People whine because they are poor and insurance is expensive. Especially if you don't meet the requirements you've posted up.Kenneth wrote: ↑I'm not sure why everyone whines so much about insurance in Toronto, sure it's not as directly as cheap as the provincial plans or as cheap as those living in Timmins. But compared to other major cities in North America, we pay pretty much on par with New York city and Chicago drivers.
That being said as for the OP once you meet the following:
Over 25
At least 7 years of continuous insurances
No claims/tickets
You can live in the worst part of the GTA and you shouldn't pay more than $1,500 a year for a new average car.
Compared to government run insurance (BC) I don't find the system here to be very fair towards new drivers.
They penalize you right off the bat. They don't even give you a chance to show them that you are a safe driver.
Basically if you are under 25 and you want to drive any car that is considered fun - Toronto thinks you are a mass murderer and doesn't want you to drive. If you do you will likely street race every night and run over little kinds and old people. So charge them $$$$$ so they can't afford insurance!!
But to be honest.. I see so many old people on the street driving that really shouldn't be driving anymore. The only reason they aren't dead is because the smarter drivers spot them from afar and avoid them or give them room and space.. All it takes is two old people who don't know what they are doing and you have an accident.
kthxbye