<prompt> Human: I am in the market to purchase a car currently, but the car I have been using for the estimates is a new Hyundai Elantra L. I am considering all cars in that price range 19k and also used cars. If different cars would help my estimate please let me know as I will consider all options.I will be moving to the GTA Toronto in September for my new job, so I have been using an address from that area for the quotes as is recommended. I have clean driving record except for 1 speeding ticket two years ago. I have had my G full license for over 4 years. Any advice is greatly appreciated!EDIT: Thanks everyone for the advice! I read all the comments and I will definitely check out Belair Direct and Kanetix tomorrow. I will try out some of the other suggestions tomorrow as well, although I will probably avoid getting married and moving to Quebec. CheersEDIT 2: I tried out Kanetix and I was able to get a quote for 2,800. I then tried Belair Direct and I got 2,600. Unfortunately my University doesnt qualify under the Group Program discounts, otherwise it could even be cheaper! Thanks again to everyone who commented. This will help soften the blow.  <response>: It isnt fair. You are considered a high risk, and therefore have to pay more. I think this spread between low and high risk persons is far higher in the provinces with private insurance schemes scams -- opinion is mine: I mean public liability insurance is a public good and should be insured publically, not privately rather than a single public insurer. That said... Going with an older car, or one typically driven by the more mature crowd oldsmobile might get you lower rates. Less sporty, or non-high performance will save money as well. No turbo or supercharger. You can only lower your PLPD so much, but ask your insurer if they would give your lower rates if you took a safe driving course or additional driver training. Getting married may lower your rates as well as you are considered a lower risk. You might not need to get collision insurance on an older car, as you could just fix out of pocket or get a different car if you buy cheap. I always avoid getting windshield replacement endorsements as it seems to be expensive, and doesnt justify increase in all perils rates.Just for fun, as an example: In saskatchewan, you can use the SGI online calculator to get your basic plate yearly rate. This includes both registration and basic insurance 250K of plpd: enough to drive the car legally on roads.For example, using a hyundai elantra L, 2012, with a 5 safety rating on a scale of 15 or 20, I dont remember exactly if higher is safer, safer meaning less ticketsaccidentsetc: 1022.00 per year. You can add on more insurance, coverage for all perils, collision for like 40-50month depending on what you want, but its optional. 1022 will get you on the road. 