Alta4ever

A liability payout will if you go to court and sue for it, accident benefits will not. The prices is where it is because of claims frequency and severity.

I think you just upset because the two online tools you used to try and prove me wrong have in fact proved you wrong. Thanks for bringing Kanetix and the MPI website quote tool into the argument, they are providing the rates that have proved you so wrong. The truth is incontrovertible, malice may attack it, ignorance may deride it, but in the end; there it is. Winston Churchill

You have only one model of auto insurance private we have only one model public, so ya we are comparing single models. The fact is you lose you have got nothing, as was said before your piece of sh_t study isn't worth the time or money invested. Actually you have not always had that system it was based on merits/demarits the model grid is new, hence its being called the NEW Driver Safety Rating or was the new on the MPI website lost on you

As I said small c MPI copied the Alberta grid rate system here check it out. http://www.mpi.mb.ca/DSR/index.html

A 1995 Cavalier Estimated Cost MPI No Commute to winnipeg 2010 Rates Effective: Mar 01, 2010 2009 Rates Effective: Mar 01, 2009 Basic Insurance Premium $790 Deductible $500 $0 Third Party Liability 1,000,000 $16 Interest and Administration Fee $0 Total Insurance Cost $806 Registration Charge $119 Plate Use Charge $7 **Total Registration Cost $126 TOTAL ESTIMATE $932 Kanetix site Alberta Rates equivalent coverage to what was quoted through MPI Vehicle 1: 1995, CHEVROLET/GEO CAVALIER LS 4DR Comprehensive coverage 500 ded Collision coverage 500 ded Liability 1,000,000 Uninsured motorist Included No.44 - Family protection Included $526

Why is it that for me to get close the MPI average in your study you have to quote a 1980's to mid 90's vehicle to get ($652 for a 1980 chevette) year. Where did they get there data what age of vehicle were they using? Heck a 2000 Cavalier was still 1100 with the maximum 25% discount? Same coverage same vehicle 2000 cavalier same driving record same deductibles same Liability coverage Kanetix quote PREMIUM NEXT STEP $675 / year Millenium Person no convictions no accidents, continuous insurance coverage over 10 years.

I provided data, and your report does not corroborate it.

That study was and is crap. They weren't even taking real numbers. They used quote software, with made up scenarios, not real ones. They did not account for demographic differences. How many different insurance companies did they use for their quotes how did they choose which quote to use. Reading the study I can tell you what they did they took all the quotes generated for a specific scenario and the averaged them. Thus coming up with rates no one actually pays. This isn't MB we don't have one main provider with a couple of companies offering additional coverage. We have many companies offering many different prices for the same person. That consumer naturally finds the lowest price not the average. Why do you find this so hard to understand. YOUR DATA IS FLAWED IT IS NOT AN ACCURATE REPRESENTATION OF THE INDUSTRY!

Bonam you aren't just paying to cover damage to the car, you are paying so that if you or someone elese is injured that you don't end up living you life in absolute squaller. Have you ever though about what you earning potential is for the rest of your life? What if all that is taken away tomorrow because some one t-boned you at an intersection? You aren't just buying insurance to cover your car, its to cover you and your mistakes.

You'd bet? Do you have some statistical info on that? Are you or ever have been a broker? Have you ever actually asked for and read your policy wordings? Do you understand policies, do you know how the rating of policies works, do you understand, that different demographics produce different rates? Do you understand that insurance policy rates are more complex then just being able to take a dozen or so lump them together and spout an average price. Do you understand that it gets even more difficult when you start looking at private insurance because different companies (and there are so many) target different market segments, and discourage the writing of certain market segments with their book by having a higher rate then a competitor that is targeting that specific market segment. Unlike MPI they have no mandate to write all insurance policies and target their business acquisition models to the class of business they want. Hence mainline market middle market and residual markets. (If you even know what those are) The think tanks that you link to don't understand this, none really do, and how the insurance market operates outside of MB is completely over your head.

You don't want to compare individual rates because you will loose, as you did. When people go shopping for auto insurance they don't care what the average cost of a brokers book of policies is. They shop for an individual rate a go for the lowest. You also can not compare average rates between Toronto and Winnipeg, because the risk factors are different. You have to compare similar regions with similar conditions. If you want to compare toronto's private market you compare it with rates from the city of Vancouver. Face it you don't understand how insurance works you don't get it because you don't know it. Taking a list of policies and averaging them does not give you a true sense of what the cost of insurance is, just some bastardized number. To an individual shopping they don't look for the average rate they look for the best rate.

