Im a High Risk Driver per the Insurance Comp.

[feet_]

Just wondering when that label is removed from my file.

So i can enjoy paying a normal amount. not $200/month

31 yrs old

5 yrs since last ticket.

Whens my driving record get wiped clean??

[MrDisco]

have you called and asked your insurance company these questions? :confused:

[JohnnyABC]

What type of car?

[commie]

Just wondering when that label is removed from my file.

So i can enjoy paying a normal amount. not $200/month

31 yrs old

5 yrs since last ticket.

Whens my driving record get wiped clean??

What car do you drive? $200/month is not exactly too outrageously high...or 'high risk'...

Ask someone who is under 25 and see what they pay...now that is high.

[dtcanada]

$200/month is not that high...well..it also depends on what kind of car u drive and where u live...my dad...who has a prefect record for the last 12 years and he is 52 years old...he still have to pay $180 for the Avalon and $120 for the Corolla...we are in Toronto btw...

my 22 years old friend with a coupe Mustang on the other hand...pays $800 per month...now...that's HIGH

[teknoluv]

Yes, it depends VERY MUCH on your car type, go for a "sedan" and don't switch car every year.

[thelefteyeguy]

thats not high risk... :|

i pay more than $300 a month...I'M high risk.

(sounds like im proud of it :lol: )

2 at faults in 2000 and 2001....knock on wood nothing since then.

[feet_]

uhhh,

1998 Acura EL 4dr.

31yrs old.

when s my driving record get wiped clean.
7yrs
5 yrs
never??

[feet_]

oh ya also

my last "Claim" was when i put my car in the ditch, in the winter 2000
i called the insurance, to let them know i went into a ditch
and a tow truck had to pull it out.

Car ran fine, snow cushioned the impact.

NO claim was made.
but its on my record now.

so that bumped me up into the high risk.

Then my insurance company goes out of bizness (prudential)

right before i tried to fight it.

been paying for it ever since.

[belgiangenius]

oh ya also

my last "Claim" was when i put my car in the ditch, in the winter 2000
i called the insurance, to let them know i went into a ditch
and a tow truck had to pull it out.

Car ran fine, snow cushioned the impact.

NO claim was made.
but its on my record now.

so that bumped me up into the high risk.

Then my insurance company goes out of bizness (prudential)

right before i tried to fight it.

been paying for it ever since.


You broke the premiere rule. Don't ever tell the insurance company anything.

If you have a good broker, he holds onto that information and never informs the insurance co. until a claim is actually filed.

[gilboman]

200/month is not high risk at all, not even close.

claims get wiped off our record after 7yrs. so if you reported you in a ditch...i'm guessing 2007 is when ur record will clear.

[feet_]

oh i know now.

i never talk to them, unless i have to.

i learned the hard way.

7yrs woho 1 more year, here i come subaru sti!!!

[thelefteyeguy]

oh i know now.

i never talk to them, unless i have to.

i learned the hard way.

7yrs woho 1 more year, here i come subaru sti!!!

lol you can afford a 50K car but not 2400$ for a year on insurance :lol:

[Bazooka Joe]

Even with a "perfect" driving record, I'd imagine you'll find the STI a little higher than $200/month. A few years ago the WRX was the most stolen car in Canada, hence it had one of the highest insurance rates. Don't know what the current stats are now though.

Sure is a sweet car though (I dream of owning one some day)

[feet_]

im only dreaming...

actually my buddy has a 05 sti.
he had a 98 jetta, his insurance only went up $20 a month

[Bullseye]

With my insurer (RBC Direct), one at fault knocks you down from 6 star to 5 star (assuming a good established record beforehand), but the second at fault drops you to zero stars. You'll have the zero until five years after the first one, then your rating will go up one star per clean year afterwards. This means that your rating can be impacted for nearly ten years by one at fault claim.

Not sure if other insurers are the same.

[feet_]

is there any links where i can retrieve my driving record or star rating??

[Bullseye]

is there any links where i can retrieve my driving record or star rating??

No, ratings are based on your insurer, you'd have to call them and ask. Driving record is available at Ministry, but is irrelevant to this discussion.

[thelefteyeguy]

With my insurer (RBC Direct), one at fault knocks you down from 6 star to 5 star (assuming a good established record beforehand), but the second at fault drops you to zero stars. You'll have the zero until five years after the first one, then your rating will go up one star per clean year afterwards. This means that your rating can be impacted for nearly ten years by one at fault claim.

Not sure if other insurers are the same.

not all insurers have this system

[NLI10D]

the 7 year rule, how does it work? do you have to be insured for 7 years before it gets wipe or does it get wipe after 7 years regardless whether you have or dont have insurance?

[Sandrasagra]

$200 aint bad,

I pay $260/month for a grand am