of re-occurrence, drivers in the residual market pay heavily.
Controlling the High Cost of High Risk Insurance
When a high risk driver has no alternative except through the Facility Association, there is little chance of negotiating discounts or lower prices. Fixing the damage done through high risk factors can only happen with long periods of event-free driving. There are some strategies that can reduce the amount a driver pays, even through Facility Association coverage.
Ontario requires a minimum mandatory amount of insurance on every vehicle driven in the province. This mandatory coverage is not full featured and does not include all types of insurance available for cars. The basic provincial requirement includes third party liability coverage, to protect other people affected by a car accident with an at fault driver. There are other provisions too, including uninsured driver protection, for hit and run accidents. The basic policy is the least amount of insurance a driver can have.
Collision and Comprehensive Coverage
This coverage doesn’t protect the driver’s vehicle from loss or damage. Collision and comprehensive coverage are not required by the government and a driver could forego both insurance types to keep costs down. Note that, if a car is financed, the lender may require collision and comprehensive coverage on the vehicle.
A high risk driver could purchase a low risk and low cost vehicle too. A four door sedan generally costs less to insure than a two door coupe, for example. An older car with a lower book value will usually result in a lower premium as well. If a driver is prepared to write off a vehicle that’s involved in a collision, choosing an older vehicle without collision or comprehensive insurance could reduce the costs of insurance substantially.
If collision and comprehensive coverage are chosen, their costs are minimized by choosing a high deductible. This is the amount a driver pays for loss or repair before the insurance company kicks in financially. Minimum deductibles, the most expensive to purchase, are $300 in Ontario. A driver can choose $500, $1,500 or even a higher amount to reduce the cost of added coverage. Of course, the driver must then be prepared to pay the extra if an accident happens.
Rehabilitating a High Risk Driving Record
Time is a driver’s best ally when recovering from high risk driving habits. In the case of a modified vehicle, a driver can simply sell the car and purchase a more conservative ride, in insurance terms. Speeding tickets, moving violations and DUI convictions remain on both a motorist’s provincial driving record and insurance risk histories. Most tickets stay on a driving record for three years from the date of conviction. Insurance companies usually consider tickets for a similar length of time. Driving suspensions and serious convictions may remain longer. Identifying precisely how long these offences weigh in is difficult, if not impossible, in Ontario. Every insurance company has considerable leeway in how premiums are calculated and how risk is assessed. As long as these receive approval from the FSCO, an insurer can do as it pleases.
Things You Can Do to Lower Your Auto Insurance Rates
Car insurance can be expensive but it doesn’t have to be outrageous if you know how to cut down your costs. Here’s how you can decrease your overall car insurance costs.
Comparison Shopping for Car Insurance
The easiest way to cut down on your Ontario car insurance costs is to research the various rates for car insurance. You can do this online with many comparison sites and look for a good overall rate for your car insurance. You can get quotes form several providers and then go over these quotes and decide what rate and policy work best for you. The first thing you need to do to save money on insurance it to do some investigating to find out where the lower rates are.
Only Get Coverage You Need
It’s great to have as much insurance as possible, but you might not need some insurance. Many insurance packages just won’t apply to you. For example, if you have an older car that isn’t worth repairing if it’s in a car crash, you shouldn’t get full insurance on this vehicle because that would be a waste of money. You need to get insurance that works for your individual needs. An insurance provider may try to sign you up for insurance that you don’t need, so if you want to save on your insurance, just get a policy that works for you. If you have a new car, you’ll need more coverage than someone who drives an old truck.
You’re only required to carry a minimum of coverage to operate a car legally in Ontario, and this is exclusively to protect against personal injury or damage caused to other people’s property. Third party liability coverage needs only to be in the amount of $200,000, but you may have trouble finding a company that will sell you that amount, since accident settlements can easily climb beyond this point. As a practical minimum, $1 million is the standard amount. Many insurers offer car insurance packages with this as standard third party coverage, along with a variety of other popular features and coverage amounts.