Do you not get people don't pay an average rate, their is no such thing, walk into a brokerage and ask for the average rate, see what you get. Your basic cover is 200k 500 ded all perils with a $50,000 payout limit. You didn't seem to understand that. I compared my coverage to the same coverage with MPI, MPI was higher. You don't seem to understand that you can't comprehend the real numbers.

according to your study on insurance costs I should be paying way less, qualifying for the maximum discount.

My vehicles quoted through mpi assuming I get the 25% discount. Basic Insurance Premium $1,196 $1,177 Deductible $0 $0 Third Party Liability $22 $22 Maximum Insured Value $220 $330 Interest and Administration Fee $0 $0 Total Insurance Cost $1,438 $1,529 Registration Charge $119 $119 Plate Use Charge $7 $7 Total Registration Cost $126 $126 TOTAL ESTIMATE $1,564 $1,655 just a little different smallc can you studies account for that? Not to mention you are a no fault jurisdiction meaning you do not have access to the courts.

Man your slow for knowing so much let me fill you in. You have all perils coverage to a limit $50,000. All perils is the blending of Collision and comprehensive cover under one deducible which is under your basic $500. The wordings are pretty standard on those two coverages. Your basic coverage includes liability cover to the tune of $200,000 the manditory minimum, pretty pathetic. You actually have to buy down your deductible and buy up to a decent liability limit.

So describe what you think your base coverage covers.

Small c, guyser just proved you wrong too. You studies aren't worth jack! Stop living in the hypothetical world of the university campus and start living in the real one.

Are you calling me a liar?

And that is ontario not alberta.

It does work this way to a certain degree, but all rates have to be filed and approved by the insurance ombudsman in the province. So the provincial government has final say.

Violent crime isn't just murder.

It was a centrally planned economy and so sorry hear you are a typical historical revisionist.

I don't know what they taught you in school, but the german economy was a centrally planned economy. Does Goering's 4 years plans ring a bell. They told factories what to make, installed supporters as owners and so on. They allowed private ownership if you towed the party line otherwise you wouldn't own it any more another party supporter would.

And I'm telling you that you can't average prices between different companies, in the private market people pay the lowest price they can get period. All insurance studies fail to make that distinction. They don't compare real policies they use made up numbers, with made up factors. The fact is you don't know enough about the insurance industry to understand that. Did they use a residual market quote for some, did they use main line market quotes. Did they use grid rate numbers, what discounts were used, Did they factor in policies that offer accident waiver endorsements? Did they take median policy rates rather then mean, what did they use for a company, what companies participated in the survey? I would love to see how they got the intact (or ING rate) since they use credit scores as a rating factor.

You damn right it can be verified and why would I lie those are my rates. The kenetix quote I got just a second ago, you just can't admit that you are wrong that government solutions are not always best nor reign supreme. Step back from you idelogical postion. here are all of the Kanetix rates in my quote Call us here at Kanetix and we'll introduce you to a licensed representative from any of the insurance companies listed below. 1-888-854-2503 toll-free 416-598-5401 from a local area code COMPANY PREMIUM NEXT STEP · Ways to pay: Credit card, ABW, cheque · A- pd A.M. Best · Discounts: Experienced driver, Multi-vehicle $2240 per year · Ways to pay: Credit card, ABW, cheque · B++ pd A.M. Best rating · Discounts: Multi-vehicle, Multi-line $2366 per year · Ways to pay: Credit card, ABW · Paying monthly? No fees or interest. · B+ pd A.M. Best rating · Discounts: Multi-vehicle, Claims-free, Conviction free, Occupational, Preferred parking $2739 per year · Ways to pay: ABW, cheque · B pd A.M. Best rating · Discounts: Multi-vehicle, Multi-line $2893 per year · Ways to pay: Monthly credit card, Full payment cheque · A A.M. Best rating · Discounts: Multi-line, Multi-vehicle, Conviction free, Occupational $3167 per year · Ways to pay: Credit card, ABW with deposit · A- pd A.M. Best rating · Discounts: Conviction free, Multi-vehicle, Multi-line $3332 per year · Ways to pay: ABW, cheque · A A.M. Best rating · Discounts: Conviction free, Multi-vehicle, Multi-line $3736 per year Show/Hide Companies Note: These premiums are estimates and are provided solely for the means of comparison. Actual premiums may be higher or lower than the estimated amounts. Automobile Insurance in Alberta is not subject to tax. Quoted premiums do not include any administration service fees charged for monthly payments. By providing these comparison rates, Kanetix is not selling, soliciting or recommending any of these companies or policies. Kanetix does not have a direct relationship with AXA Pacific Insurance, Pembridge Insurance Company , Royal & Sun Alliance Canada.