A major difference between Ontario and Quebec. Considerably cheaper in Que. and they have a horrible reputation there. On the other hand we have a lot of staged accidents also especially in Bramladesh (Brampton) When my buddy was on the Toronto cops he was in court and listened to an women of certain ethnicity explain how she got hurt when hit by a car. The next case was the same women with another claim. And we wonder why the rates are so high.