Raise Your Deductibles
A deductible is the amount you are obligated to pay in an at fault accident. If you have a $250 deductible, for example, you pay $250 in repairs before your insurer pays a dime. When your deductible is $1,000, the same applies. If you have $750 of damage, your insurance company pays nothing at all. While it seems that the low deductible is the way to go, you’ll pay for that privilege every month when you pay your car insurance bill. Raising your deductible will in turn lower your premiums. It’s up to you to choose the right balance.
Address Your Driving Record
If you can keep a good driving record, this will decrease your insurance costs the next time you purchase insurance. If you can keep this up for several years, you can substantially reduce your insurance costs because you’re seen as less of a liability to the insurance provider. You should check with your provider to see what sorts of discounts they give to drivers who maintain a good driving record over several years. This is the best way to reduce your costs, overall.
Explore Insurers’ Discounts
Using one insurance company for auto, home and life insurance may save you money on all three through promotional packages and discounts. Most insurance companies will offer you incentives to get more of your insurance business. Some offer loyalty discounts, though you should still compare your rates with other insurers. In some cases, insurance companies want you to remain loyal to paying their higher premiums.
Other discounts may be age or safe driving related. New drivers can get discounts for taking approved driver training programs, and young drivers can even qualify for rate reductions by maintaining high marks in school. Adding a telematics device in your car may add up to 10 percent in discounts immediately with further good driving rate reductions later.
Car insurance companies are about making profit. Obviously, they want to charge as much as they can and pay out as little as possible. However, customer service and competition being what it is, there is balance between the profit goals and the customer service aspects. While insurance companies offer discounts for various situations, they probably won’t be very vocal about announcing these to a driver who has been happily paying a non-discounted rate for some time. This underscores the need to ask. No reason to be embarrassed. It’s your money you’re protecting.
Returning to the Regular Insurance Market
As tickets and offences fall into the past, a driver qualifies again for auto insurance through regular insurance sources. An excellent way to check eligibility uses Ratelab’s car insurance calculator. Entering a driver’s information searches over 50 insurance providers in Ontario to recover the best rates for the desired coverage. If no regular company offers a policy, there will be no result but when offences expire, quotes appear. The driver receives the qualifying companies and the estimated prices for insurance.
Check your best opportunity today by entering your postal code below and completing the remaining information. Ratelab’s car insurance calculator will do the rest.
High Risk Auto Insurance in Canada: Everything You Need to Know
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High Risk Auto Insurance
There is a special category of insurance called high-risk auto insurance. This article was prepared using expertise of a certified auto insurance broker to inform Canadian drivers about this topic. We will discuss who is considered a high-risk driver, what premiums they pay, what companies offers insurance for “dangerous” drivers, and when one can stop being a high risk driver. If you are searching for a quote, here you can get a high-risk auto insurance quote.
High risk auto insurance: When do you need it?
Not all drivers are the same: some drive within speed limits and others consider the highway to be a racetrack. Some drive carefully, others rarely make use of blinkers and disregard any use of winter tires. This type of activity poses a greater risk to all drivers on a road.
Insurance companies consider high-risk drivers those who are more likely to get into an accident according to statistics. There are several aspects that can indicate a driver is a high-risk case, such as age, driving/ticket history, etc. Very often insurers will consider somebody to be a high-risk driver who fits to the following profile:
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– 2 or 3 tickets in the last years
Auto insurance itself is not cheap in Canada, with Ontario having the highest price, an average of $153/month. Getting high risk auto insurance will result in far more expensive insurance premiums. Our data come from Insurance Price Comparison Tool which is based on aggregated consumer data. It helps to compare your insurance premiums to the premiums paid by your peers.
High risk car insurance premiums: What should I expect?
Auto insurance costs vary significantly across Canada, depending on the province. On average drivers with 2 or less violations in the last 3 years will pay
25% more than someone without any violations. For example Auto insurance drivers in Ontario with extensive auto insurance coverage (including liability, collision, comprehensive damage, and increased accident benefits) pay on average $150/month whereas those who have a maximum of 2 violations in the last 3 years need to consider an average of $184/month meaning an increase of 23% for the same coverage.
In many cases the premiums of high risk auto insurance drivers can be doubled or even tripled depending on your driving history and other factors. Premiums also vary depending on if a driver already has insurance with a particular company or applies for a new policy with another company. Your existing company is more likely to simply push you to the higher level of premiums if you become a high-risk case. The requirements for a new policy are higher – insurers normally do not like high-risk drivers leaving a limited choice of companies for those who have bad driving records.
