How do people in Ontario Canada afford car insurance...

How do people in Ontario Canada afford car insurance? I want to buy a car but the example quotes I got online are $250+ for even the shittiest beater.

car ownership is a luxury, not a necessity. Ride the bus.

Simple = don't pay it you retard
Don't let the insurance jew scam you

Don't be male and under 25, mostly.

let the government control your movements within predefined courses. great idea.

pretty much this. as you get older and don't fuck up it gets cheaper

But they're controlling your movements with predefined roads anyway?

I dont think you can escape being controlled predefineded. I also have theory that they use radio waves to control you but I cant explain it easily.

Any other tips?

If I wasn't making 50k/yr I would just sell my car, honestly. Ontario fucking sucks, I can't wait for the military to put me, well, literally anywhere else.

not if you go offroad. generally however, I was referring to keeping a population centered in the city, easy to control, manipulate and govern.

Pretty much this. At 29 I pay $87/m for full coverage on my Jeep. When I was driving my Prelude at 21-25 I was paying around $350 a month for similar but ultimately less coverage. It steadily decreased to $250/m by the time I was 25 at which I switched vehicles.
I've got one ticket on record a few years ago, 15 over in an 80 zone. Rates went up for 6 months then went back down and have been going down consistently after.
>No speedy speedys
>No smashy smashys
Insurance companies will do bundle "deals" and lower your rate by 10-15% if you do your homeowners/tenant insurance with them as well.

the more I hear about ontario insurance, the more I start to like ICBC....

I pay like 240$ with perfect record in bc. Feels bad to be under 25

Highest
>Hydro rates
>Insurance rates
>Rate jobs are leaving province

Its a real winner here in Ontario, atleast we got that new 2 billion dollar Nova refinery that we're gunna start building soon.

>atleast we got that new 2 billion dollar Nova refinery that we're gunna start building soon.

after trump just dropped that corporate tax cut, I wouldn't hold my breath on that staying in canada

im 27 with a 1.5 econobox and 10 yrs safe driving. my insurance with all the optional good shit is 147/month

Nah, too much money has been invested(and is continually being invested right now) in the three Nova sites in my area to not build it. All three refineries will basically now be feeder plants for one of the worlds largest polyethylene plants. Great news for a pipefitter like me whos backyard that plants going up in.

then for your sake, I hope your right. I have watched a number of projects in BC get shuttered for myriad reasons lately. luckily our gubment made a good decision on the new hydro dam. they almost burned 2 billion because of "muh pissed natives and soybois"

Me too, I've seen the work thats been lost out in BC cause its taken work away from guys in my trade and its hurt quite a few people I know. That was good work, good money, good jobs thrown away just for the feel gooders. Those fuckwits can go diaf for all I care. We NEED those jobs. Canada as a whole needs those jobs. This new Nova expansion is one big step in the right direction that will completely revitalize my hometown.

Ontario used to be the manufacturing and economic powerhouse of Canada now its a fucking joke. We need all the skilled trades jobs we can get in Canada cause tradespeople build and keep this country running no matter what the people in power like to think otherwise. Fucking faux liberal socialists. Getting too /pol/ here now

Oh fucking waaa.

"$250 is way to expensive for a product that covers the cost of me crashing into someone's brand new Bentley and killing his spazzy kid"

How much would you charge for insurance?

Get an address outside of Ontario. Don't tell the insurance people that you actually live/work there. If you ever do get in an accident, don't tell the cop or the agent that live/work there. Say something like "hanging out with a friend" or "shopping."

>youngfuckdrivingshitbox pays $400/m
>olderfuckdrivingbrandnewkek pays $60/m

Hmmmm

Oh wait, you drive like not a sperg, never crash and there you go, that money was put to good use in the insurance company's pocket, wasn't it? People have somehow been fooled into thinking car insurance has to be legally mandated, it's ridiculous

>Experienced driver pays $60/m
>Inexperienced driver in a ricebox pays $400/m

Gee, I wonder why...

If you can't afford car insurance, you can't afford a car. What if your car gets stolen or if someone drives in to you and you're uninsured? If you can't afford to insure a car, you can't afford to replace it.

>you can't afford to replace it.
Or fix up the person you fucked up.

Drive without insurance

I was 25 when I got my first quote.
I pay around 100$ a month for a 2008 Ford Ranger. I only had a couple years previous insurance for a DRZ400.

Probably helps that I live in a white enclave.

>move from apartment to a condo
>less than 5 miles apart, as the crow flies
>car insurance drops by $20 a month
>mfw

You have to go back

>Ontario fag
>Male
>22
>One at fault
>$105/month
Stay mad boys

Four major factors affect insurance: age, driving history, vehicle, and location.

A 21 year old can drive a brand new Mustang GT in Elliot Lake and pay $100/month for it. The same car would cost $500/month if he lived in Toronto.

I bought a civic and my insurance went up from $300/mo to $330/mo. Fuck this province and fuck this country.

Trucks are easier on insurance. I'm 21 and drive a 4runner and pay 147 a month with intact. Rangers are a good option too. For cheap insurance you can go with bel air direct but it really just makes you road legal, they don't cover much

Insurancefag here.

Civics are involved in a lot of accidents, they're expensive/hard to repair (everything is jammed in the front, small collisions usually mean several thousand in mechanical repairs, not to mention body work, and they're stolen quite frequently. There's a huge black market for parts (because they're so popular), so naturally the theft rate goes up.

You're better off buying something domestic like a Focus, if you're buying new. It'll have a warranty and be reliable for about 100,000km. Civics are just a meme these days, not worth the money.

>still insured on mommy's policy

Why do people believe this meme it doesnt lower your insurance at all unless you're actually commiting fraud

>ontario lad
>23 yrs of age
>$97 a month

Are you still in highschool?

Of course it reduces your insurance.

It doesn't if you're the primary driver

>tfw no fault
>you can drive anything you can afford
>it punish normies who finance cars and need full coverage

>he drives old shitboxes
lol

>1.2k a year
>cheap

>he is too poor to buy a new car if he crash his car
>he need to finance cars under 100k

>>he need to finance cars under 100k
Very few people can afford to outright buy any one thing more than $20,000, especially something that requires more money constantly to use. Financially smart people do not spend more than 1/5th of their net income on any one purchase. Do you KEEP, not just make, 100k per year? I don't think so. Most of your money gets sunk into taxes, utilities, taxes, gasoline, food, taxes, insurance, taxes, cable, phone, fun things, taxes, and anything else you can think of. That's where financing comes in. Instead of paying all of the car's cost up front you simply make smaller more affordable payments over the course of a few years. Does that cost more in the long run with interest? Yes. But most people can actually afford to do that. Or you could buy a cheap rotting 10 year old pile for $5000 and hope it doesn't crap out on you like old cars tend to do.

>be poor
>buy a middle-class car, house and phone
>stay poor
> lose your job and kys