|
09-22-2012, 01:53 PM | #19 |
Drives: 2017 L 3-door Join Date: Mar 2011
Location: Milwaukee, Wi
Posts: 161
|
I guess this would explain why my STi is cheaper to insure than the yaris... No abs, no anti-theft, no awd, no traction control ('07), less air bags and a worse crash rating... So much for being economical...
|
09-22-2012, 04:13 PM | #20 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
Quote:
A few nights ago I was driving south on I-45 in the slow lane. I had just passed the area where you can see construction re the future North American Headquarters Campus for Exxon Mobil. I was just about to put my turn signal on to take the FM 2920 exit when I heard a loud rumble. I decided to slow down and delay putting my turn signal on. A CAR PASSED ME ON THE SHOULDER GOING AT LEAST 90 MPH. He was racing another car that was going the same speed in the #2 lane. This happened so fast I didn't catch what type of cars they were driving. I kept thinking about that little voice, little bit of instinct that caused me to wait. If I hadn't waited, the result might have been disastrous. I hope those idiots eventually got tickets. Since the killing of the Libyan ambassador, I've noticed way more than the previous occasional military helicopter patrol and I'd imagine even military pilots are able to provide notification (indirectly if not directly) to patrol cars. |
|
09-22-2012, 04:17 PM | #21 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
|
09-22-2012, 04:51 PM | #22 | |
Drives: '08 Yaris LB Join Date: Jan 2012
Location: British Columbia, Canada
Posts: 328
|
Quote:
Quotes I received here... 2008 Corvette $105 per month 2008 Ford Crown Vic $75 2008 Yaris HB $125 Anything made by Honda or Toyota is an extra $20 a month easily. I've noticed that most Yaris/Echo drivers are especially bad but not the overly aggressive bad, or the lazy bad (not signalling etc), but the "I'm so scared I might actually crap my pants if I drive over 55mph, but I'll cut across 6 lanes of highway without even looking" totally-fucking-stunned clueless type. |
|
09-22-2012, 05:17 PM | #23 | |
USAF_SrA_E-4
|
So is the smart car in second place?
__________________
Quote:
|
|
09-22-2012, 05:33 PM | #24 |
play every day
Drives: 2012 Yaris L 2dr 5sp Join Date: Apr 2012
Location: Los Angeles
Posts: 1,961
|
Insurance on my 2012 Yaris costs 75 cents a day because I only buy the minimum required to register the car.
|
09-22-2012, 06:31 PM | #25 | |
Drives: 2020 Corolla Join Date: Apr 2012
Location: Canada
Posts: 549
|
Quote:
So .. I knew the rates in Ontario were high but that is quite high. But then again, I am getting the best rate that the insurance company offered due to many years of accident free driving. That is very cheap .. but I am not surprised as the rates in the US are generally lower than Canada where we are turned upside down and shook til all our money falls out .. then they shake us some more to make sure they got it all. |
|
09-22-2012, 09:01 PM | #26 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
Quote:
Do you have to have collision in Canada? or is it like here in the U.S. where if you paid cash for the car, you don't have to have collision? Do Canadian insurance companies ask you how many miles you drive and base your rate on that? Years ago here they asked you your annual miles when you got the policy and that was it. Then 10 + years ago insurance companies (at least in California) started asking that question every year. In Texas you have to give an affidavit of your odometer reading (at least with my company and I know some others) to get the 'mileage discount'. There really isn't any point in not giving the mileage because you have to get your car inspected every year and the inspection station gives the odometer reading to the State and the insurance company can get that information from the state. I don't carry collision and I don't think I have since I was a teenager. Many U.S. insurance carriers have a 750k to 1 million dollar liability limit on their auto policies and then the amount above that is picked up on an Umbrella Policy if you choose to have one. For me, the underlying amount below my umbrella policy is 1 million. My first insured year here (car wise) I paid 434.00 for that 1 million coverage based on 15-20k miles per year. The next year my mileage increased to 20-25k per year and my premium increased 6 dollars to 440.00. The next year (which just started a few weeks ago) my mileage increased to their 30-40k per year band and my premium increased to 480.00 per year. Given your location, liability amount, and that you're paying for collision, your rate doesn't seem high. My zip code here in Texas = low crime rate . It is almost exactly the same as Calabasas/Hidden Hills in California. |
|
09-22-2012, 09:14 PM | #27 | |
Drives: 2017 Yaris L (5sp manual) Join Date: Jun 2012
Location: upper midwest
Posts: 345
|
Quote:
|
|
09-22-2012, 09:25 PM | #28 |
Drives: 2020 Corolla Join Date: Apr 2012
Location: Canada
Posts: 549
|
^^^^ .. the insurance company usually is interested if you drive your car to work. Then .. they charge you more as statistically you are more likely to get into an accident coming to and from work. They do ask how many miles you drive but you are not required to prove it. And really it doesn't seem to save you much if you drive few km's.
