are you in WoodBridge proper, or sort of touching on Brampton, the closer you get to Brampton to more your going to pay. I'm over in the east end in Scarbage, and I'm paying $1050/2010 RIIIT full coverage, and $1150/2020 R3GT full coverage, but i had to bring over the car and house policy, which was fine, those stayed the same (Wawanesa). It doesn't matter how much experience or training you have, they are going to nail you. I'm MTO certified to teach and test the M1 to M2 course, along with teaching the M1 course I also teach advanced riding courses, and I have taken advanced riding courses, but as far as insurance is concerned, none of it means anything.