location plays a large role too.Just checked again with TD Meloche Monnex. They still don't have the Model 3 in the system, so they set up my insurance for the Model 3 70D...the price is slightly different, so it might come down a little, but overall, they gave a petty good rate ($900/yr). TD seems to have good rates (from the ones I have seen posted here)....my rate could be relatively low because I have my wife's car and the house insurance....and I have had my car insurance with them since 2001.
Plus.. I have found it to be very consistent that quotes based off of the Model S 70D have actually been lower than for the Model 3.