[f0rge]

I'm downtown (Yonge/Bloor), 32 and I pay $198. The car is classified as a "pleasure vehicle" since I walk to work, although there's no limit on the amount of KMs I can drive per year.

I'm with Aviva but I deal with a broker. $300 deductible. I have no tickets/accidents on file, although I did just get a ticket for 20 over (and 3 points) this past April that I'm sure I'm sure is going to screw me over somehow.

For whatever it's worth, my 2004 (8years old) M3 was $223/month, so it's definitely not the car that's jacking up your rates.