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Fun times with auto insurance quotes

Wow I am shocked at the range of auto insurance quotes I got. In BC you must get basic insurance with ICBC. Any other extended coverage can be with a private insurance company.

What I have now:
ICBC – $1,942 ($883 for basic + $1,059 for extended)

Coast Capital – $848 (total with basic = $1,731)
CDIDirect – $691 (total with basic = $1,574)

If I go with CDIDirect, that’s a HUGE savings of $367 per year (or over $30/month)! It kind of makes me wonder if I could have been saving on insurance costs all these years with my other cars and my scooter.

I’m going to do a bit more research tonight and then tomorrow I will most likely switch over my extended coverage to CDIDirect. w00t!

Do you own a GPS unit?

So I’m looking to buy a GPS unit for my car. We have a hand held one for when we go hiking, but that’s it. is selling the one that I’m interested in, the Garmin nüvi 265WT, for $229.99. I want to use my Swagbucks to get it, and I currently have around $135 in Amazon giftcards via Swagbucks. Makes me kind of wish I hadn’t used all those Swagbucks to buy travel books, but that’s neither here nor there. I’ll use then eventually.

I’m going to wait until closer to Christmas – because then maybe the price will have dropped again (list price was $402.37), and I will have a chance to collect more Swagbucks. Ideally I’d like to pay for the entire thing in Swagbucks, but that might not be realistic depending on how many I can earn. I also should have $100 coming to me from Google Adsense, which would fully make up the rest of the cost of the GPS but I’d kind of like to earmark that money for maintaining this blog should I choose to move it over to WordPress.

Do you use a GPS unit? If so, which one do you have, and do you recommend it?

If you haven’t already signed up for Swagbucks, please consider using my referral code! :)

My new car…

So, last night I bought a new car – a 2010 Suzuki SX4 AWD. I pulled the Car Cost Canada report on the car (which cost me about $40), but in the end because of that report, I got over $1,000 off the price of the vehicle – and there was only a $1,500 difference between the wholesale price and the MSRP. Whether that wholesale price is entirely true or not, I don’t know – but that was what was in the report, and I’m happy with the negotiating I did.

The price of the car came to around $25k, but after taxes, freight, PDI, etc. it was closer to $30k. I put down $2,000 and my bi-weekly payments for 48 months at 0% interest will be about $265. Which I am comfortable with. I could have lowered my bi-weekly payments and gone with a 60 or 72 month term, but I know I can pay off the car in 4 years or less (no penalty for paying off the loan faster).

In terms of the car that I chose, it was between a fully loaded SX4 or a base model Subaru Impreza (which was still more expensive than the loaded SX4). And after researching both models extensively and talking to people about both cars, I decided to go with the SX4 for a bunch of different reasons. It has more ground clearance, better fuel economy, 2WD and 4WD locking capability, higher driving position, and it looks 100% nicer than the Impreza.

Anyway, even though it was a lot of money for the car and I’ll be making payments for a few years now, I’m really happy with my decision. We’ll go back to the dealership today after work to pick it up. :)

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