What insurers offer high risk auto insurance protection
As soon as you fall into the category of high-risk driver, many companies will refuse to insure you, especially if you decide to apply for a new policy at a different company. The companies that will insure you will do so at a higher premium. There are also some insurance companies specializing in high risk auto insurance, called specialty insurance companies. Here are some insurance companies that provide insurance for high-risk drivers:
- Jevco (Kingsway)
- Coachman Insurance
There is also an organization called Facility Association which is “funded by the private property and casualty insurance industry that makes insurance available to “higher risk” drivers who wouldn’t otherwise be able to get insurance”. This association does not issue insurance policies but works with specific insurance companies that issue policies and handle claims on its behalf.
Reducing your premiums as a high risk driver
You can become a safe driver again, if you change your driving behaviour and your risk profile improves. It takes 3 years for any tickets to come off your record. It takes longer to get rid of demerit points – here accidents will affect your driving record for up to 6 years. Also if you have a history of not paying your auto insurance premiums, it can impact your ability to get a policy and possibly the price you have to pay.
We hope you will avoid becoming a high-risk driver: it is safer for everybody on the road and helps out your wallet too. Drive safely!
InsurEye Inc. is a Canadian company that provides online tools for consumers to educate them about insurance and create transparency in insurance market place in Canada.
Insurance Price Comparison Tool is based on aggregated consumer data and helps to compare your insurance premiums to the premiums paid by your peers.
InsurEye Consumer Experience Tool is an independent platform for consumer insurance reviews. It covers most home, auto, and life insurers and their products across the country and is free for Canadians to use.
Auto Insurance Tips for High-Risk Drivers
If you are a high-risk driver you probably know it already, but many people don’t understand what earns them this title. Simply put, insurance companies rate drivers based on the probability that they will be involved in an accident for which the insurance company will have to pay out. The higher this likelihood, the higher the risk that driver presents to the insurance company. Drivers are rated on a variety of factors, and it can vary, but there are a few common reasons for being labelled high-risk. High-risk drivers can find ways to lower the cost of their premium, and may be able to find other ways to save on insurance.
What is a High-Risk Driver?
A high-risk driver is someone who, due to a combination of factors, presents a high likelihood of having an at-fault accident compared to the other drivers on the road. High-risk drivers usually have more than one factor that has led to this label. Some of these include being a new driver, having multiple tickets or accidents, or having a combination of tickets and accidents. Violations such as impaired driving and other serious infractions can quickly lead to a high-risk label.
High-risk drivers usually pay high insurance rates, and run the risk of non-renewal by their insurance company if additional risks factors are layered in to their already “risky” driving history—like getting [another] ticket. When the insurance company reviews your file for renewal, they may decide that the risk of insuring you is too high for them to take on, and you will receive a notice that you are not being offered a policy on renewal. At that point, as a high-risk driver, you do have some options.
Insurance for High Risk Drivers
It is not uncommon for standard insurance companies to refuse to provide a car insurance policy to a high-risk driver. Even if you have been with the same company for many years, the level of risk may lead to a non-renewal of the policy. When faced with the inability to qualify for a standard policy, high-risk drivers can turn to specialty auto insurance companies for coverage.
Today there are more choices than there once were for high-risk drivers to obtain high-risk car insurance coverage. A number of insurance companies have stepped up to fill the gap and help these drivers get back on the road. The goal of a high-risk insurance company is to help you regain your status as a low-risk driver and qualify for standard coverage once again. This means that they will offer you coverage while you improve your driving record.
It’s important that high-risk drivers take this seriously and focus on becoming safer drivers in order to get back to a low-risk status. Careful driving to avoid any type of infraction or accident is a must while on a high-risk policy.
Saving on High-Risk Insurance
By its nature, high-risk insurance costs more than a standard policy. Because the risk of a claim is higher, the insurance company must spread some of the risk and increase the cost of premiums. This does not mean there is no way to save on insurance if you are a high-risk driver; it’s just a little more difficult.
