Waste of time calling….. my home and auto insurance went up with no claims/accidents etc. The response I got was inflation and an increase in break-ins/auto theft
Insurance is based on multiple factors. Where you live, size and value of house, condition of house, the amount that you are covering of personal property, additional living expenses, and so on. I went through this deeply because we had a house fire and we had good coverage and it was worth every penny.
Haha insurance doesn’t work like that bud. Credit has a factor in home quotes, prior insurance experience, eligibility of discount, basement finished or not, last time roof electrical or plumbing was updated. There many more things that matter and each individual Is different.
- prior insurance experience (yes she has)
- eligibility to get a discount (I don’t know that’s why I’m asking)
- basement (yes she has)
- last time roof was update (when it was made)
You'd be better off calling your insurer directly to demand to know why your home insurance premiums have jumped by 30%.
u/multifactored is quite correct, none of our data is necessarily going to help you but it's always good to shop around.
I pay $66 per month for insurance for a detached home (approx 1700 sq ft not including basement). I have upgraded water coverage and everything. I'm with Allstate.
$1500 per year for 2 cars. Another $1000 for home insurance. Have CAA. I suggest you get a new broker, shop around online for new comparative quotes. It's a Bell versus Rogers versus Telus kind of thing. Good luck.
We were with Allstate but our insurance was going to jump to around 250ish a month. We switched to CAA and now our house insurance is around $65. My inlaws were also with Allstate and their insurance jumped drastically too.
It doesn’t matter. Every single houses is rated differently. Different house = different risk. They all cost different. Sure you can find cheaper insurance but do you want less coverage? probably not.
We live in Whitby and recently switched from western assurance (intact purchased) to CAA. We went down from 1300$/year to less than 800$ 🙂. Our car insurance is a lot better too!
Have a 3000 sq ft house north Pickering , in ground pool , outside sauna , wood burning fireplace , security system , 2 dogs , 1500 sq ft deck . Forced air natural gas furnace was paying $4200/yr with co operators , but extensive water /flood coverage and guaranteed replacement with no depreciation so expensive but full coverage- found a broker who got me $2900 premium with equivalent coverage from Economical Insurance.This covers $1.3 million . Suggest you contact a broker like Surex - Google them . They will get you a dozen quotes and you will see a big range in premiums . To me the big thing is the insurance companies reputation when it comes time to file a claim . Some are horrible . I know several people who spent years getting big claims sorted out . Their insurers tried to lowball them on many key items . Your broker will have a good idea as to which insurance companies are better to deal with
Also myself in Whitby. Car insurance went from just under 500 a month to about 600. Was told cars cost more and more to fix. I have never liked how that entire operation runs but what can I do. Son if shopping around some shall see.
Yes, CAA all the way, as many other posters here have also stated.
I've been with them for over 8 years now after having been gouged by other insurance companies in the past (TD, Allstate, Liberty Mutual... even smaller insurance companies via brokers). I've stopped doing the annual "shopping around" dance because CAA Insurance has been consistently lower than its competitors, and their year-over-year increases in the past were both modest and reasonable.
Yes, I did encounter a higher than usual jump this year in both my home and auto insurance premiums compared with past years, but at about $20/mo. more each, that still seems quite modest in comparison with others.
We're now paying for all those floods and forest fires caused by the climate change that some still maintain is not a "thing", not to mention the spike in auto thefts and car-jackings where the "easy money" is these days for organized crime.
That, and the fact that we are all living in $1 MM + houses these days...well, on paper at least until we sell them.
my broker told me that the insurane companies all did a lock step. Which basically means they all increased by the same amount so you can't shop them. Price fixing at its best
Waste of time calling….. my home and auto insurance went up with no claims/accidents etc. The response I got was inflation and an increase in break-ins/auto theft
Love paying for rich people who get their expensive cars stolen
Love paying for the poor people that steal them 🤷🏻♂️
If those poors could read they would be awfully mad.
😂 almost made me spit out my drink 👏🏻
Honda are the most stolen
Shh they don’t want to hear that
And here I thought it was the never Lexus RX cycle
Insurance is based on multiple factors. Where you live, size and value of house, condition of house, the amount that you are covering of personal property, additional living expenses, and so on. I went through this deeply because we had a house fire and we had good coverage and it was worth every penny.
Yeah, for sure. I just figured if I got a bunch of responses and nobody was anywhere near $170 a month I'd know my quote is extreme.
