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BECAUSE THEY USED ADS FROM ANOTHER PROVINCE.
where ICBC doesnt exist
Car insurance has always seemed like a huge scam to me, and kinda crazy that it is required by law here.
Yes there is the health care part of it in the US, but nevertheless, I was paying $145/month for basically no vehicle insurance, just bare minimum by law, on a 2007 camry. I had 4 years of flawless driving record at that time.
My grandma, probably early 60s, has multiple speeding tickets in the past few years. She pays $200/YEAR on the 2012 cube.
So I don't bother owning my own car because piggybacking off of elderly's insurance will save a shit tonne of money. It's straight up age discrimination.
Don't even get me started on valuation of vehicles between clean/salvage titles. None of it makes any sense
I found ads in my own province to use.. that proved my trucks value to be $4000~5000, and suprise suprise, all of a sudden being rear ended with $2600 damage (adjusted to $1700 on 2nd estimate that they initially didn't even want to do), my truck could finally be fixed -_-
@Lapis Yea, the $100/month basic insurance is 'We won't have cops pull you over immediately when there forward facing cameras see an uninsured plate'
Oh yeah and companies will purposely charge insurance companies as much as possible for repairs/parts
And basically covers repairs for whoever was not at fault
@Trenavix Worse, the first place has a high ass 'agreed upon rate' for work
and ICBC somehow DIRECTED ME TO THEM
when I went to ICBC's OWN estimator, they said 'the quote was perfectly valid.. but im going to knock $900 off the labour because thats what we pay <insert other type of ICBC qualified repair shop>'
Like they just wanted a high ass repair quote to justify writing off my vehicle at the $1600 valuation of trucks in the NEXT PROVINCE OVER (that you can't import without an inspection and thousands of dollars of repairs on a 20 year old $1600 truck)
Alive: how about milage?
we have an awesome new low milage discount here in BC /s /s /s /s
How much less do you think you would pay for insurance, if you only drove 5000km (3100 miles) a year?
Doable if you only work.. 9km away from home!
ICBC"s awnser: 10%
`The U.S. Department of Transportation's Federal Highway Administration states the average person drives around 13,500 miles every year.`
I drive less than 100 miles a year
@Lapis People who drive less, also likely don't have a job that requires they drive to work in the snow/ice/rain/dark/etc.
Id gladly take any discount on my insurance to be banned from driving in vancouver
lol.
what if I told you I am also insured on 2 cars
I'm not, it causes my next years insurance to drop significantly
I am like the 4th driver on each car
when I do need to drive every day, it will be a lot cheaper
Fun fact: here you get a good driving record that lowers your insurance just by owning a drivers lisence
No vehicle needed!
I'd probably forget how to drive or something
I refused to get a car mainly because of insurance costs, but my current setup is nice where I take my emoto everywhere around where I live and take a nissan cube on freeways out of city, and it's registered to my grandma for $200/year insurance cost
Much better than the $1740 a year I paid on my 2007 camry. And back then it was my only transportation and costed a fair bit in gas, and repairs
camry couldn't hitch a motorcycle and trailer either üòõ
hehe
my car came with a hitch...im positive it looked ridiculous hauling a utility trailer and pop-up camper behind an orange 2-door, but a 3300lb tow rating is worth exploiting
tongue weight max being so low for passenger cars is unfortunate, but yknow, unibodies
lol.
most american cars are so over powered im sure it was fine
just keep your water jugs behind campers axle. üòõ
I am probably a good 50lb over my tongue weight, or more. Stabilised it a bit by using tie downs onto the end of the moto hitch and over the cube's giant rear door hooked onto some metal loops on the backseats bottom.
The nissan cube has an i4 engine and flies up the mountain no matter what's on my hitch
really makes me wonder why you need more if you're not towing a huge living trailer
yeep
all those people with f150's raised with turbodiesels and shit, rofl
(like the idiot who rear ended me and whose bumper didn't even damage my bumper, it only took the plastic off the top of it because his truck was so freaken high)
my grandma has a nissan rogue. Somewhat larger SUV. It has the same engine as my cube
I can confirm my cube flies up the mountain much faster
The only thing the cube can't really do is off-roading. I should definitely lift it. /s
you know whats the only thing I want more from my 2.2L 4cyl truck?
a limited slip diff for winter so I don't need to put chains on to get outta my driveway.
are you sure you don't want a v8 so you can burn extra gas at all times
I had a V6 and it had so much power I once tried to race a corvetta.
I mean, I lost, badly, but I was still stupid enough to try.
My first camry had a v6. I never really noticed the power myself, didn't make much of a difference to me going to i4
Mine had a custom high flow exhaust and god knows what else done to it by previous owner
I actually stayed up to the corvetta till 2nd gear
then I shifted into 2nd, and he took off from me, like I took off from the intersection üòõ
I've never really felt true power from gas cars, and I've driven in sports cars. The only time I feel a "*whoa*" is electric, in my motorbike and in a tesla I drove
mainly due to from-a-stop torque
Top speed on ice though can be crazy. I think the most I've bothered was 110mph
heh, try a YZ125 someday :0
Not exactly woah from a stop torque, sure
but you get on the pipe and it just kicks you in the ass
you try and shift through the gears only to run outta road and have to slam on the brakes again
Theres also alternate ways of driving it for more insanity...
Ie, it has a wet clutch, you can modulate power with the clutch and keep the throttle wide open, to keep it at its torque peak of the powerband.. of 10,000rpm+
And then you just shift every time the rear wheel catches up again üòõ
ive driven a few 600cc fsae cars, that had the 'holy fuuuuckk' warp tunnel effect (0-100 in about 3.2-5s), electric fsae ones are faster nowadays, but with relative silence and even stronger pulls from a stop.. for ebikes mainly the idea that i could a) reasonably afford and b) design and assemble myself that delivers similar brain-compressing acceleration (even if not to 100km/h/for as long) on the street without building my car to an inch of the engine's life is like telling a heroin addict they could actually synthesize it themselves with some studying and reasonable upfront cost
hahahah
yea, you can't go much over 100kph without the cops busting your fun down a peg or two anyway üòõ
that and.. physics.
They are basically betting against risk and a guy my age is probably a higher risk. Now don’t get me wrong I’m not saying they should make it cost more. My preference would be to have it be non mandatory instead
I don't mind mandatory so much as how much the mandatory costs for absolute basic coverage in a shitbox wiht absolute perfect driving record.
Especially when the government then asks for hundreds of millions of dollars back from that monopoly, and authorizes all their price increases. Basically a regressive tax on the poor for the ability to get to work
(Just checked, its $250,000,000 a year they pay to the government to get to keep their monopoly)
yaknow, instead of I don't know, charging property taxes or something?
*shrugs*
Nowhere is perfect
iirc BC insurance is roughly like living just outside the GTA
but not as much as living in brampton (priciest in canada i think) but not as cheap as being further north as i am
not that id call mine cheap
https://cdn.discordapp.com/attachments/729031346571313232/789980464575938590/redditsave.com-wellwhat_to_do_today_lets_just_try_and_slice_a-u4u0ulinir561.mp4
@Black Moons for you
yea iv seen it -_-;
*cuts right through warning labels* lol.
:KEKW:
:oof:
"it didn't explicitly say don't cut"
tbf
you got a point
lol thats so dumb its beyond not even funny to the point where its almost slightly funny again
Wow that bang
How does that work
Like what's inside the battery that makes it boom upon air contact
Lots of stored energy
There’s layers of positive and negative very close to each other so puncturing it basically causes an internal short
Ooohh
Righto ofc