Figuring Out Car Insurance Rates
Wezoin
Registered User regular
Registered User regular
I'm currently in the market for a used car. Bassically, I've been looking at a few, and found some I like.
The ones I tend to like are on the upper end of my budget (Figures.) Anyway, in order to make sure I can afford to insure it/make the best choice financially, I'd like to check out how they rank in terms of insurance prices. I'm not looking to get an exact, or even remote quote, since I understand that the majority of the price has to do with the driver rather than the car, but I'd like to see which ones are more expensive than others.
Is there a website that does this? (I can't seem to find one, and have been looking for the past few days)
If I were to call an insurance company do you think they would be likely to tell me such things? (Like if I said, "I'm looking at a _______, a ________, or a _________. Where do they fit in in terms of insurance rates?")
I've tried some of the "Get A Free Online Quote!" things, but none of them seem to be able to handle my data and they insist that I print off a form and mail it to them, which seems kind of silly to do for multiple cars since I'm still just trying to get a bearing of which would be cheaper.
The ones I tend to like are on the upper end of my budget (Figures.) Anyway, in order to make sure I can afford to insure it/make the best choice financially, I'd like to check out how they rank in terms of insurance prices. I'm not looking to get an exact, or even remote quote, since I understand that the majority of the price has to do with the driver rather than the car, but I'd like to see which ones are more expensive than others.
Is there a website that does this? (I can't seem to find one, and have been looking for the past few days)
If I were to call an insurance company do you think they would be likely to tell me such things? (Like if I said, "I'm looking at a _______, a ________, or a _________. Where do they fit in in terms of insurance rates?")
I've tried some of the "Get A Free Online Quote!" things, but none of them seem to be able to handle my data and they insist that I print off a form and mail it to them, which seems kind of silly to do for multiple cars since I'm still just trying to get a bearing of which would be cheaper.
Wezoin on
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You can also start calling insurance companies and comparing rates, but that tends to be a little more involved. They might pull your credit, they might pull your driving record, etc. What you might want to do if you're willing to go through that is pick a car, quote it at a few places to find the rate you like, then quote the other cars through that same company.
If not, yeah, calling should be able to tell you the info.
$500+ is the absolute lowest insurance I could get according to this...
OUCH.
That's 6 months, right?
How old are you btw? If you're under 25, it's pretty much a given that it's going to be in the 500+ range no matter what car you have, where you live, or have a spotless record (obviously it'll be higher if not), I couldn't get anything under 500 with a clean record plus a student discount and a discount through a society i'm a member of
No. Thats per month. I figured an old (at least, fairly old) 1998 Land Rover wouldn't be too bad. I'm 18, although I guess just having my G2 is screwing me over, since when I entered it with a G it came up at about $286 a month. I have a spotless record, and I have over the requirements for all the student discounts. I should mention thats CAD, btw.
I'm also gonna check out a couple little cars as well, but damn I really liked the idea of driving around a tank.
EDIT: I meant because it's only a $4000 car. Although, a $1000 hyundai sonata would apparently cost the same. I dont think this Kanetix (the canadian part of Esurance) actually works... hmmm.
Ha wow, there's you're problem. For one, you're in Canada. Not sure which province, but if it's Ontario or BC, you're screwed right off the get-go. Secondly, you're in one of the worst brackets possible for vehicle insurance; you're a male, under 25, with a sub-G license. Finally, you're aiming for a large vehicle - insurance companies don't like the idea of a young, inexperienced driver having a large, unwieldy vehicle to themselves.
About the large vehicle thing, it's actually kinda funny since the first car I was driving was a big van, and then when I moved to my little Ford Fusion the price actually went up $20 per month (these were my parents cars btw)
And yes, I'm in Ontario. Why's it worse for them?
Was it a 2-door Fusion for some reason? That'll raise the rates a fair bit, particularly as a new/underage driver. If not, well...insurance companies use really complicated, strange ways of deciding what kind of rate to give out sometimes.
Ontario and BC tend to be the worst, from what I've noticed. The exact reasons are hard to peg down, but I would guess that it's because of the denser population and higher percentage of city driving. It's the sole reason that up until just recently, after moving to the Northwest Territories, that I was unable to afford to drive. The insurance was always the most expensive part of driving.