There are lots of questions (and you cannot obviously lie or they will deny you in the event of a claim) .. but really they are not that concerned with the total mileage you drive as you are not required to get your vehicle inspected (we have no annual inspections here) or submit your mileage to a registry. (The DMV as you have in the US is privately run here by "registries" and you are not required to tell them your mileage). EDIT: .... if your vehicle is over 10 years old, you are required to supply your insurance company with a completed vehicle inspection report, which mainly deals with the safely features of the vehicle. As far as collision .. from what I know it is not mandatory unless you are financing your car. I am amazed at how little liability someone like tooter has .. like the MINIMUM here in Alberta is 100,000 and most insurance companies want 1 or 2 million in liability as a minimum. You do pay either a higher rate if you live in a high crime area (like where I live .. boo). But if you live in a low crime area .. you would pay less as they figure you are less likely to file a claim. You are also really hit hard if you are a male (particularly a young male), females pay much lower rates for insurance. I did see recently that the average rate for insurance here in Alberta is about 1200$ ... similar to what it is in Ontario, where the rates are slightly higher than here. Last edited by edmscan; 09-22-2012 at 10:10 PM. |
09-23-2012, 12:35 PM | #29 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
Quote:
When I first got the policy I have the 'mileage verification discount' was built into it. Since then, when I've had to provide the mileage verification affidavit, it was (I was informed via letter) to keep the mileage discount. I could have not sent in the affidavit and kept coverage, I just wouldn't have gotten the discount. The insurance company might be fibbing to me that I'm getting a discount by providing it, but my rates are enough lower than any other company that it is plausible. The vehicle inspection thing where the state keeps a record of the mileage is a state by state thing -- not national. I don't know how many states have it. Texas does. California doesn't. This is actually the ONLY ISSUE I've encountered where TEXAS IS MORE ORWELLIAN THAN CALIFORNIA. In California, if your car is beyond a certain age/considered a classic I'm pretty sure it is exempt from smog requirements and at some point a 'special' plate can be issued. I think Texas has some sort of similar program, but I don't know how it works. |
|
09-23-2012, 12:39 PM | #30 |
EcoFriendly
Drives: 2007 Vitz HB Join Date: Sep 2012
Location: Los Angeles, CA
Posts: 51
|
its dangerous walking in some parts of the neighborhood where I live.
|
09-23-2012, 12:40 PM | #31 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
Quote:
|
|
09-23-2012, 01:38 PM | #32 | |
Drives: 2008 Yaris Liftback (Sprocket) Join Date: Oct 2008
Location: San Antonio, Texas!
Posts: 2,799
|
Quote:
This only applies to Federal forces (active duty military and the Reserves), the National Guard can do so within its home state if the appropriate authority (usually the governor) approves it or in an adjacent state if invited by that state's governor. Back on topic, I think part of the problem for high insurance rates might be the costs of repairs and replacement parts. Go back and look at some of the threads concerning accidents, the damage doesn't appear to be that bad but the repair estimates are astronomical! Unfortunately, due to the low number of Yaris brought into this country (as compared to Civics and other similar vehicles in its class), parts are going to be expensive. Also, many modern cars are designed to "absorb and spread" the forces of an impact so many more components will be damaged as compared to the heavy, steel cars of the past. But I for one consider that to be a small price to pay for driving one of the coolest cars around! On a side note, I accidentally tore the mirror off a rental minivan we had in Key West earlier this week (a concrete pillar took it out while I was backing out in a parking lot). Luckily it was a company rental, and we always get full coverage; but I would hate to see what the final repair bill is going to be on that! Cheers! M2
__________________
|
|
09-23-2012, 02:52 PM | #33 |
Drives: 2017 Yaris L (5sp manual) Join Date: Jun 2012
Location: upper midwest
Posts: 345
|
|
09-23-2012, 07:06 PM | #34 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
Quote:
Your third paragraph = what I was thinking as well. This is why I thought Matti might not have collision given his increase was only $2. Perhaps the extra safety features (ABS, etc.) almost exactly make up for other increased costs. Your fifth paragraph = I whole-heartedly agree. |
|
09-23-2012, 07:07 PM | #35 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
|
09-23-2012, 07:24 PM | #36 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
|
I once took a bus from Torrance to Beverly Hills. If I remember correctly, it went all the way up Western Ave from Torrance Blvd to Wilshire Blvd. It was an interesting experience. I wouldn't have walked or ridden a bike anywhere along the route.
|
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
Jerkratt - Photo Scavenger Hunt | Jerkratt | Photo-Video-Media Gallery | 3 | 03-04-2009 09:03 AM |
Custom Lftback - Photo-Scavenger Hunt | custom Lftback | Photo-Video-Media Gallery | 2 | 03-01-2009 11:12 PM |
Darb - Photo Scavenger Hunt | Darb | Photo-Video-Media Gallery | 3 | 03-01-2009 09:02 PM |