Insurance depends on many things, not just your driving record. Type of car (and associated safety data) where you live, whether you have any affiliations with associations (ie. Ontario Teachers' Federeration, etc)....

Are you only quoting from one company though? There are loads of other "smaller" insurance firms that provide much more competitive quotes. Johnson's is one of them I believe.


Or you can grab a random woman and get married to her - that'll drop your insurance rate pretty good...