FocusCanada Forums

wht is the canadian car insurance like? can u do what ever you want to your car and its the same insurance or do u pay for what u do so u pay extra on wheels / bodykits power etc?

FocusUK,Jan 18 2006, 11:59 AM Wrote:wht is the canadian car insurance like? can u do what ever you want to your car and its the same insurance or do u pay for what u do so u pay extra on wheels / bodykits power etc?
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Me, my car insurance needed to know if I modified it. They took picture and everything. And my insurace a little bit higher because of it. Because everything that is aftermarker will be more expensive...that's what my insurance told me.

I declared everything had it appraised and came up with an agreed replacement value. It cost me just under $1000 per month while it was on the road. My car was a few steps above your average tuner.

I now have a more powerful stock car and pay $106 per month.

Albertans are raped. Private insurance companies.

I'm a girl, I'm 21, I had one accident in October, no tickets on my insurance, and the insurance company doesn't know of my modifications. I pay approx $4000/year, that's $334/month. I can't imagine what it will jump to when I tell them of my modifications, since I have now installed a body kit.

Before my accident, I still paid approx $2800/year, that's $235/month.

And not all aftermarket parts are more expensive than OEM. My OEM front bumper is $590, and my aftermarket front bumper is closer to $400. But, my OEM hood is $465, and my aftermarket hood is closer to $650 (mind you, my hood is CF).

2001 Focus sedan: $1,359/year
2004 WRX wagon: $1,592/year

really depends on what province you live in, in Sask my car cost $91.00 a month for plates and i think about 500.00 for additional insurance.

i thought it would be alot less for the canada guess not :|

$6800/yr for me.

I have one ticket. Without the ticket I was quoted at $3300/yr.

Edit: I'm 21 and a guy. So I get raped from the start. And I drive a '99 Impreza 2-door, no longer my Dads Focus.

Edit2: My quote on a Focus ZX3/5 was $4400/yr so the Suby is cheaper to insure.

Edit3: That's liability only....

Focus & Justy= $1100.00 /year

25 YO

Zx3= 4800$/year with 4 tickets!

19 years old

just got quoted last week for $1650/yr on '02 zx3 (that's with 5km each way to work, and 5% discount cuz i have house insurance with them). they asked about mods, but didn't care about anything less than $1500 ea. mod. i mentioned the hid's and approx. replacement cost, but its less than $1500, so they didn't care.

1998 F150 $900/year
1993 Old lady car $600/year
2000 ZX3 you see on the start page for Fc.net that is owned by my son
$1800 per year

$2100 for a year, 01 ZX3, over 15km to work each way, 2mil liability, $300 deductibles

im 876£ 500 excess all mods declared.

FocusUK,Jan 18 2006, 02:47 PM Wrote:im 876£ 500 excess all mods declared.
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In Winnipeg, I am paying $85/mth for the Focus, and $90/mth for the Mustang.
Hello to a fellow British subject. I moved to Canada at the age of 7 in 1967. I was born in Taunton, Somerset.

2001 Ford Focus ZX3 - 1400/yr
2004 Ford Escape - 1200/yr
1988 Chev. Celebrity - 480/yr
1984 Buick Skyhawk - 500/yr

2001 Focus SE sedan, mods conveniently missing... 1450ish/yr for both myself and my wife. Not sure as it's all bundled with our house ins. now.

I pay $125/month with everything maxed out. When I got the car insured they didn't care to see the car or ask if I did anything to it. Mind you we've been with Allstate for like 20 years now and we're on a first name basis with our insurance guy so I guess that helps.

don't tell them anything they don't need to know.

My insurance on my 2003 ZX3

$98 a month
$22 a month for additional coverage

Plus I get a discount for my good driving record.

This gives me a $50 package policy. Anything happens to my car and as long as its not totaled I pay $50 or who ever is at fault and I get it fixed.

Im using my insurance for the tires and rims I blew out. $50 and I will have new tires. Yay for Sask. But then this makes my monthly insurance ($22 fee) go up a bit to. Everytime you use it its goes up.

In Sask you can have as many mods as you want and they wont ding you for extra insurance. We also dont have any stupid laws against emissions and all that junk.

'95 Windstar (Wife's) $700 no collision
'99 Taurus SE $950 full coverage
'05 Focus ST $1620 :angry:

38, no tickets, no accidents, 45km drive one way to work surcharge.
Believe it or not, my insurance in Glanbrook/Mount Hope>my insurance on the West Mountain. :rolleyes: Go figure.

$352/month for 3 cars + $400G house