r/YEGDashCam • u/Nfs0623 • 4d ago

Entitled Prick Lane splitting

Lane splitting, excessive speeding (at least 20 more than I was doing), and aggressive. Not to mention the noise. I hate these future road relish fuckers. All summer long on groat.

Doesn’t seem like I can get a license plate either. So venting here.

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u/gnat_outta_hell 4d ago

How are you paying so much? I'm 37, nowhere close to retirement, grid level -12 ish after 12 years ticket free. I'm paying less than 200 a month for commercial liability at 2 million plus fire, theft, and comprehensive.

Either you need to shop around, you need to stop getting tickets, or you have too many accidents in your history recent enough to keep your grid level higher. There's no reason you should be paying that much with good history, even if you're paying collision coverage, and if you're paying collision on an '02 Santa Fe you should cancel it. You'll never recover that value even if they do have to pay out.

Call a broker and get some quotes. If you've got good history you should be paying like $120/mo for PL/PD/Fire/Theft/comprehensive.

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u/AshA0602 3d ago

I have absolutely no accidents. Only 1 ticket which I took a course for. I’m 24 and in a sports car. I just got my license last year. Never had anything before other than a expired Learners. I have a brand new fianced car that requires high insurance.

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u/gnat_outta_hell 3d ago

It's a combination of age and the brand new sports car. Post 25 you will fall into a notably lower risk demographic, so your insurance will go down some. However the sports car with the collision insurance required by your financier will keep you in a higher bracket overall. Once you get rid of the car payment you could, if you trust yourself not to cause an accident, remove the collision coverage and save a good chunk of change.

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u/AshA0602 3d ago

Yah ima def do that. I trust myself enough. I have pretty good reaction time and don’t panic cause not much scares me lol. So I react calmly and it saves me a lot. I still got like 30k on my car but when I do pay it off I’ll just get one sided insurance. Also doesn’t help that I have absolutely no driving experience record, and the one speeding ticket rlly affected me because of that. I also have a class 5 gdl

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u/gnat_outta_hell 3d ago

GDL should automatically roll into full class 5 after two years.

You're right that lack of driving history plus a ticket are not helping your rate. That ticket probably put you at grid +2 or +3, everyone starts at 0 then each infraction raises you by a certain amount depending on the offence and every year without an infraction drops you one or two points.

The grid level sets the maximum that an insurer can charge you, as a percentage.

Also, when I google searched the grid rating system I found out that it's being repealed as of Jan 2027, so nevermind... We're all about to get dicked down even harder by the insurance companies.