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I think insurance depends on.

1.  Brand/year/Model of the car (which car has higher percentage of accident/stoln rate, will be more expensive)
     (http://www.icbc.com/insurance/insura_prmset_vehicl.asp)

2.  Color of the car (Black, and Red will be more expensive)

3.  Rate Class (http://www.icbc.com/insurance/insura_prmset_ratcla_listPU.asp)

4.  Where you live (Believe it, my friend has higher insurance rate in East Vancouver than Richmond)
      (http://www.icbc.com/insurance/insura_prmset_territ.asp)

http://www.icbc.com/insurance/insura_getsta.asp
http://stay.snowinparadise.com

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