I configured last night, I have contacted my insurance company and they gave me a reasonable quote but said they need a VIN to give me proof of insurance, is this consistent with others experience at this stage? Also visited a couple banks CIBC said use my line of credit which is bank prime plus .5%, so 3.95. I then went to RBC and a very candid young guy told me to get a second mortgage with CIBC at 3.45 fixed or 2.99 variable. Anyone else heard of any out of the box ways to get cheaper credit? Neither bank seemed to think a car loan was the way to go.