I’m in Ontario, and insurance is ridiculous for everything. When I first started driving several years ago, I lived in the city, and I was given quotes up to $700/mo. Now for three vehicles in the middle of nowhere, it’s about $250/mo.
I pay cash for all my vehicles (I hate loans), so liability is all I pay for. Nothing I own is worth the cost of comprehensive… If I break it, I’ll fix it myself.
I’ll be the only person where I live who rides. I’m in a small town, and neighboring towns are about an hour away. So it’ll just be me, which I tend to prefer most of the time anyways. I got my rider course in june, so I’m super excited for that!
Oh there’s definitely groups around… I just need to travel about 4 hours haha.
We just have 1 main highway, and another section of road that is less used. All my group riding is with 4 wheelers or snowmobiles. I almost always keep someone in the know of where I go, since unless you’re directly in town, you likely won’t have cell service.
If you’re ever interested, I use a device called Zoleo, which allows you to send messages and call for emergency help via satellite. There’s a monthly fee, but if you’re ever out constantly like I am where there’s no service, it’ll help you out. I’m sure there’s other options too, but it’s for sure a useful tool, especially if you’re stuck down a ditch and can’t move.