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At this rate, it might be better of to just rent cars from those big car rental companies.
They have their own ICBC coverage, and as long as your credit card has rental collision coverage, you are largely okay.
Of course, you would responsible for any other damages that may have caused if you crash, but hey, if you didn't crash your car under your own insurance policy, why would you need to extensive insurance coverage?
$2000/yr for a compact car just on insurance (with max. 43% discount already) + depreciation + maintenance Vs ~$100/week at Budget.
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