So, now that we are back home, I'm finding some things have changed in the past 5 years! Our previous insurance company (Liberty Mutual) is now TD Canada Trust, and the quotes I have got so far are VERY expensive!

While in California for 5 years, we did have some claims:
1. in 2002 car totalled by drunk driver running stop sign (100% other driver's fault)
2. in 2003 a rock fell on our windshield and we had it replaced... $250 deductible on $400 glass
3. in 2004 fender-bender in private parking lot which was "considered" 100% my fault (of course I think it was not) by insurance b/c I was in reverse at the time. There was no visible damage to either car but other guy later claimed $499 in damage (!!) Rates did not go up then but apparently trashing our good rate now that we have to change companies.

We've both been driving and continuously insured since 1990 (in Ontario 1990-2000 and USA 2000-2005). Car is a 1998 S70. In CA we were paying $65 a month for full Comprehensive with low deductibles.

No tickets or convictions including for any of the above.

Anyone have any recommended companies? Student discounts? Volvo discounts?