Policy inputsVehicle
Maps to a rating territory. Burnaby → Territory D (Lower Mainland).
MSRP only matters above $150,000 (then HVVCF = 2.0). The car does affect Basic via
ASTF: a factory AEB system gives a 10% discount (standard on modern Mazda3). Make/model otherwise
matters mostly for optional collision/comprehensive (not rated here).
Listed drivers
Basic rates on who drives. Each driver's Individual Driver Factor (IDF) =
EXF × MCF × SDF × NRDF × EAF. With two drivers, ICBC combines them (Schedule D, s.8).
Premium estimateAnnual
$—
per year · mandatory Basic coverage
Source: ICBC Basic Insurance Tariff
· base rate $903.55 · Schedule C (class×territory) · Schedule D (Combined Driver Factor, Tables 1–5).