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Thread: How much insurance do you have, and how much do you pay?

  1. #21
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    Quote Originally Posted by MetroMPG View Post
    I usually compare rates every other year or so. I've used insurancehotline . com in the past several times. It doesnt cover ALL companies that serve Ontario, but I've switched several times for better rates as a result of quotes I've gotten there.
    I've used insurancehotline. Kanetix is really good too. Car insurance is so much easier than house insurance.



  2. #22
    Senior Member dspace9's Avatar
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    I have mentioned this before, I am always curious what the insurance rates is for other people for their Mirages. I know that since I switched to sonet insurance, I pay under $70 a month for my Mirage now. I have pretty minimum coverage because my Mirage's street value isn't worth the deductible practically.

    Nissan sedans are more popular in the USA for sure. Canada would probably be 2 of the top 3 trucks? At least that what it feels like at the Timmies drive through.

        __________________________________________

        click to view fuel log View my fuel log 2014 Mirage ES 1.2 manual: 42.2 mpg (US) ... 17.9 km/L ... 5.6 L/100 km ... 50.7 mpg (Imp)


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    Quote Originally Posted by dspace9 View Post
    I have mentioned this before, I am always curious what the insurance rates is for other people for their Mirages. I know that since I switched to sonet insurance, I pay under $70 a month for my Mirage now. I have pretty minimum coverage because my Mirage's street value isn't worth the deductible practically.
    Looks like I'm at $58/mo with Geico. 40+, never an accident, comp/collision at $1k deductible. I'm at $250k/$500k bodily injury, and $100k property. That's with a second car discount for my wife's 2010 Accent.

        __________________________________________

        click to view fuel log View my fuel log 2015 Mirage ES 1.2 manual: 44.1 mpg (US) ... 18.7 km/L ... 5.3 L/100 km ... 52.9 mpg (Imp)


  4. #24
    Still Plays With Cars Loren's Avatar
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    My Mirage is by far the most expensive car that I insure. I buy my insurance every 6 months, so:

    1990 Miata = $106 (liability only)
    1999 Miata = $122 (liability only)
    2015 Miata = $192 (full coverage with rental coverage)
    2015 Mirage = $313 (full coverage, no rental)

    That's for 53-year-old me with obviously multi-car discounts, long-time customer discounts, no-claim discounts, etc. My wife does have a 20% "snapshot" discount on her car (the 2015 Miata).

    I should probably drop the full coverage on the Mirage since it's paid for and probably only worth about $5k, but that only accounts for $16 (comp) and $38 (collision).
    Simplify and add lightness.

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    Senior Member dspace9's Avatar
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    Quote Originally Posted by Loren View Post
    My Mirage is by far the most expensive car that I insure. I buy my insurance every 6 months, so:

    1990 Miata = $106 (liability only)
    1999 Miata = $122 (liability only)
    2015 Miata = $192 (full coverage with rental coverage)
    2015 Mirage = $313 (full coverage, no rental)

    That's for 53-year-old me with obviously multi-car discounts, long-time customer discounts, no-claim discounts, etc. My wife does have a 20% "snapshot" discount on her car (the 2015 Miata).

    I should probably drop the full coverage on the Mirage since it's paid for and probably only worth about $5k, but that only accounts for $16 (comp) and $38 (collision).
    I was looking into my insurance policy after I put on the winter tire discount, I guess one's rate can change too when the car is paid off, versus a lien on it still. I hope I can shave off a bit more on my insurance cost in a few months when my Mirage is paid off finally.

    You love your Miata's eh!? I always liked them as well, my parents friends bought a yellow one brand new in 1990, sharp then and sharp now I'm sure.

        __________________________________________

        click to view fuel log View my fuel log 2014 Mirage ES 1.2 manual: 42.2 mpg (US) ... 17.9 km/L ... 5.6 L/100 km ... 50.7 mpg (Imp)


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    Still Plays With Cars Loren's Avatar
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    The '90 is temporary. It was one of those "too good to pass up" deals, and my son wants it. So, I bought it, doing some mechanical work on it, then selling it to him.

