 British Columbians have been saying for years, ICBC rates would be fairer if low-risk drivers paid less and high-risk drivers paid more. We agree and want to make all drivers more accountable for their decisions and driving behavior. Where you drive, what you use your car for and how long you've been driving crash-free helps determine your insurance premiums. While improvements have been made over the years, the model is over 30 years old. As a result, some drivers pay too much and others not enough. We want to fix this to make the system more fair. With proposed changes, two-thirds of customers pay less and one-third pays more.