how does my insurance go up if they didnt take an abstract of my driving record

[jaimie08mazda3]

so i got my quote for insurance renewal. they didnt do an abstract on me and all of the sudden my insurance goes up 20 bucks each month. its not alot but its enough to have me confused on why it went up. any opinions?

[Noisy Crow]

Inflation? Updated repair/risk stats on the car model? Did you move? Insurance company lost money elsewhere?

[WeatherB]

Could also be an increase in the number of accidents/claims in your area.

[Wild Weasel]

Yeah, sometimes the rates just go up through no fault of your own.

[LockOut]

I've never heard of it going up by $20/mo... Mine just went up $3/mo because they "Reassessed their zoning premiums" or some BS like that...

Just some way for them to get more money for not doing anything :chuckle

[jaimie08mazda3]

havent moved, i live in rockwood (which is like a safe zone) got only 2 subs and amp, which they dont know about. maybe they are insuring my stickers on my car LOL. i have no idea and im afraid to call them to ask incase they decide to do an abstract cuz i called. no accidents either.

[Skarbro]

It happens all the time. Rates went up for pretty much everyone this time around. Although $20/month is a little high.

[Xerox]

Yep. As others already mentioned, rates some times just go up. Mine went up only a few bucks (your $20/month is a lot though) and when I enquired they said that it's a "general rate increase."

[jaimie08mazda3]

well when i turned 18 i thought it would go down. i get my g soon so thats good. hopefully before it renews. i should call them but i dunno

[Dan Da Man]

mine went up 12 bucks too, nothing has changed since last year.

[MikeyGT]

try checking out other insurance companies. It maybe just that. My coworker drove an Accord and he was with TD malog or whatever you call it.

Now he switched over to Personal and he got a cheaper rate.

[x_o_k_x]

I wouldnt be surprised if the insurance goes up. It all relates to the economy/Canada's inflation. Prices go up everywhere..

[openuser]

I'm suspecting the hail damages....
All the insurance company lost lots of million $s last month :)

[jaimie08mazda3]

well went to another insurance company. they quoted me 750 a month LOL. so nahh im good. ill just suffer twenty bucks instead of like 350 more

[shootemup]

That happened to me a while back when I got my last car. The company I was with wanted almost $800/mth. Went to RBC and they gave it to me for $300.

[Dan Da Man]

I tried another as well they wanted 50 bucks more a month. I turn 25 in a few months both companies told me my rates would go down. Im gonna laugh when it goes down 12 bucks and im paying the same thing i was last year. buncha douchebags

[jaimie08mazda3]

all they want is money. and whats sad is they can make us pay cuz they know that we will pay it in order to hope for cheaper insurance

[plontoc]

I just got my renewal notice and my premium has gone up from 210/mth to 235/mth. $290.00 increase for the year:flaming

The explination I got when I called my agent was that it has NOTHING to do with me or my record, but our cars have a new "rating" from the IBC because of the many claims that have been made with the 3 for Bodily Injury and Accident Benefits.

And then he says "You suffer because others can't drive".

Great.

[Noisy Crow]

Since your insurance is up for renewal, this would be a good time to see if someone else will give you a better rate.....

[plontoc]

Since your insurance is up for renewal, this would be a good time to see if someone else will give you a better rate.....

I doubt it, before coming onto the TPA Group Insurance I was paying 476/month. I'll just deal with the increase.

[jaimie08mazda3]

i tried to get a better insurance quote. and because of my speeding ticket it went to like700 a month. im like f*ck that so i will take it and be pissed off cuz they said it would lower and instead it increased!

[Noisy Crow]

There a several on-line insurance quote sites, here's one of them:

http://www.insurancehotline.com/

I've found the price variation from lowest to highest is close to double....

Here's another:
http://www.kanetix.ca/

[shootemup]

Wow... i tried that webside and the cheapest one was 100/mth more.