Ontario still has gouge insurance though, and I hope that Alberta rates get held down.
We had the right idea with a maximum $5000 settlement for soft tissue injury in exchange for liability maximums, my insurance is below grid rate now (five years driving, no tickets, no accidents).
Saskatchewan has no-fault insurance and everything through SGI and they have similar soft tissue limits. Saskatchewan is on the right track but ICBC is not.
I would like to see that to hold a driver's license you have $200,000 liability based on the number of demerits, experience, convictions, etc. and you are insured driving any car with a valid plate.
My insurance is about $1500 a year for a 1999 Malibu V6. 21 year old male, $250 deductible on comprehensive, $1000 on collision. No tickets, no accidents. I was shopping around and on a brand new car I would be looking at about $2300 a year. Liability only with a $1000 deductible I would be under $800.