A good place to start for 18 and under are independent brokerages, not direct writers. They tend to want the business and will spend the time with you, plus being 18 you might they might find you a company that will send you through less hoops.
To get insurance (if your vehicle is older) you will need the inspection first...Then you need insurance in order to get your vehicle registered. It is not the same as the BC system as I am sure you are aware.
You pretty much have to do it that order, but you might want to get your insurance first or at least inquire as you might be able to skip over the whole inspection.
Canada Broker Link
Blue Circle (don't personally like them but if you need financing and you have bounced some cheques in the past they will help you...for an arm and a leg)
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