It's simply how insurance works: Everybody pays a relatively small amount so as to protect Society as a whole...
And "Noo Joisee" is not exactly a hotbed of great driving... :shocked:
Plus; Your Age, location, driving experience, marital status, claims records, credit report, and a host of other factors will be used to determine what the premiums are.
I'm glad that you found a decent price! :thumbup:
(I'm paying $705 per year; but with a chargeable accident...

pps: )
Please remember that premium alone is not the best way to purchase insurance. Kind of like buying Spyders;
service during and after a claim will make or break the experience.