The number one way for a high-risk driver to save money is to shop around. Get as many car insurance quotes as you can; with many options in the high-risk market today, you can compare rates and look for the most competitive option. High-risk insurers exist to assist drivers who don’t qualify for standard rates, but they must still compete with each other for your business.
Stay on top of your rates, and make sure that all tickets and accidents that are no longer chargeable fall off at the appropriate time. In Ontario for example, tickets will stay on your driving record for three years, and at fault accidents for six years. Whenever there is a change, like a ticket or accident is no longer a factor, get quotes to compare rates and see if you can save. Eventually, rates from a standard insurance company will start to be on par with a high-risk, and then lower. Get back to a standard company as soon as you can. Because they insure more people, they can spread risk and generally offer better rates.
To see your rates drop, it’s important that you are careful not to get any more tickets or be involved in accidents. Drive carefully, and always compare rates with InsuranceHotline.com
We’ll help you save by searching over 30 insurance providers for your best rate.
Set a renewal reminder and we’ll let you know when it’s time to start shopping for savings.
Hi, I am not a high risk driver but I have a comment to make having lived in Europe for many years and here even more. My comment is one, you talking about “Shopping around” for car insurance to get better premium. My experience tells me that insurance industry in canada like cell phone and gas is just a cartel a kind of a Monopoly endorsed by the many many levels of governments and bureaucracy.
So Shopping around is just a waste of time unless you want to save say 50 dollars on the thousands you have to pay for a basic car insurance because this is maybe the difference you will notice if you shop around we are all filed in a main police computer and a main insurance computer no matter which insurance company is on the document the Big Control is One Big Insurance company that rules all.
thanks and Best Regards,
Another thing to remember is don’t report minor accidents to your insurance company when there is little or no payment made and there is no damage toyour vehicle. I learned the hard way when I reported 2 minor accidents to Motors Insurance where there was no payout on the first and only $50 on the second. I had not had a claim in the 22 years we were with them but they deemed me a high risk driver. They tought they were being very nice by offering to insure me with a susiduary at more than triple what I had been paying. So watch out if it is minor pay it yourself.
Thanks for your comment. In Canada each insurance company has different rules and rates for the same driving profile. Insurance companies base their rates on the amount of claims that they pay. You are correct in that your driving history (tickets & claims) are available for insurance companies to use, but that does not mean that you will pay the same with each insurance company. We have had many consumers contact us to let us know that they have in fact, saved hundreds of dollars by using our site to shop around.
I don’t think so but does your state have a Defensive Driving Course? It is usually 5 hours and covres stuff that you really should know already. Insurance rates usually go down when taken early. Ask. In NY It is given mostly by driving schools like triple A,etc.
I find the cost of motor insurance in Canada very expensive having held a full driving license for 31 years and a clean driving record I emigrated to Ontario 2 years ago and exchanged my UK license for a Canadian. One and I am now classes a new driver are there any company’s that take past experience into account?
There are no companies that I know of. Check with the Insurance Brokers Association of Ontario, the website is http://www.ibao.org – you might find a broker there to help you.
Thanks for sharing this post…keep the good works going…..
Thanks Wayne. I wish I knew a year ago not to call my insurance company after an accident in a snow storm. I did not claim anything but it went on my driving record and now my insurance company will not renew my insurance policy. Now I know why so many people prefer to work things out on their own, without involving insurance companies.
We can’t live without them and we can live with out them
we have to have insurance to drive but heaven help us if we need them.
I had an accident in 2009 and a second one in 2010, but with no claims. This year my insurance didn’t renew my policy, because I am a high risk driver. My question is: prior to my first accident in 2009 I hadn’t have an accident for 14 years, so why my rates weren’t ever reduced, but as soon I have 2 accidents they kick me out?I need help finding a new insurance, I can not afford to pay $600 per month. Anybody have any suggestions?
You would be best to shop around to see if you can find a lower price. You can also check with a broker specializing in “high risk” drivers. Easyway Insurance may be able to help you. Here is their website: http://www.easywayinsurance.ca/
Insurance is such a rip-off in this country.
I used to live in Quebec and that province has it together when it comes to car insurance. I pay $2000 a year just for collision on my 12 year old car and that should be illegal.
