Agreed ~ so many factors go into your vehicle insurance premium from your own driving record, previous claims, where you live and so forth.

My 'home childcare ryder' on the vehicle which basically just gives additional liability insurance for up to 5 children in place of the normal minimum for Ontario cost me less than $50 a month ... which works out to the comparison cost of 2 public transit trips a week but gives me the freedom to go out and about without concern over bus routes, waiting and so forth.

My advice when calling is to make sure that you are telling them you just want a 'home childcare ryder' because when I first started out I made the mistake of calling and saying I wanted to be able transport children to and from school and field trips as part of my business and what kind of insurance package do I need for this got quoted a NASTY premium of over $400 a month .... because they thought what I wanted was 'school bus / taxi / public transport insurance' where my prime business would be transporting children ALL DAY EVERYDAY which is not the case at all ... even if we do a school run daily it is not our 'prime' business to transport via the vehicle it is one short trip to and from so to speak and usually driving them within 'walking distance' we are just choosing to drive due to inclement weather and so forth cause if they are far enough away they'd be bused themselves via the school board