madmax

I'll take public auto insurance in a heartbeat. The sooner the better. Maybe you need to brush up on the understanding of insurance. No competition from many underwriters ?. Since underwriters have NO SAY in what the rates are (for auto ins) I am not sure of your post. Upsize to larger and larger buildings. Well, since that is investment money and the have a fiduciary duty to maximize profits , why not buy a larger bldg that may return more money to shareholders. But as I said much earlier, a lot of the blame should be on us in the industry. We have done a lousy job in educating the public. You guys would be astounded to see what the costs of collisions, thefts etc are. The next time you come across an accident, say one car runs a red and hits a third party , no loss of life, no serious injuries requiring hospital treatment, try and find out why this claim will likely climb to $30,000 to $40,000 before all is settled. Mindboggling is what it is. Lawsuits , there is another. Get sued on your homeowners policy? Go to court and you win means the ins co lawyers defending you were succesful . Great, but that cost the ins co somewhere above $20,000. (maybe fta lawyer can add) So, you recd $20,000 of protection for the cost of a homeowners policy that cost you maybe $600. Good bargain I say. As for 2500 - 4000 for one car in an urban setting....umm ....sorry bub. Not likely, not even based in reality IF based on , no tickets, prior record, no accidents, no driving to work. Maybe you are thinking commercial insurance. Either way, hope for govt run insurance......it wi9ll never happen in Ont. The govt doesn't want to get into it as they make money now from ins co. You would change your turn in time. Having spent my time dealing with the Ontario Insurance Board, Corrupt insurance companies breaking laws, creating policies that consumers have no idea break the law, and even having to bend to my principles in order to get insurance just because I get sick and tired of fighting these battles, I really don't need or want to brush up on Auto Insurance. You are clearly an Auto Insurance Apologist, spewing the company line. Regardless, your general disregard of the prices of insurance in Ontario, with clean record shows, that you may know your market, but you don't know Ontarios. Your posts requires some cheese to go with the whine. Cry all the way to the bank. I merely stated that you have a good rate, I stated my dislike of insurance companies. I know that they make record profits. I also know they don't follow the law, and that it is chronic and happens everyday, because they are not challenged and that they often behave like spoiled brats. I was not attacking you, I don't know you, but to call me bub, is, quite frankly, disrespectful. Which is exactly what I would expect from someone in the insurance market. And no, I don't expect Ontario to see Public Auto Insurance. That's why many sites that talk about Auto Insurance in Ontario, always have a link to anusol.

Thanks, I always enjoy a good laugh. IIRC Mulroney was personally polling around 9%. The Reform Party was coming on strong on the right, and Mulroneys flirtation with the sovereigntist resulted in both betrayal and the formation of the Bloc. Add in Spending to rival Trudeau, a GST, a FTA, with 2/3rds opposed, a huge deficit, debt, and a revolving door of discredited MPs and Cabinet ministers and the Progressive Conservatives bed was well made. The Progressive Conservatives were able to drive to work in a Corvette, after the election. Had Mulroney stayed on, I doubt the result would have been any better. Good Riddence.

Well, I don't know where you live but you have one heck of a deal. In Ontario, Private Auto, in an urban setting, it is pretty common to see $2500 to $4000 for a clean record or more. Yes there is less, I just paid $574 for 6 months, with a 24 year old truck, with no collision and a perfect driving record for over 20 years. No tickets in this period. I hate insurance companies. They cry poor. It is so bad that the banks are getting into the action. It is so bad that no agents have lost their homes, their businesses, or their clients. It is so bad that there is very little competition from MANY underwriters, and they continously upsize to larger and larger buildings. Yup, they complain, about collision, fraud, theft, and all the problems they insure, they complain all the way to the bank, opps, then they complain about those banks cutting into their awful problems:-). Yup its tough. I'll take public auto insurance in a heartbeat. The sooner the better.