If you're one of many in the GTA who've seen their car insurance bill go up, Ontario's Finance Minister wants you to trust him.
Charles Sousa vows to reduce rates in the province by 15 per cent by August of next year.
However, that's only an average.
Announcing the reintroduction of a bill to crack down on fraud in the auto insurance system claiming it will reduce rates, Sousa couldn't guarantee those in big cities will see a lower bill.
He notes the number of fraud cases aren't as high in rural communities, so drivers in smaller communities may actually catch a break.
As for if they'll reduce rates by 8 per cent next month as planned, Sousa has his fingers crossed.
The average rate has been reduced by 5.4 per cent over the past year. Sousa says this newly introduced legislation will help to get to next year's goal.
Tory Finance Critic Vic Fedeli wants changes made to the proposed legislation, which he thinks will actually bring rates down - pointing to improving dispute resolution.
He brushes off claims by the province that opposition stalled the bill the first time it was tabled.
NDP Consumer Services Critic Jagmeet Singh calls the high GTA rates horrible. He says car insurance companies are not transferring any savings they see onto drivers.