Good news, just read that car insurance on Ontario has gone down in the last 6 quarters, including the most recent 1/4 ( 4th of 2006 down 0.16% ) for a total of 6.61 decrease over this period. I get asked a lot about what will happen to clients rates. Insurance companies always change rates by average, so one group of drivers may get a larger decrease/increase than another, depending on lots of factors, ( eg: postal code, age experience driving record ect ect ect ) some may even go up when an average is showing as having gone down overall. So it's impossible to really tell what going to happen to a persons rate ahead of time.