[bcrdukes]

For some reason I can't edit my post, so here it goes:

Just know that with being in BC, you have the option of choosing private insurers for your collision, comprehensive, and 3rd party liability options. Seeing that you can save a good chunk of change going with either Family or BCAA, you have every right to exercise that option. Just know what you are signing up for and go through their policies with a fine-tooth comb, and compare with ICBC. If the policies meet your requirements and are comaprable, then you have the option to make a decision on who you want to purchase your insurance from. Should anything ever happen (i.e. you royally get bent over and get screwed by Family / BCAA etc.) you can default to ICBC. In Ontario, you get screwed, and it only gets worse from there.