Car Insurance?

[Kaisa]

I am freaking out.
We just bought a van last week, dropped off the cheque for first and last months insurance to our agent. It was $275 a month (DH has a horrible record).
We just got a bill from the insurance company that it is actually $310 per month and we need to get the difference for the first and last.
I am freaking out, we could barely afford the $275, let alone $310. I just want to cry. I am pissed off because we priced out the insurance before we bought the van and should of been told the right amount.

Who should I call to get quotes? We had called another broker and were told we weren't going to find it much cheaper. Any suggestions?? I tried Kanetix.ca and the only one that came up was the same amount.

This sucks.

[SweetyPi]

Did you sign any paperwork? Anything that binds you to this insurance company. I'd be pissed more then anything. I normally go online to look for brokers and then make phone calls from there. I know I can recommend State Farm, All state, Belairdirect, and May-McConville and one's I've dealt with personally. Good luck.. I'd be raising Holy Hell for being misled.

[BabyLove]

Try to get a multi discount with whomever you have your house insurance with. I use State Farm.

Try this site as well.
http://www.myinsuranceshopper.ca/default.aspx

Good luck. Nobody needs those kind of surprises ever!

[Tanya-Mae]

I use just renewed my insurance. I deal with PC Financial. Be sure to review the terms of your policy and cancel out any servises/coverages you do not need. I just did that. I took out the commute and reduced my bill by $20. My policy originally stated 10km commute to work... I am a stay-at-home mom.

[Leigh]

belair direct is super cheap- but it takes like 21 days.

'We're with State Farm- probably not the cheapest- but the cheapest for our situation at the time we got them.

[cmhellcat28]

I use scotica bank it seemed to be really cheap maybe try some of the banks.

[Kaisa]

belair direct is super cheap- but it takes like 21 days.

'We're with State Farm- probably not the cheapest- but the cheapest for our situation at the time we got them.

Just got off the phone with Belair, they are $350 a month.

[Leigh]

gah that sucks Kaisa

[JETT]

Keep calling around but beware you'll have to pay a cancellation fee if you cancel the current $310 policy. Unless you call your broker/company and explain that you can't afford that much and you don't want to accept it - maybe that would void any cancellation fee.

Good luck!

[/wasn't me/]

try johnson, try td melloche monnex, and I figured out that brokers aren't always cheaper. I'll private message you as well.

[Tanya-Mae]

Depending on the policy terms you might have a window of time that you can cancell without penalty or change your terms to lower the premium. It's worth checking out. Some places have a 30day period... mind you these places were ones I had called for a quote and would potentially be contracting into a new policy rather than renewing a pre-existing one. As already stated, I deal with PC. Years ago they were by far the cheapest for me. My policy just came up on March 2nd and I got a severe case of sticker shock when they sent me my new policy. The premium went up from $140ish to $180ish. I had an at fault accident in 2007 that PC gave me partial forgiveness for. Horrified, I shopped around and learned there is a general 30% rate increase across the board this year. Belaire was comparable to PC for premium...a few dollars more. I chose to stick with PC and worked to lower my premium instead of starting fresh elsewhere.. primarily to build my customer loyalty. Removing the “commute“ did drop my rate by $20/mth.

[DMC2008]

TD or Intact - you can get quotes from both online. Or try a mutual, they are generally cheaper.

[Kaisa]

Keep calling around but beware you'll have to pay a cancellation fee if you cancel the current $310 policy. Unless you call your broker/company and explain that you can't afford that much and you don't want to accept it - maybe that would void any cancellation fee.

Good luck!

They said they won't charge me to cancel. They will only charge me for the days I used... Thank goodness! It will take a week or two to get the refund (we paid last months too).

Depending on the policy terms you might have a window of time that you can cancell without penalty or change your terms to lower the premium. It's worth checking out. Some places have a 30day period... mind you these places were ones I had called for a quote and would potentially be contracting into a new policy rather than renewing a pre-existing one. As already stated, I deal with PC. Years ago they were by far the cheapest for me. My policy just came up on March 2nd and I got a severe case of sticker shock when they sent me my new policy. The premium went up from $140ish to $180ish. I had an at fault accident in 2007 that PC gave me partial forgiveness for. Horrified, I shopped around and learned there is a general 30% rate increase across the board this year. Belaire was comparable to PC for premium...a few dollars more. I chose to stick with PC and worked to lower my premium instead of starting fresh elsewhere.. primarily to build my customer loyalty. Removing the “commute“ did drop my rate by $20/mth.

PC wouldn't give me a quote online, in my experience that means they will either not insure me or charge a whole lot. That's what happened with Belair.

TD or Intact - you can get quotes from both online. Or try a mutual, they are generally cheaper.

Mutual is who we were with for 10 years and they wouldn't renew us this year.

[K'sMum]

bah that sucks!!!!!!!! car ins sucks...

mine is very high (almost as high as when i started driving), after buying our crossover in aug... and i am a 9* driver and been insured for years and years lol...

[Mom2my2]

Have you found somewhere yet?