you are looking at this in the wrong way.

insurance companies insure the DRIVER, not the CAR. a 19yr old single male driver living in richmond hill, with his parents, driving 25,000km per/yr, with not tickets, using his car to commute to work, school, and for pleasure will pay roughly the same insurance for a new honda civic, or an old beater ford tempo. why? because the risk is the same. the car is cheap to fix and replace.. youre not paying for that... you are paying the high price for the liability portion which pays for personal injuries etc.

your not the brightest there are you ricer?
if your going to do comparisons do them within canada. you could say that england has cheaper insurance, so they're the greatest. ( i dont know if they are or not just a dumb statement)
but you want cheaper insurance? is that your ultimate goal? according to you the states are cheaper right, so then you can also start paying your medical bills cause insurance helps out there too. but it wouldnt matter cause you have $10,000 you can give someone if you run over their child.

as for the mentality of an 18 year old, thats one of the funnier things ive read. thank you. but its possible your just too stuborn and possibly immature to notice that people on here have actual valid points backed with an education, and you have only opinion. an opinion based on bad rates of someones bmw, which i agree are high, but maybe its them and not insurance. try shopping around more, and im not taking it in the ass with insurance, im 25 and insure three cars, a CRX, a 4runner (lifted and modded) and a 2000 jetta, i pay $198 for all perils coverage (full coverage) for all 3

so if you want to have a real discussion about insurance and educate yourself about why your being raped by insurance then fine i'll have one, but if you have no interest in listening and actually learning then dont pay insurance, you'll be well educated when you injure someones kid and are put in jail and lose everything because they sue you for half a million dollars. or you hit someones car and try to pay him off and he beats the crap out of you..................goodluck with life

Trust me there is a huge misunderstanding going on in this thread for a while now...

...Again, to make things clear, I'm not against the idea of insurance. There is no argument against having insurance.

The root of the problem are the rates. There are plenty of bad drivers everywhere in every country, but not everyone goes by the fvcked up insurance system in ontario.

And what you're considering/planning to do is the answer to the problem?

Idiot like you knows nothings better than scamming.

Hahhaa trust you? You talk just like any trash i've seen on street. Your post clearly shows you dont know shiet about stats. Ever play poker? i advice you not to.

No, never played poker.

I did, however, pass grade 5 English class unlike yourself.

Bravo.... here a cookie.

LOL at your come back. This is like school ground for you eh?

ricernoob has it pretty much its obvious who's the ignorant one here. What do you propose by people taking matters into their own hands though?

It's the same when gas prices are high. Gas is a much needed commodity for our society to function. We as consumers are powerless to control the prices because we don't work collectively to achieve that goal. How would this work for auto insurance? Only the government can step in and end these shenanigans.