Driving Background : My son is 21 with a Full G license for 1 year now, Clean driving record under my insurance (occasional driver) for 2 years....He just purchased a 2010 Mazda 3 GT and was quoted by Bel Air Insurance $261.00 / Month, Full Coverage living in Hamilton, Ontario !! I thought that was reasonable compared to other quotes we were getting from other Insurance companies, Bel Air was the cheapest for young drivers !! A little more Info : ... He just graduated from College and SCORED his first job with Siemens Canada in Peterborough, Ontario at the milltronics plant....He phoned back Bel Air Insurance with his new address (basement apartment) in Peterborough and his Insurance dropped from $261.00 / month to $171.00 / month !!! WOW !! I couldn't believe it !! I guess your living location has a lot to with insurance Rates !! Huge savings !! Anyway, thought I would share some info !!