Tina:

I ran into the same thing when I moved to ON from Halifax. At the time I was carrying a non-fault accident from when I lived in Ohio (other party refused to pay despite being the one that ran the light - no witnesses and no citations) and a couple of windshield claims. Pilot Ins. was the cheapest my broker could find. In any case, I just got my next renewal with Pilot, despite two late 90's Volvos (and a '99 VW diesel for my 23 year old son) and clean records all the way around, my premium is $3400/yr. I know when I was in Ohio with similiar circumstances with my other son driving and newer cars (for the time) my premiums were way less. Unforunately, I chalk it up to the fact that there just isn't the level of competition in the Ontario market, they have that funky semi no-fault thing going, and compared to NS, ON drivers aren't that talented. But I sure would suggest that you shop it around as Volvos are about as cheap a car to insure as there is (compared to Mercedes, VW, BMW and Jag which were the other makes I considered at various times).

Good luck,

Hi Tina,
One question - Is it necessary to report claims out-of-country?
(I would think that your Cdn driving record 1990-2000 would be all that
should apply if being insured by a Canadian carrier, especially if you have a
previously claim-free record & particularily since we changed to "no-fault" a
few years ago which jacked up everyones personal rates.)
One recommendation - Use a broker, let them do your rate shopping for you.
Good luck,
Armie
--
'94 850 154000kms '86 760GLE 272000kms 95 Silverado4x4