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Corvette
C8 Forum
Need advice for auto insurance in BC
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<blockquote data-quote="gdb069" data-source="post: 309811" data-attributes="member: 7724"><p>A BC resident MUST purchase basic insurance from ICBC but optional insurance can be purchased elsewhere, however the savings are miniscule as compared to the nuisance so I don't do it. The big cost is Basic and that is dependent on up to 40 years driving history. I have 40 years. My 2021 C8 includes $1,000,000 3rd party liability, $500 deductible collision, $300 comprehensive. The basic rate is really affected by driving history. My annual insurance is $1669. but (after the first year I realized I was not using it much in winter so, I insure for 8 months mid-March to mid-Nov. so $1223. With 5 years no claim history my cost would be almost double and if there was a new driver the cost would be triple. </p><p>The big killer is driving history up to 40 years. History follows the driver; not the vehicle. Plus your insurance is rated for the worst driver listed and that means anyone of driving age you live with. Based on these factors any accident with the car under about $3000 you should just pay without a claim.</p></blockquote><p></p>
[QUOTE="gdb069, post: 309811, member: 7724"] A BC resident MUST purchase basic insurance from ICBC but optional insurance can be purchased elsewhere, however the savings are miniscule as compared to the nuisance so I don't do it. The big cost is Basic and that is dependent on up to 40 years driving history. I have 40 years. My 2021 C8 includes $1,000,000 3rd party liability, $500 deductible collision, $300 comprehensive. The basic rate is really affected by driving history. My annual insurance is $1669. but (after the first year I realized I was not using it much in winter so, I insure for 8 months mid-March to mid-Nov. so $1223. With 5 years no claim history my cost would be almost double and if there was a new driver the cost would be triple. The big killer is driving history up to 40 years. History follows the driver; not the vehicle. Plus your insurance is rated for the worst driver listed and that means anyone of driving age you live with. Based on these factors any accident with the car under about $3000 you should just pay without a claim. [/QUOTE]
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Corvette
C8 Forum
Need advice for auto insurance in BC
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