High Auto insurance rate in Toronto

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Auto insurance rates are sky rocketing in Toronto especially in peel regions   Residents having good driving record and no claims for even15years has to pay high rates every year  a middle income group family  can’t afford those raising rates  They invest those money and get profits but never pay back a single penny to the customers At least do not penalize people with no claims and give a discount when renewal we request to the government to bring legislation in this regard