Insurance companies in Ontario are just one big scam on the consumer. They should be regulated and capped! I’ve tried to shop around and it makes a tiny difference compared to the grief of switching. Sites like these only exist to make you feel less ripped off. Its a joke on the consumer, almost identical to the price gouging of gas companies.
mmmm 600 a month would be nice lol
I had an accident in 2010 which resulted in a unsafe turn ticket. My insurance company sent me a letter that they weren’t going to insure me any more.i refused to pay that month because of it and they put me on record for cancellation for non payment.now I can’t get anything cheaper than $300 a month.iv had to wait cuz I’m a single mom and can’t afford $300 a month I have a car in my driveway I can’t drive until both my accident and my ticket comes off in march. I have had no insurance on a vehicle since January of last year. Where should I start to look in march?
Driver in ontario i have no accidents and no points because i have 3 minor traffic tickets im a high risk driver for the next three years and whats worse is i took them to court waited a year for my court dates and when i was finally convicted that is the date to which i must wait three years
Wow hat misunderstanding An accident even if nothing is paid is still an accident.The same driving error can result in a small amount of damge or a large claim depending on what you collide with.
You may never know damage caused. eg I was rearended years ago. I am suer thw person who hit me thought I had no damage at the scene. Repait to vehicle over $1000 Medial costs $10,000.
Also if you dont report a small claim and the Insurance Company discovers this you may now have a non disclosure on your record which means you are now a high risk driver.
In past expereince the Companies that deal with brokers are usually more flexable than the direct writers and internet only providers on this
Keep shopping around, as each insurance company charges different rates. Our consumers have saved an average of over $600 using our site. Thanks for your comments.
Try shopping around for car insurance on our site; your rate will be compared against over 30 insurance companies to give you the lowest rate.
Not sure if this thread is still active but a question for you…
Three years ago (coming up this fall) I was in an accident that resulted in a careless driving charge and I was immediately bumped up to a high-risk driver. Since then, because I couldn’t afford it, I have not been insured at all.
From research I had done at the time, I had planned to shop around for insurance again once the three year mark since the accident/charges passed (I read that that was how long the careless driving charge would affect your insurance rates).
However, from this article – it seems like the only way to get your “high-risk” status reduced is by keeping a clean record while driving insured. Have I misunderstood the way this works? What can I expect to see when I do shop around for insurance rates this fall?
Thanks so much!
Major offenses & accidents will remain on your record for 6 years, not 3. It is tickets and minor offenses that fall off after 3 years. Having a lapse in your insurance coverage will also likely increase your rate. You would be best to speak directly to an insurance professional to find out what your options are.
My Insurance company send me a letter that they are not renuing my insuance anymore coz of my accident 1 in 2008 and 1 in 2012. plus 2 speeding tickets .The problem here is my wife and my son is under my insurance.Both car is in my name.So I decided to transfer my car to my wife so they can get their insurance, Now they are the one who suffering for my problem.Our Insurance said that they cannot insured my wife and my son coz we are lived in one household.Is is the policy of every Insurance?to suffer other people.They are both had 4 star no tickets or any accident.please help us.
This is something that you should be taking up directly with your broker. You can also speak to your insurance ombudsman if you feel you wish to dispute or challenge anything regarding your policy. You broker should be able to present suitable options for you.
I’ve saved a lot of money from shopping around. After moving from one city to the another one right beside it my insurer wanted to raise my rates from $130 a month to $210 a month. Using this site, their competitors, and a few direct quotes from insurers I found one for $160 a month.
Cell phones are a bit trickier, you have to live in an area covered by WIND, and you have to give up voicemail. But you can pay as little as $6.66 to $20 a month if you go with them.
Gas has no alternatives to getting gouged every time you fill up, especially if you use 91 octane.
Use this site, and bundle your car insurance with property/rental insurance or your home insurance. When I was 24 years old my insurance company wanted over $300 a month, but I also got property insurance with them for $50 a month, so that enabled the multi-line discount which lowered my car insurance to $150.
I have one accident i was at fault I back in to a car that was too small to see in my truck and 2 speeding ticket one 10 over and one 5 over. yes I too have been dropped by my insurance can not renew. now i am a high risk .. it when up 300% I pay more in insurance than I paid for the car in 6 month and I drive a 2005
Unfortunately, Underwriting rules with most insurance companies are strict regarding non-payment of premiums. Push your bank for a letter proving that it was their error.
