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@loveofgod220 id listen to your agent. did you ask him to elaborate on how that would play out?

@ijrgerohnoxi not all companies require that and agents who fit their customers into loopholes are much more ethical then those who don't roll with the ins and outs of insurance. agents are there to get you the best deals, and save you money where possible. who wants an agent who makes you...

@sam_august_92 gap insurance covers the difference between what your car is actually worth and what you owe in the event of a total loss. independant insurance agencies are recomended because they offer several companies that dont sell directly to the public. its not the case of "cheaper" ...

@sam_august_92 call local independent insurance agencies. yes thoes tickets are surchargable for 5 or so years. take an approved defensive driver course for a % deduction. thats about all you can do. you do have gap insurance right

@knicole97 using a broker is fine, i usually highly recommended it, just... not your dads lol

@knicole97 i suspect, if Canada is anything like america, if they run your reports and find it, they will surcharge you, if they run it and dont find it, or dont consider it then thats good for you. i dont volunteer things that might cost me money. i assume they will do their due diligence and...