HI TERRY CHECK WITH DALTON TIMMIS THE PERSON I TALKED TO WAS IN HAMILTON ONTARIO MY RATE LAST YEAR WAS 1040.00$. I SWITCHED FROM TD PRIMMUM THERE RATE WAS 1640.00$ FULL COVERAGE WHICH WENT UP OVER 600.00$ FROM THE YEAR BEFORE. I HAVE ALL MY POLICIES WITH AVIVA WHICH GIVES ME SOME DISCOUNTS. HOPES THIS HELPS.