How Much Car Insurance U Pay...?


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Mohanjeet   
Member since: Feb 04
Posts: 281
Location: Brampton

Post ID: #PID Posted on: 11-01-05 12:07:45

Actually no insurance company tells you how much "penalty" you have to pay if cancel the insurance mid-term. You have to ask specifically how much the penalty will be, they do not tell on their own. Sometimes you may not get an exact answer to that also as they will say after you cancel the policy, the data will be fed into computer and computer will calculate the penalty amount. Usually they should be able to give a range in dollar amount. Policy is usually for 1 year and if you cancel before that period, you have to pay penalty.




I had asked specifically and was told roughly 40 dollors which they now say is actually 20 dollors but what abou last payment ....?

Last year i switched from ING Halifax as they had hiked the premium so i cancelled in between the term and they only needed a proof that i do have policy from another company and thats it no tricks i got the refund of my last payment in 5 days .



rajcanada   
Member since: Jul 03
Posts: 2713
Location: Kitchener, ON

Post ID: #PID Posted on: 11-01-05 14:34:05

Quote:

I had asked specifically and was told roughly 40 dollors which they now say is actually 20 dollors but what abou last payment ....?

Last year i switched from ING Halifax as they had hiked the premium so i cancelled in between the term and they only needed a proof that i do have policy from another company and thats it no tricks i got the refund of my last payment in 5 days .




I think you will have to find out from the insurance call centre. May be the penalty is $160+$20=$180 for cancelling midterm. They already have your $160 and aksing for $20 more. Actually cancellation charges would depend from case to case. You were with TD for 5 months. It appears from your post that you were with ING Halifax for more than a year. May be that makes a difference too..


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sahib98   
Member since: Dec 03
Posts: 126
Location: .

Post ID: #PID Posted on: 11-01-05 19:34:51

I paid US $52.00 for a 1990 Honda Civic a month from GIECO.
When i came to Canada i decided to ride the bus after seeing how they rip off on insurance here. Now i spend CN $80.00 a month on my bus pass.
Canadian auto insurance need competitors from the US to enter the market.



Mohanjeet   
Member since: Feb 04
Posts: 281
Location: Brampton

Post ID: #PID Posted on: 11-01-05 19:51:04

Quote:
Orginally posted by sahib98

I paid US $52.00 for a 1990 Honda Civic a month from GIECO.
When i came to Canada i decided to ride the bus after seeing how they rip off on insurance here. Now i spend CN $80.00 a month on my bus pass.
Canadian auto insurance need competitors from the US to enter the market.



Can u pls name some of other insurance co in states as i plan to move to us in near future .



sahib98   
Member since: Dec 03
Posts: 126
Location: .

Post ID: #PID Posted on: 11-01-05 20:22:21

I had shopped around and found Gieco the cheapest. Their customer service is very good. They also mailed me a letter of good standing saying how long i was with them when i told them i was moving to Canada.
1-800-861-8380 /
Progressive is another auto insurance company that offers competitive rate.1-800-PROGRESSIVE
Check with GMAC, ALLSTATE, AAA, Liberty Mutual, 21st Century,
Depending where you will be living in the US. NY may be more expensive than Florida.



arifhooda1   
Member since: Aug 04
Posts: 1
Location: North York

Post ID: #PID Posted on: 20-01-05 17:31:40

i got 2 yr driving experience in toronto but still paying such a high insurance. anybody can refer to cheap insurance please.

thanks



Mohanjeet   
Member since: Feb 04
Posts: 281
Location: Brampton

Post ID: #PID Posted on: 20-01-05 19:54:57

Quote:
Orginally posted by arifhooda1

i got 2 yr driving experience in toronto but still paying such a high insurance. anybody can refer to cheap insurance please.

thanks



Try RBC i think cheapest at prsent.




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