Did any of you try registering a car in Quebec to fight Toronto's insurance rates? Although I have a valid address in Montreal and want to reuse it later, I think this is a great idea for a Toronto resident if you have a car (or many cars) that you want insured for occasional driving.
Of course, a dd/winter beater must be correctly insured in Ontario because of the accident risk involved.
In theory you can:
1. go to Canada Post in Quebec and open a P.O. box
2. call a SAAQ inspection station ahead of time
3. after booking an appointment, drive to Quebec, get the car inspected and drive back.
4. get it fixed and drive back up again.
5. After approval, go to SAAQ office, present your inspection and recieve your temporary sticker. This can be done with Ontario DL.
6. Your temporary sticker must be returned to the SAAQ for new plates (which can even be done same day).
7. Drive to Toronto.
8. Drive back to Quebec. Recieve your $250 annual registration fee in mail. You can prepay in advance for more years, so you don't have to return.
9. Go back to Toronto and laugh all the way to the bank
NOTE: This will cover liability insurance for the whole year. This will not cover damages. This is why it's advisable to use it on summer cars, track cars, etc.
NOTE 2: If you miss the $250 payment then you will not be able to re-insure again. You will be required to re-apply for the SAAQ inspection test. Also need to take 2-3 days off work and spend $200 in gas. But I think it's worth it.
NOTE 3: If you are pulled over you can say "I just moved to Quebec but visiting my family in Ontario". That should be appropriate enough. I have been pulled over in Quebec, with my Quebec car and Ontario DL with no issues.