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Kim Marcum she got us a super price on our car insurance. She also speaks very good English. I'm in the process of switching over all my policies to her. Car Legal third party etc.
The system here works on a percentage anywhere from 200% for a young driver to 25% for an experienced one. You should ask what the % is. I don't have the paper work handy so I can't give you the exact term.
When we first applied for car insurance they accepted a letter (hand written on letter head) stating we had 7 years no claims in Canada. got something like 40%. (in other words very good rate).
rob