    But, yeah, I've been a Miata fan for years. My '99 is my current toy. The 2015 is my wife's daily driver... but, she's been working from home since March.
    Simplify and add lightness.

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    Quote Originally Posted by Loren View Post
    My Mirage is by far the most expensive car that I insure. I buy my insurance every 6 months, so:

    1990 Miata = $106 (liability only)
    1999 Miata = $122 (liability only)
    2015 Miata = $192 (full coverage with rental coverage)
    2015 Mirage = $313 (full coverage, no rental)

    That's for 53-year-old me with obviously multi-car discounts, long-time customer discounts, no-claim discounts, etc. My wife does have a 20% "snapshot" discount on her car (the 2015 Miata).

    I should probably drop the full coverage on the Mirage since it's paid for and probably only worth about $5k, but that only accounts for $16 (comp) and $38 (collision).
    Looks like you and I are in basically the same boat except I'm 8 years older. Both my '97 and '02 Escort insurance is about $125-$135 every 6 months for liability and the '16 Versa is about $350. for collision, comprehensive, and liability. I'm probably going to drop the collision/comprehensive on the Versa when the insurance comes due again in April. If the collision/comprehensive were only costing me $108./year as in your case I'd probably keep it on the Versa for another year or two but in my case the majority of the premium is associated with collision/comprehensive. My biggest concern with dropping collision/comprehensive is the possibility of hitting a deer (lots of them in this area) or having a hail storm.

  8. #28
    Senior Member Dirk Diggler's Avatar
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    I pay $80 a month with Allstate, including road side service. Not a great price but not bad for just basic liability.

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    Quote Originally Posted by Fummins View Post
    I don't know what coverage I put on the black car, I told them I don't want collision or comprehensive. It's still $77/month(925/year) that's with 5 vehicles insured with the same company and the house too. With belair direct. I haven't shopped around in years, they were cheaper than my old broker 3 years ago and they're open on weekends.
    I have comprehensive on the white car(fire,theft and vandalism). Why I don't know, but it's only $50 more a year.
    I have what I consider full coverage with some deductibles on my two vehicles.
    medical payments per person
    uninsured motorists/underinsured motorists both at $250,000/person & 500,000/accident
    comprehensive with $250 deductible
    collision with $500 deductible
    liability (bodily injury $250,000/person & $500,000/accident) (property damage $100,000/accident)

    I pay
    2011 Subaru Forester = $450/year = approximately $37.50/month
    2017 Mitsubishi Mirage = $595/year = approximately 50/month

    I should probably add a $1-5 million umbrella policy to all this. I used to have one, & I should do that again. They aren't that expensive, & they will cover legal costs.

    Since I bought my Mirage in 2017, 90% of my mileage has been with it. My Forester has less than 10,000 miles on its current replacement engine (compliments of a class action oil consumption lawsuit against Subaru). My Forester is still in very nice shape. Manual transmission & relatively new engine gives me no reason to replace it.

    Not having vehicle payments is always a plus!
    Last edited by Mark; 02-02-2021 at 06:58 AM.

  10. #30
    Senior Member Clessy's Avatar
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    2010 SUZUKI KIZASHI$119.20 ($19.87 /mo)
    2008 MTSBSHI ECLIPSE GT$108.50 ($18.08 /mo)
    1997 MTSBSHI MIRAGE DE$100.70 ($16.78 /mo)
    2017 MTSBSHI MIRAGE SE$395.00 ($65.83 /mo)

    Bodily Injury Liability$30,000/$60,000
    Property Damage Liability$25,000
    Uninsured Motorist Bodily Injury/Uninsured Motorist Bodily Injury$30,000/$60,000
    Uninsured Motorist Property Damage$25,000

    Other Than Collision (Comprehensive)$50 Ded.
    Collision$250 Ded.
    Towing and LaborI Accept this coverage
    Extended Transportation Expenses$30/Day, $900Max

    It could be cheaper but, I really love my 50 dollar deductible. It means when something happens I dont have to debate if I want to use my insurance or not. I always use it.



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