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The province of Ontario is being urged by an auto insurance expert to embrace a consumer based approach to lower premiums and to increase competition between providers. That is the view of Holly Bakke, principal of Strategic Initiatives Management Group LLP and a past New Jersey commissioner for banking and insurance.

http://www.shopinsurancecanada.ca/blog/news/u-s-auto-insurance-experts-says-consumers-approach-vital-in-ontario/