Car insurance seems to be a hot topic with everyone and two of you (kindly) weighed in with your “FB you are f&cking kidding me with your car insurance estimate!”
No kidding!
It’s a good thing I got my insurance before I read your comments because I would’ve freaked out and chewed nails in the corner, AND this is the quote I got:
$354 for a whole year as a brand new driver who has never had car insurance in her life, woman, age 25, with a soon-to-be license with the bare minimum liability of $1,000,000.
That’s $29.50 a month!
WOO HOO!
My original budget was for $100 a month.
In Ontario, I’d be paying $100 – $150/month or maybe more!
And in Quebec, I’m only paying $30 a month!
That means that I “saved” about $70 in my budgeting spreadsheet and I was overestimating it!!!!!
I guess Ontario really fleeces their drivers making them pay almost 3 times or four times what I’m paying in Quebec. 🙁
Boo-urns. And I was so rooting for the English province too…
So, Anonymous, I went with La Capitale Ensurance Generale, and as a new driver with no previous insurance, I am only paying around $30/month. (Apologies for missing accents for all the Francophones).
Getting my license
So an update on my driving situation. I got a car. This car is being picked up tomorrow with the help of BF and his friend *heart*, and I’ve booked my driving license appointment for near to the end of October in a little city in Ontario.
Then I’m going to take that license and convert it into a Quebec one, because apparently you can’t convert LEARNER’S PERMITS, only real licenses. WTF. If I wanted a Quebec license now, I’d have to go through the whole Learner’s Permit, studying written test crap again.
Just a girl trying to find a balance between being a Shopaholic and a Saver.
I cleared $60,000 in 18 months earning $65,000 gross/year.
Now I am self-employed, and you can read more about 
You’re lucky. I pay just about $99 for my 98 Stratus AND it has an immobilizer.
stacking: That’s what BF said too. That my car wasn’t worth much and that I had the bare minimum put on it…
That’s great! I pay about $83/mo, but I also cover it for collision and comprehensive with a high deductible to keep costs low. My car isn’t worth that much, so I might drop the collision soon, once I’m sure I could quickly replace it myself.
I think a big reason you are paying such a great rate is your car isn’t worth a small fortune and you don’t have collision. And canada is nicer than US! 🙂
Canadian Saver: Is it!?!? I’ll have to look into that. I drive like an old lady though
Isn’t Quebec one of those 50-50 provinces, where even if someone hits you, 100% their fault, it’s still considered 50% your fault too?
Karen: Such a deal, eh?
Ginger: Because it was the only type of cars in the best condition for the price.
The other smaller cars were $5k or more for the same condition, and the minivans were the best deals
Joanna: Thanks!!!!
Fb you’ve come a long way with everything! Congratulations on all your accomplishments and that’s great news about the car insurance.
Why did you get a minivan rather than a regular car?
Just curious.
LAL: Thanks!
Michelle: Actually my estimate was $100 not $30.
Adriana: And in ONTARIO I’d be paying $100 – $150/month
In QUEBEC I am only paying $30/month.
Bare minimum liability of 1 million? Wow. And you’re quote is awesome. I pay more than that for 6 months (in the U.S.).
Um, they’re not fleecing you too much. Living in CA, I pay $150/month. And I’ve had one accident and one ticket in 11 years of driving. You lucked out!
I thought your $30 a month estimate was a little low myself, but then again, your car is 10 years old AND you’re not going to insure it to the hilt, since it’s not worth doing so. Good luck on your driving test!
Congratulations on the car and insurance!