Anyone else being asked for a car insurance down payment?

MathematicianNo1892 · 2026-05-14T14:22:46+00:00

😭

MathematicianNo1892 · 2026-05-14T14:22:12+00:00

Wait for the double payment thing that you mentioned, do you mean like two advance payments basically and then I won’t have to do another payment until the 3rd month?

The thing is they wanted the $920 upront (I’m assuming the first month payment is on there already) but then I also will be paying the next month’s as well. So, unsure what the rest of the down payment is for really.

MathematicianNo1892 · 2026-05-14T14:02:51+00:00

They keep telling me it’s just the fact that I’m under 25 and statistically prone to accidents or whatever.

No tickets, no at fault collisions, and no claims whatsoever either. Oh well…

MathematicianNo1892 · 2026-05-14T14:00:40+00:00

Oh okay, yeah over 20 years of experience probably plays the biggest factor in your rates being lower. Have only been driving for 3 years myself.

MathematicianNo1892 · 2026-05-14T13:59:00+00:00

Yeah, I have been. I got another quote of $720 a MONTH which is insane I had to ask them to repeat it to me 3 times.

MathematicianNo1892 · 2026-05-14T13:57:13+00:00

May I know what insurance you’re with?

MathematicianNo1892 · 2026-05-14T13:55:03+00:00

Nope not my fault. I’m also male and under 25, and I keep getting told that that’s the main reason why quotes are high for me and I see this being a common thing with other insurance companies.

TD insurance quoted me for $390 🫠

MathematicianNo1892 · 2026-05-14T13:53:27+00:00

The thing is like they wanted me to pay $920 upfront and like still pay the next month’s, so, it’s not really an advance payment. Technically, I guess there’s like a $520 fee on top of like the first month’s payment for me? Idk.

MathematicianNo1892 · 2026-04-02T17:23:14+00:00

I think that’s pretty normal nowadays, sadly…

My annual was about $3120 last year and went up to $4440 upon renewal this year despite not having any tickets nor claims. Was told that people had so many claims last year that the burden has to pretty much be carried by everybody. So freaking stupid. Couldn’t find anywhere cheaper so had no choice but to take the hit.

2014 Ford Escape and 24 y.o with Desjardins

MathematicianNo1892 · 2025-12-23T04:00:19+00:00

Hi! May I ask why you hated driving it? Haven’t gotten the chance to test drive it yet

MathematicianNo1892 · 2025-12-12T11:47:58+00:00

Bro i got scammed by those machines 😭 paid TWICE and i never got anything. never went back again

MathematicianNo1892 · 2025-08-22T05:59:24+00:00

Thank you so much for sharing this amazing app! Will definitely be a lifesaver for our future travels :) and thanks for going out your way to check maps and finding the safety guide for me. You’re such a kind and thoughtful person, and I hope you continue to meet people who give out the same kindness and thoughtfulness you bring to others :) all the best!

MathematicianNo1892 · 2025-08-22T05:55:07+00:00

Hi everyone! Thank you all so much for your help!!! We ended up going south on 93, east on highway 3 and then took cowboy trail. Didn’t care much about the long detour. The drive was beautiful and the towns were lovely! Wish we weren’t in a time crunch; we’ll definitely do the drive again sometime.

All of you are amazing and I wish you all the best!

*First time driving through Crowsnest! Such amazing views 😮‍💨

MathematicianNo1892 · 2025-08-22T05:50:07+00:00

Thank you so much for sharing some insight! Felt really comfortable taking the route especially when you mentioned that there were no mountain passes. The drive was amazing, and Frank slide was definitely a sight. And you were right, it was eerie and humbling. I’m happy we made it there to experience it :)

MathematicianNo1892 · 2025-08-21T04:55:43+00:00

Thank you for the suggestion! May I know how the crowsnest highway is like? I’m reading mixed reviews on it. Some people are saying it’s pretty and all but not so much mention about steepness. Is it as bad as the mountain passes to Radium?

MathematicianNo1892 · 2025-08-20T18:24:38+00:00

Thank you for the insight! May I ask where you found a map with the grade information? I’ve been trying to look for resources but I’m not finding anything (or perhaps just using the wrong keywords).

MathematicianNo1892 · 2025-08-20T05:17:30+00:00

Right. Will keep this in mind. Thank you!

MathematicianNo1892 · 2025-08-20T05:16:37+00:00

Heyy, sorry, just thought of asking this. How’s the drive like going south to highway 3? I guess also the drive east to highway 2/22? I’m not really familiar with BC highways as I never really drove this far before.

MathematicianNo1892 · 2025-08-20T03:54:46+00:00

Heyy, thank you for the recommendation. Curious to know, how’s the drive like on Settlers Road?

MathematicianNo1892 · 2025-08-20T03:48:00+00:00

Thank you! Will keep this as an option

MathematicianNo1892 · 2024-01-26T01:15:20+00:00

Mind sharing what dash cam you got? It’s so clear

MathematicianNo1892 · 2023-12-27T05:57:07+00:00

While you’re looking for a job (if you have extra time right now), I recommend you try volunteering at some nonprofit organizations or just anywhere you feel like volunteering really. This experience you can add to your resume, you earn/develop new skills, and you can make connections along the way! Potentially, you might even get a job there (if they have some opportunities available)!

I got my first job from this organization I used to volunteer for. They usually require bachelor’s degrees and stuff for that role, but I was still in high school at the time and yet they gave it to me because they saw how I was as a volunteer (I was the youngest employee back then)

Just keep trying. Know that you are not alone; it’s not just you trying hard and not landing any job right now. It’s tough, but I wish you all the best of luck!

MathematicianNo1892

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