Get a quote before buying
Do not assume two vehicles of similar purchase price cost the same to insure.
Theft exposure matters
FSRA specifically notes that vehicles with higher theft rates can cost more to insure.
Trim and technology can matter
Sensors, lighting, body panels and advanced systems can change repair costs.
Financing can affect coverage choices
A financed or leased vehicle may need physical-damage coverage under the lending/lease agreement.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.