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05-08-2020, 04:45 PM
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Join Date: Apr 2009
Location: Black Diamond
Posts: 818
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New driver insurance $$
My son just phoned for a quote an they got back to him with 2700 plpd that’s ridiculous. Any suggestions. The truck he bought is a 2007 GMC Canyon worth s much as the insurance.
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05-08-2020, 05:04 PM
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Join Date: Nov 2008
Posts: 11,556
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Quote:
Originally Posted by South west trappin RG
My son just phoned for a quote an they got back to him with 2700 plpd that’s ridiculous. Any suggestions. The truck he bought is a 2007 GMC Canyon worth s much as the insurance.
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Shop around? Insurance is expensive for new drivers, and with reason I guess. I feel for youngsters now in regards to insurance. Maybe get him on as occasional driver if he is at home, just be aware of the rules surrounding this, if you fib your insurance could be voided.
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“One of the sad signs of our times is that we have demonized those who produce, subsidized those who refuse to produce, and canonized those who complain.”
Thomas Sowell
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05-08-2020, 06:07 PM
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AO Sponsor
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Join Date: Jun 2013
Location: Airdrie, AB and Part Time BC
Posts: 3,130
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Quote:
Originally Posted by South west trappin RG
My son just phoned for a quote an they got back to him with 2700 plpd that’s ridiculous. Any suggestions. The truck he bought is a 2007 GMC Canyon worth s much as the insurance.
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Pretty standard nowadays unfortunately. Until he is 25 he is going to be paying through the arse. If he gets even one speeding ticket while he is a new driver, it can have a huge effect too. I had a kid working for me that was under 20 and had his license suspended for too many points and when he got it back and was insuring a total junker old Nissan pick up he was paying something like $600/month! I told him he could take a heck of a lot of ubers for that...
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Urban Expressions Wheel & Tire Inc
Bay #6, 1303 44th ave NE
Calgary AB, T2E6L5
403.769.1771
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www.urbanexp.ca
Leviticus 23: 4-18: "he that scopeth a lever, or thou allow a scope to lie with a lever as it would lie with a bolt action, shall have created an abomination and shall perish in the fires of Hell forever and ever.....plus GST" - huntinstuff April 07/23
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05-08-2020, 10:39 PM
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Join Date: Jun 2015
Location: Near Camrose
Posts: 41
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Not surprising, hasn’t really increased much in 25 years since I got my license. No choice but to pay it and encourage him to be responsible for years so it will come down
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05-08-2020, 11:05 PM
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Join Date: May 2012
Posts: 2,553
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Quote:
Originally Posted by tirebob
Pretty standard nowadays unfortunately. Until he is 25 he is going to be paying through the arse.
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More like the rest of his life. 
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05-08-2020, 11:10 PM
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Join Date: Oct 2012
Posts: 4,032
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Quote:
Originally Posted by South west trappin RG
My son just phoned for a quote an they got back to him with 2700 plpd that’s ridiculous. Any suggestions. The truck he bought is a 2007 GMC Canyon worth s much as the insurance.
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Don't feel bad, in 1991 i was paying almost exactly
$1600 a year on a 1980 $1300 truck.
Scream it nto your son's head not to speed, i got 5 tickets (to many demerits) & was stuck with higher insurance rates until around 1999.
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05-09-2020, 04:22 AM
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Join Date: Apr 2015
Location: Lloydminster
Posts: 4,836
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Yup I remember those days, back in 1975 I had a couple to many speeding tickets and got a 30 day suspension............ wow was paying $275 a month for insurance PLPD, but it cured me, I slowed down and only have 3 photo radar tickets in the last 40 years.
I paid through the nose again in the early 90's when I had 2 teenagers driving my vehicles, thankfully they made it through without any major bang ups and now I listen to my kids complain as I have 3 grandchildren driving. 
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05-09-2020, 06:09 AM
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Join Date: Sep 2008
Location: Lamont
Posts: 863
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Sounds about right. My son started driving in 1999, and PL/PD cost him $2200/year back then on an old S-10 pickup that was worth less than that.
Craig
Sent from my SM-A505W using Tapatalk
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05-09-2020, 08:29 AM
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Banned
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Join Date: Apr 2020
Posts: 558
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Those are crazy high amounts.
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05-09-2020, 08:38 AM
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Join Date: Oct 2013
Location: Lethbridge
Posts: 545
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Yup just had a buddy who’s son turned 16. Quoted 6500 full coverage on truck that cost him 6500. 3300 for comp I believe and 2700 for plpd. Believe I paid 1700 for plpd in 99 when I bought my first vehicle
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05-09-2020, 09:11 AM
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Join Date: Nov 2007
Posts: 1,736
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Lad turned 22 in December and his insurance went down $48/month due to a clean record.[so he claimed]
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05-09-2020, 09:12 AM
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Join Date: Jun 2015
Location: Calgary SW
Posts: 311
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The bad part is that if the teen is living at home, the insurance company will consider that they drive all vehicles listed at the address. My 17 year old daughter only drives the 99 Dodge 1500, but my wifes 17 Acura RDX insurance has tripled since she is licensed. I took the liability insurance off my 2003 Mercedes sedan as we aren't driving much with lockdown and it saved me 160 per month.
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05-09-2020, 09:15 AM
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Join Date: Jun 2010
Posts: 2,264
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All of you do realize you are not insuring the value of your vehicle but everyone elses vehicle right?
His $2700 s#%t box runs in to an $80 000 2020 F150 Limited it gets real expensive real fast.
Insured my 16yrd old daughter on a 2006 Kia and insurance went from $500 a year to $2400
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Quote:
Originally Posted by huntinstuff
Attention Anti Hunters
Sit back
Pour yourself a tea
Watch us "sportsmen" attack each other and destroy ourselves from within.
From road hunters vs "real hunters" to bowhunters vs rifle hunters, long bows and recurves vs compound user to bow vs crossbow to white hunters vs Native hunters etc etc etc
.....
Enjoy the easy ride, anti hunters. Strange to me why we seem to be doing your job for you.
Excuse me while I go puke.
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05-09-2020, 09:22 AM
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Join Date: Sep 2010
Location: Pincher Creek
Posts: 921
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Quote:
Originally Posted by South west trappin RG
My son just phoned for a quote an they got back to him with 2700 plpd that’s ridiculous. Any suggestions. The truck he bought is a 2007 GMC Canyon worth s much as the insurance.
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If he has not yet taken a Driver Ed. course, he should, as this will reduce his rate a little.
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Ranger
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05-12-2020, 11:46 AM
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Join Date: Nov 2007
Location: Central AB
Posts: 751
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insurance costs for new drivers
Just a bit to add here that might be helpful. The third kid just got a car and we shopped around for insurance. No driving record, obviously.
Aviva did not want to offer her a quote.
Wawanesa quoted $3000 per year for basic $1Mil liability but wouldn't allow her to make payments - all up front and also required a safety inspection (which would have resulted in a new windshield and who knows what else), let alone the cost of the inspection.
AMA quoted $3000, would take monthly payment directly from the kid via auto payments from her bank account and no inspection needed (2005 vehicle). Now the kid builds a credit rating while paying monthly and needs to figure out how to how to earn or beg, borrow and steal and save $300 per month or else.
Oh and driver training class saved her 10% (per year I think) but cost around $900 for the course.
kidd.
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05-12-2020, 12:20 PM
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Join Date: Feb 2017
Location: Edmonton
Posts: 288
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Guys seem to be missing a bit of the point here. The value of the insured vehicle has almost no bearing on the insurance premium. A $1000 vehicle can cause $1m in damage, and that is what your insurance is covering against
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