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opal said:
They're basing it on "location" - I'm moving to St. Jacobs from Waterloo, a whole 10km.

Yea and what are you confused about? Auto insurance is based on location, age, sex and driving history. You may have just been on the border area for rates, now you're in another rate area.
 

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The best thing you can do for your insurance prices is to get a $1,000 deductible. Why people chose a zero deductible is beyond me. Just stash the deductible in an interest earning account. The odds are you won't need it anyway so why pay for higher interest?

You can do the same thing with regards to an extended warranty. Take the money you would have spent on one and set it aside earning interest. The odds are you won't have so many problems that you use the money all up. So why pay for an extended warranty? Probably because most of us can't save money and/or are lazy.
 
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