I am sorry but I think that only the high risk markets will insure you.
You may have to have a letter from your daughter’s insurance company stating that she is being charged for the accident on her policy before your insurance company removes it from yours.
When you make an agreement with another driver not to go through insurance there is not much that you can do if they make a claim. If they have your information it is likely that their insurance company will contact your insurance company.
It is likely the 4 yrs driving experience that is generating your premium.
in 2015 you will have 5 years experience and 0 tickets which should help reduce your rate.
Don’t forget to shop around too. check out http://www.insurancehotline.com.
not working im from new brunswick
I am considered a “high risk’, but not due to accidents, but rather my payment history. Had a continuous policy for over 3 years. When we finally got another car and policy, we hit hard times with job losses and weren’t able to keep up with our payments and our policy was cancelled for non-payment. In any case, I have had my policy cancelled for non-payment 3 times in the past 5 years. Now, I’ve had a few quotes and all are in the same area – and requires a large down payment and no monthly payment options (usually a “3-pay plan”).
Seems to me, based on the below comments, that good drivers who have had a policy with no accidents for years, are being considered a “high risk driver” after just one or two accidents. My conclusion is that the payout doesn’t matter – it there was a payout or not and the amount doesn’t matter. I believe the Insurance Companies are using this a profit-driving revenue. Driving record prior to accident doesn’t matter – they are classifying driver’s as “high risk” to generate more earnings. THIS NEEDS TO BE FEDERALLY REGULATED!
My guess is that if insurance costs were reasonable, there would less un-insured motorists on the road. Cars are increasingly becoming a necessity – buses don’t run like the TTC in every city and people have jobs they need to get to that buses don’t go to, or they don’t run if you’re working early/late or shift work.
My insurance policy was cancelled for non payment of one months premium in 2013. I had one at fault in 2012 on which no claims were made by either party. Anyhow, I’m unable to get insurance in the standard market. I’m based in Ottawa. Anyhow, still shopping around..
Anyhow, the company i was with previously sent me a HUGE form to fill out if I wanted insurance again with them/ I filled everything to the best of my ability. i stated everything truth fully- my atfault etc. The only thing I missed out was on the cancellation bit.. I stated that my policy was not renwed and didnt clearly state that my policy had been CANCELLED. They sent the form back stating I had misrepresented and that I need to fill out the information again. Does stuff like this stay on my record, would potential underwriters know about this. I understand it was a mistake on my part but It was not intentional or anything… Am i just being paranoid.
I’m based in Ottawa, have a G2. my plan is to write my G test this year in february and wait until april so that its three years since my at fault. would taking a drivers training course help lower my rates. I’m currrently being quoted anywhere between $275 to 300.
After reading some of the posts I believe that the insurance companies are exercising the letter of law to generate profits. I have been accident/claim free for 24 years. I have had 3 accidents in the past 3 three years & now am considered a high risk, I think it bad luck as 2 of the accidents I had no control over. One my wheel came off my car & I lost control, thankfully no injuries or others involved. The other a 20 car pile up in white conditions, I should have seen that coming, right!? So insurnace company decided not to renew after giving me insurance for 1 year with the accidents in place. Where’s the justification? Who’s protecting the consumer? Thanks to the government which says I am entiltled (obligated) to insurance as long as I can afford it & if I can’t I still have to pay regardless, thank you you’re kind!
Hi, I’m British and moved to the US in 2013. I drove for the first year on my UK license, as the local DMV told me that my UK license was legal for this duration. I then took my NY State license, which I am driving on now. My insurer has suddenly upped the cost of my auto insurance as they now class me as an “Amateur driver”, despite having been driving since 13 years ago. I have a no tickets on either my UK license or NY state driving license. Is there any way for my insurer to take into account my UK driving history, or is the clock now fully reset with no way around this?
