I was the primary driver on the vehicle, and had 1 year driving experience with a G2, no tickets. After i "gave" my e36 to my mom, my insurance (for me and her) went down to about 3K a year. A year or two later it went down to 2K. You have to remember this was 8 years ago as well, e36's are barely more expensive than civics of the same vintage now.
Did you live in the M postal code? If you live outside of the city (postal code starts with L) your insurance will be cheaper, sometime significantly.
I run a canadian HID kit company, if you have any questions about hid kits in canada or would like to check out our products please contact me here: http://absolutehid.ca
Hot: 2001 Estoril M Roadster
ZCP 19's michelin supersports, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt
ZCP 19's michelin supersports, deoranged, dechromed, led tails, ZHP knob, UUC SS v3, GROM, OEM 18's w310's,