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Izabella Bryant is an 18-year-old with a busy life juggling two part-time jobs, full-time college studies and soccer games and practices throughout the week.

That’s why she decided to buy a car to get to all the places she needs to be, saving $10,600 to buy a 2013 Nissan Altima.

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When it came time to insure her first vehicle, she knew the ICBC premium for a young driver would be pricey.

But she wasn’t prepared for the actual sticker shock that followed.

“The bill was $5,300 for one year,” she told me. “I was stunned. I thought, ‘Are you serious? That’s half the price of the car!’”

Bryant has no accidents or driving infractions, leaving her wondering why her premium could be so high.

When I asked ICBC, the public auto-insurance monopoly refused to comment unless Bryant signed a disclosure agreement waiving her personal privacy rights.

Eager for an explanation, Bryant readily signed the waiver, as did her dad, John.