now a bit of background: i got my driver license pretty late in my life, compared to most people.....on the bright side, that meant i didnt get into any silly accidents as a teen/young adult.


so now, i've had my license for a full 5 years, and then some. zero accidents at all. i live in the lower mainland, BC, so it is an urban area, which means higher density.

and yes, i pay for full coverage + roadside (but minus any replacement cost/depreciation options). deductible $300 for both collision and comp.

and i pay ~$2300 per year for this priviledge.

i just wanna know if im being silly thinking this is too much money?
is it me? or is it the car?

i mean, this is a pretty basic, cheap (albeit still modern) car. i woulda hoped it would be lower premiums....