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The impact of a rate change on an individual consumer basis will likely be substantially more than 2.42%. The increase will depend on where the consumer lives, the type of car he or she is driving, and other risk characteristics involved such as driving record of people operating the vehicles. FSCO promises that they will continue ensure that insurance companies' rate changes are reasonable and justified. They will ensure that the rates insurers charge are balanced and have a strong ability to meet their future claims costs. Insurance brokers need to know quite a few details to get your insurance rate down to a reasonable amount.

Tips to help save money on your insurance quote: • Accept higher deductibles, try a quote with $1000 collision and $1000 comprehensive • Install an aftermarket car alarm system, this will earn you close to 20% discount off your comprehensive coverage, boomerang is one example • Combine your automobiles and home, condo or tenants insurance policies together to receive additional discounts • When possible, use public transportation, this will keep your annual kilometers down and change your insurance class to a pleasure use driver and this will reduce your rates further • Sign up for a Drivers training course that is recognized by the Ministry of transportation and is an approved driver training course • Don’t modify or customize your car • If you have an older car and will pay for physical damages yourself, you should opt out for comprehensive and collision coverage and request third party liability only to protect you in the event of a lawsuit