Too nice, must insure tomorrow.. anyway, is it cheaper to pay up front for say 9 months insurance or to do the autoplan12 and do a year, pay monthly and cancel around november? If you insure for less than a year is there "short term charges" and are these charges more than the cancellation fee? Seems to me if they are it would be better to do autoplan12 and cancel. I would ask the ICBC people but they're a bunch of lying thieves, the more money I spend on insurance the more shows up on their paycheck. Any info appreciated thanks.