I recently got behind on my insurance due to money problems and it lapsed, I went to pay it and they said I would have to apply for a new policy and when they put it through my rate more than doubled, they wanted $174 more a month just because of the 30 day lapse, I was with them for over 10 years with no claims and perfect driving record, I also had multiple discounts, I would understand a small surcharge for the hassle but that amount is simply outrageous, they consider me a high risk due to non payment. I would think they would be more concerned about my driving history then missing one payment. Needless to say I am in the process of switching insurance companies as they will not lower the rate which to me is a hassle as they are a good company. So make sure you do not lapse on your insurance as they have some ridiculous rules.
You still think they are a good company even though they’re doubling your rate for one missed payment.
I got offered 350 per month for my motorcycle and 600 for my car.. Guess I’m a high risk too woohoo I feel special
Are there ANY insurance companies that give motorcycle insurance to High Risk drivers? Please help
I had two accidents in less than 3 years apart. I am willing to stop driving, forget about car insurance as I will not waste my money for “high risk insurers” and take the Bus no matter how far my job location is. I want to keep my car, don’t want to sell it, as I am waiting for my sister to arrive and learn to drive. Now my question is, can I renew my licence even without insurance?
Another question: I was duped on my last accident by two repair shops. they obviously ripped off my insurance, by claiming too much, One shop claimed too much storage fees and I don’t know what else. The second shop, I actually saw my car with some parts being replaced. I had original photos, so those part on my car were not really damaged (minor, but still incurred costs). My question is: how do insurance companies rate the premiums? does it depends on the total cost of claim? thanks
I had been paying 1900 a month with jevco Insurace and lost my businesses last year so needless to say I couldn’t afford insurance anymore. Now that some tickets have come off no one but jevco will insure me because I had the non payments on my record. They still want to charge me 1500 a month and all up front!! I need to drive as I have 3 kids and use my car for work. Is there no company out there that can do better and insure be even though I had 3 non payments?
Idk how i got let off, totalled my new sports car, and they paid for it and renewed without raising rates @ 100 per month (with 1000$ deductible), i am 22
It’s incredible what people are doing for money.
Bi i dont think your license has anything to fo with insurance you can renew your license even if you didnt own a car lol
everyone here is so funny
you have accidents or tickets and you blame everyone else but yourselves. I have a perfect record and I feel no need to pay higher premiums because the insurance company chooses to insure high risk drivers. Best thing is for them to drop you completely, I cant agree with them more
I just recently gpt told by my insurance they wouldnt cover me cause of a collision i was in that i was deemed at fault. However when i went to court the xase got thrown out and the accident isnt on my drivers abstract. If i switch companies do i still need to make this collision aware or can i get by without mentioning it
If an accident is no longer on my record must i tell the insurance company?
Woah! Living the dream! So lucky they didn’t raise em
I didn’t know God commented on car insurance threads. Cool. Hey what’s up.
Cancel road accidents
Canceling road accidents is not Difficult to do because a similar system currently works in the agricultural sector.
Agricultural system is more complex than necessary to the traffic system.
So you can run the traffic system immediately.
I’m talking about using Precision Farming to Solve problems in Traffic.
Mathematical examination of the passage shows that the Precision traffic less complex than Precision Agriculture from the known rule that in the surface there are infinite lines.
The Precision traffic system educates and instills a driving culture.
Precision traffic system reduces the time length of learning to dimensions of months.
Form of education in the proposed system is similar to addition of endless of traffic policemen.
The system works on the basis of personal mentoring.
Any errant driver will be assigned a “policeman mentor”.
The policeman will be a virtual policeman but will be fully present.
“Big Brother Effect” will be treated thoroughly and virtual cop appears only when the driver goes to offense .
The privacy of citizens will be preserved carefully. Drivers driving according the law will not be recorded and will not be documented.
I have the unpleasant feeling that we can save thousands of people a year and do not rescuers.
That Related to thousands injured people and considerable financial losses.
Today it is possible to run a small order of tens of vehicles to demonstrate feasibility.
All the tools are exist but are not used.
The system will help to the police identify speeders and it will help law to enforcement and reducing vulnerability to life and property.
This understanding is the educational way that cause to drivers to not breaking the law and operate under the law and the roads conditions.
Precision Traffic based on Precision Farming provides a solution that includes all areas of driving and most important is education drivers.
Precision Traffic Can be used as a Driving Teacher, a Driving guide, as accompanied a driving, as a driving mentor, and policeman and judge . The report would be sent directly to the driver at the address listed at the DMV.
