this post was submitted on 31 Dec 2023
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Yeah I've heard from a few people they pay less for auto insurance in Alberta vs BC. But there are many options for insurance that will effect your rates so unless they are comparing the exact same plan it's hard to compare.
I suspect it's a mix of private insurance and all the large pick-ups used in the oil and gas industry. It probably spreads to all the other drivers a little. There are a lot of contractors with big expensive truck sitting at around $100,000 in value putting around oil and gas country.
Corner cases aside, you will note the article compared similar plans and similar driver experience. Whether we can game the results for a particular driver is an academic problem most of us don't have time/money to figure out.
Remember this important fact: when there's more than one (eg private) insurer, none of them need insure you. When the only insurer is the gov, the books need to be more open and rejection becomes a media issue.
As a friend in Washington is discovering after a minor roof problem and then a major pipe problem a decade later, both involving water leaks, you can be dropped from your private insurer if they decide your two claims show a trend. And once you've been blackballed by one, you're lucky to get insurance from anyone whose name isn't, in fact, Lucky.