[Casper]

This is all pretty interesting to read, as I work for a vehicle leasing company that finances cars coast to coast. I used to handle all of the insurance write offs.... and still advise the current people that do it. At one point or another, i've dealt with every insurance company in the country.

Overall:
- Ontario gets raped for insurance costs.
- The prairies get a killer deal, as the have the combination of low accidents (no bloody hills!) and public insurance (MPI in Manitoba, and SGI in Sask).
- The Maritimes aren't bad..... low accident rates, and private carriers.
- Alberta used to be as bad as Ontario, but the provincial government stepped in and legislated rate caps.
- BC is the middle of the pack. The benefits of lower rates from public insurance, but the varied terrain and population density that Ontario has.

If you ever write your car off, however....
- Alberta has the fastest settlements
- 2nd is the Public insurance companies, and you're more likely to get a better settlement as they're all union gov't employees that really don't care
- Ontario is the worst. Stingy adjusters that take forever.