Unfortunately to keep a distance not sufficient a warning, the driver must slow down and increase the distance from the vehicle in front. Maintaining the appropriate distance depends on the will of the driver in another language and education.
No deterrence without punishment!
I’ll go to any place and to any forum to explain the proposed system and answer questions as needed.
New approach to traffic management and control of operational use will help the police to enforce traffic offenders and finding all kinds of traffic offenses, here are the details:
Infractions Car – himself:
1 – Not wearing a safety belt.
2 – Low pressure tires.
3 – Not lighting lights.
4 – And more.
Offenses car relation to road:
1 – Speeding.
2 – Failure to comply with a stop sign.
3 – Drive on the white line.
4 – Unauthorized traffic lane.
5 – Failure to comply with traffic lights.
6 – Driving on the traffic island.
7 – Driving on sidewalks.
8 – Stopping the car while interfering traffic flow.
9 – Integration not allowed.
10– Turning not follow the rules and laws.
11– And more.
Car relations offenses – Vehicles: (One to another).
1 – Not maintaining proper distance between vehicles.
2 – Dangerous bypass.
3 – Not to give right of way to integration.
4 – Overtaking on the right.
5 – Sudden stop in a busy road without probable cause.
6 – Hazardous integration to busy road.
7 – And more.
Car relations offenses – car to car and road:
1 – Bypass on crosswalk.
2 – Not being slow sign and give the right of way.
3 – Transition from lane to lane in a busy multi-track road
4 – And more.
1 – Directing traffic from busy roads to others.
2 – Warning drivers about traffic jams.
3 – Changing of traffic lights according to traffic volume.
4 – Learning behaviors and published global conclusions about
5 – Characterizing typical behaviors and adapting the
6 – Study load transportation and disposal conclusions
My thanks in advance for any help in promoting the subject.
OUR COMPANY CAR WAS HIT IN THE PARKING AREA AT NIGHT TIME AND WE JUST KNEW IT THE MORNING WHEN WE ARE ABOUT TO GO OUT…WE SUBMIT THIS TO POLICE AND THEY MADE ALREADY ALL THE NECESSARY PAPER FOR INSURANCE… CAR ” FULL INSURANCE POLICY” SO NOTHING TO WORRY…BUT WHEN WE GO AND SUBMIT THE PAPERS TO INSURANCE COMPANY THEY ARE ASKING 1,500 AED FOR FIXING THE DAMAGES OF OUR CAR. wHAT IS THIS? PLEASE ,SOMEBODY HELP ME?
My friend had an accident on my car and my insurance rate went up so how long this record will haunt me ? It’s in insurance record not on my drivers license .
Shopping around has saved me thousands in premiums in Ontario. It’s the only way to get a better rate. If you stay with the same company they will raise your rates every year. Some reward for clean diving?
my son is a high risk he is 22 and he rolled over his new 2015 mazda they they gave him another new car and raised his ins to 680 $ p/month and then cam renewal and they said hes cut off not renewable and now hes got no insurance and we have a new mazda parked in garage cant drive that he still needs to make payments on… how is this right by any means .. signed extreamly pist mama bear!
Did u find and insurance that can help u with a monthly payment even though u missed payment
Very informative article.
Hi, i am 24 turning 25 in october. Last year on march 30th,2017 while driving with my g2 i was stopped for high beams and ended up getting just a ticket for novice driver with BAC over zero, i had a half a beer in the console that i was drinking before i got in the car. Because i was 23 and novice driver my license was suspended for 24hrs. Prior to that in my first day driving to school with the car i got pulled over and got a ticket doing 50 in a 40 zone that was in november 2016. Since the march 30th incident nothing.
Any suggestions on an insurance company?? and what do you think i will be looking at as far as a quote. i got a 2005 honda accord i have been driving under my moms insurance since i got my g2 which was november 2016
I’m in the same boat.. my insurance company calls me high risk because i missed a payment and i may seek legal services because that makes no sense to be as i am barred from every standard insurance company because of this.. it’s very injustice when one insurance company can do that to a person. Will what the outcome is as if i win my case i may sue them for defamation..