That’s kind of because Kitchener isn’t really in the GTA. It’s in dispute but my workplace offers GTA discounts for one of the products they sell, and Kitchener is cut out of that discount. Workplace isn’t always right I know.
I believe the quote was on a TT, but from what I see the 300ZX Insurance rates seem to be pretty low. Not sure why. Maybe it’s their strength in accidents.