I just moved to Vancouver, BC and I'm in shock because of how high insurance is up here. I moved here from Virginia and my previous driving records do not transfer so I am basically starting over. It would cost me $350 a month throught ICBC...and that's just for me to drive 6 days a month. Are there any other companies in BC that are cheaper?? What do BC residents usually pay? My car is still at my parents house in VA and I would hate for it to stay there and not be driven. I might end up selling it if I can't drive it anymore.

 

I just moved from BC,you travelled a long way,what brought you to BC? anyways you have to find a way to transfer your records,get ahold of your old insurance company or something

 

You can thank people like Ryan for your high ass insurance rates. Sorry to hear it man.

 

It costs me $158 a month and that is with a 43% discount which is the highest you can get. I am also 40 so age isn't a factor. There isn't any other way to insure you car other than ICBC. If there were private insurers I would think the rates may even be steeper. I may be mistaken but I believe Toronto's rates are higher.

 

yeah with a 40% discount i'm paying $197 a month for a 2006 cobalt ss/na with all optional insurance. However, I believe if you may be able to get private insurance for your optional insurance (ie. thru Canadian Direct) if you meet certain qualifications (ie. age, years of driving, # of accidents).

Good luck.

 

mine with a 40% discount is 130 a month adn thats full coverage with 3 million liability.
road star FTW!

 

mine with 30% discount(ran a civic over with the rig)LOL is 190 month with everything

 

hehe i love Pa...well my insurance company at least

my record
2 totaled cars
i think i have 4 points right now (6 you loose licence)
1 fender bender
20years old
on my own policy
no discounts
2006 cobalt ls

$150month full coverage $500 deductable

 

You have to have Icbc insurance but if you go with only $250,000 Third party Liability you can get Collision and Comprehensive etc. through ING, Canadian Northern SHield, Canadian Direct INsurance, Lombard etc. There is a ton of them but you HAVE to start with ICBC. You can't insure a car in BC without it. I used to work in the replacement car industry (car rental). Look into it can be worthwhile.

 

Your that old???
Rates also change from area to area of the province, even the lower mainland.
I pay $117. for complete coverage and roadstar.
Another reason for the differences in rates is how the replacement coverage is done. I put my replacement cost on the purchase price of the car (0% financing) because ICBC really hits you hard in year two and three.

 

The rates seem lower in the area where your sister is your mother and sleeping with first cousins is recommended.

 

WTF

 

It means he's a hillbilly.

 

Hey!!! I resemble that remark.

 

Do you have yours under a business setup? $40 a month is a big difference just by 15 miles or so away. Or is it bare bones white knuckle insurance?

 

you guys will like this its only an exta 60 bucks a month to run a second vehicle out here and thats double good cause my insurance is 50 bucks cheaper here

 

Personal, pleasure, no worky, $1mil liability, $300. deductible, road star but my replacement cost was added to the car loan.

Great rates Mike

 

I have the replacement cost thing but I think it is like $10-12 a month extra. You must get the inbred community discount.

And Mike I am sure with you terrorizing the province with your Lower Mainland type driving, you will drive the rates up.

 

all of the country has better drivers than Richmond has.LOL they just drive/merge real slow here

 

Actually, my lower rate is because I am cuter than you.

 

Illusions of granduer. Well if your going to aim high you might as well aim for the top.

 

well that's not good because that is actually where I am going to school. I'm going to Kwantlen. have you heard of it?

 

Used to live by it,Richmond are known as the worst drivers in North America,alot of them are driving illegally and many have international licences from far east.

 

Hey shut Mike..... Richmond representin'!

They're not bad drivers, they're just crazy drivers haha.

Well since you're going to Kwantlen we'll have to get together for coffee, I can see the school by standing on the roof of my house.