Private insurer I went with was significantly lower than ICBC.
$2.8M (+$200k from ICBC), Deductibles are $300 Coll, $200 Comp., Full replacement value for 5yrs, and some other extras that I believe ICBC doesn't even offer. Only $1079!
Add ICBC's 1175 Base = $2,254 - Almost $1,200 cheaper...