Should I begin to file a lawsuit on my insurance agency? Guy who works on this insurance agency told me over the phone the price quote I have been waiting for almost a week for my car and the price quote was so high that it literally almost gave me a heart attack over the phone, yes I was taken to the hospital so should I file a lawsuit?

I can't afford insurance in Ontario. The basic rates for males under 25 are the highest in all of north america. I was thinking of changing my legal address to Manitoba to apply for their insurance whilst forwarding all my mail to my actual address.

I can't take public transit, I live and study in the suburbs. I'd also have to bike 20kms each way to work otherwise.

I was quoted between 6000-8000$ /year despite no accidents,tickets and choosing a relatively cheap car to insure.

Someone asked what I thought was a pretty dumb question a few minutes ago about how much insurance would be for a Rolls Royce Phantom.

I thought, "sod it, let's find out" so I looked one up at random on Auto Trader (It's on sale for about £112k at a dealer in Bolton), put the reg number onto Confused.com and waited for what I thought would be a telephone number rather than a quote.

Imagine my surprise when I got this back.....
Click Here (screenshot)

I live in a city, car parked in a driveway, full NCB and let's just say I'm over 30......

Car insurance expensive? Nah....

My car is due for it's Insurance renewal, however rather than going with my current provider I have decided to visit a few price comparison websites first, to see if I can get a cheaper quote. First up I went on confused.com and started filling out all the usual details but then came across the section where they want me to provide a value for my car which has really stumped me.

I know how much I bought the car for and I know that obviously it's value will have greatly depreciated since, but not being affiliated with the motor trade, how can I possibly ascertain it's value?

Are there any reliable and trust-worthy websites I can use to make an evaluation?

It would have been good if confused.com provided a means of calculating my car's value.

I don't really want make an estimate (although) tempted in case I am well off the mark and end up invalidating my insurance.

What a quandary to be in just to meet the obligation of a law-abiding motorist.

If anyone can help me with this matter,

I look forward to hearing from you

I know I make enough to live with a room mate, no problem, but at 23, being out of college, I feel I am past that now. Ive lived at home for a year now after I graduated. I need out, and I want to live alone. What do you think?

Income: take home 2250 a month AFTER all insurances and 401k (save 300 a month for 401k)

Rent 700 that includes all but electric
Electric: 40-100 depending on month, estimate based off electric payments of area friends
Car: 200 payment
Gas: 100 this is current, wouldnt change
Cell phone: 50, current would change
Food: 200, estimate
Internet: 24, current wouldnt change
Entertainment: 100, current wouldnt change
Car maint and misc (gifts, co-pay, oil change, etc)- 100, current wouldnt change
Personal hygiene and household supplies (laundrey etc)- 100 estimate for household supplies
Renter's ins- 15, estimate based offf quote
Car insurance: 80, current wouldnt change

Total : Around 1800. What else am I missing from budget??
Savins: Id like to save atleast 200 a month in liquid savings. And 50 a month for vacation fund.

I do have an emergency supply

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