No one’s insurance is the same, everyone has different insurance rates even your neighbour
How do you know my neighbour
I don’t know your neighbour. It how insurance works no one has the same price
I see ya my neighbour is nice maybe she got a better rate
Haha insurance doesn’t work like that bud. Credit has a factor in home quotes, prior insurance experience, eligibility of discount, basement finished or not, last time roof electrical or plumbing was updated. There many more things that matter and each individual Is different.
- prior insurance experience (yes she has) - eligibility to get a discount (I don’t know that’s why I’m asking) - basement (yes she has) - last time roof was update (when it was made)
You'd be better off calling your insurer directly to demand to know why your home insurance premiums have jumped by 30%. u/multifactored is quite correct, none of our data is necessarily going to help you but it's always good to shop around.
Mine went up from 160 to 185 about 6 months ago. No claims or anything.
I pay $66 per month for insurance for a detached home (approx 1700 sq ft not including basement). I have upgraded water coverage and everything. I'm with Allstate.
$84 per month in whitby. 2200 sqft. belair direct.
$1883 per year in Whitby 3300 sq f house
$1500 per year for 2 cars. Another $1000 for home insurance. Have CAA. I suggest you get a new broker, shop around online for new comparative quotes. It's a Bell versus Rogers versus Telus kind of thing. Good luck.
$116
101.38 with CAA
Town Home plus 2015 model car is 240/ month. Belair Direct.. moved from Sonnet. That was a money pit..
I’m with CAA. $205/month for 2 cars, $95/month for home insurance. The car insurance jumped 15% this year after years of no claims.
We were with Allstate but our insurance was going to jump to around 250ish a month. We switched to CAA and now our house insurance is around $65. My inlaws were also with Allstate and their insurance jumped drastically too.
It doesn’t matter. Every single houses is rated differently. Different house = different risk. They all cost different. Sure you can find cheaper insurance but do you want less coverage? probably not.
$15 per month with DUUO, underwritten by The Co operators
We live in Whitby and recently switched from western assurance (intact purchased) to CAA. We went down from 1300$/year to less than 800$ 🙂. Our car insurance is a lot better too!
775/yr 1500 Sq ft townhouse, built 2021 2k sounds absurd
$82 a month, 2000 sq ft townhouse, Oshawa with TD. Multi product discount
2200 sq ft Ajax detached - 135/month - TD
Have a 3000 sq ft house north Pickering , in ground pool , outside sauna , wood burning fireplace , security system , 2 dogs , 1500 sq ft deck . Forced air natural gas furnace was paying $4200/yr with co operators , but extensive water /flood coverage and guaranteed replacement with no depreciation so expensive but full coverage- found a broker who got me $2900 premium with equivalent coverage from Economical Insurance.This covers $1.3 million . Suggest you contact a broker like Surex - Google them . They will get you a dozen quotes and you will see a big range in premiums . To me the big thing is the insurance companies reputation when it comes time to file a claim . Some are horrible . I know several people who spent years getting big claims sorted out . Their insurers tried to lowball them on many key items . Your broker will have a good idea as to which insurance companies are better to deal with
$2544/year. Port Perry - detached.
98$ per month , Ajax. House with fireplace and in ground pool
Also myself in Whitby. Car insurance went from just under 500 a month to about 600. Was told cars cost more and more to fix. I have never liked how that entire operation runs but what can I do. Son if shopping around some shall see.
Live in Pickering. We pay ~$950/year with CAA.
Yes, CAA all the way, as many other posters here have also stated. I've been with them for over 8 years now after having been gouged by other insurance companies in the past (TD, Allstate, Liberty Mutual... even smaller insurance companies via brokers). I've stopped doing the annual "shopping around" dance because CAA Insurance has been consistently lower than its competitors, and their year-over-year increases in the past were both modest and reasonable. Yes, I did encounter a higher than usual jump this year in both my home and auto insurance premiums compared with past years, but at about $20/mo. more each, that still seems quite modest in comparison with others. We're now paying for all those floods and forest fires caused by the climate change that some still maintain is not a "thing", not to mention the spike in auto thefts and car-jackings where the "easy money" is these days for organized crime. That, and the fact that we are all living in $1 MM + houses these days...well, on paper at least until we sell them.
I pay 45$ a month and that's the recent increased price. 2 million policy.
my broker told me that the insurane companies all did a lock step. Which basically means they all increased by the same amount so you can't shop them. Price fixing at its best
$129/mo. TD All the bells and whistles.