Discussion Insurance Rates For Young Drivers

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Every Year we are seeing insurance rates climb for young drivers, turning the main expense from buying a first car not the actual car itself but the premium that comes from the insurance. This is a huge problem because in Ontario we simply do not have the public transport infrastructure like other countries (Like France or Germany), so in our car center society it leaves younger people at a disadvantage.

The Government says they regulate prices but clearly it is not working as the prices just keep increasing. This results in more people driving on our roads uninsured which leads to more danger for everyone and also more tickets. But when the price of a no insurance ticket is less that a full years insurance premium can you really blame people?

I wanted to create a space where people can share their possible solutions to the problems with insurance, and to maybe just build a following to see how many people that this issue is truly affecting because maybe there needs to be a collective of people that come together in order to hand a notice to the Ontario government.

For me personally, my premium is $480 CAD/ month, this is for a small motorcycle and a economy car in which I am the primary driver on the bike and secondary driver under my parents on the car. Considering I can only ride the bike for 6 months out of the year and I am only a temporary driver under my parents and I have my full GM license I find these prices ridiculous.