+3 for TD Meloche Monex.
They also have what they call a "forgiveness program" where if you're in 1 at fault accident, you pay the 5th year rate for the next 6 years. That way, instead of paying a crapload in the 1st year after your accident and having that gradually go down back to the lowest level in 6 years time, you pay the 5th year rate for all 6 years. I know it made a lot of difference for me.
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