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When 26-year-old Hameed Yousufzai came to Canada from Afghanistan two years ago, he quickly realized he needed a car to get around the city of St. Catharines, Ont., where he settled. When he first bought a car, he paid about $450 a month for car insurance. Yousufzai had been driving for seven years, but says no insurance company he checked with would take that history into account.