Apparently the Leafs and Aviva teamed up to offer discounted insurance rates to people in the Toronto area. I got a quote, it’s less than I’m paying BelairDirect and they take a bit of beating.

https://www.avivainsurance.ca/leafs

I’m smack in the middle of my term so I’m not doing anything with them for now, but just a heads up that the offer is out there.

Car for your time.