ICBC, holding a monopoly on basic auto insurance in BC, has little incentive to offer innovative services or reduce costs to consumers. Furthermore, in November 2016, ICBC projected that insurance rates would increase by 6.4 per cent in 2017, 7.9 per cent in 2018, 9.4 per cent in 2019 and 7.9 per cent in 2020. For many families in BC, this rate of price increases is unsustainable, and not insuring a vehicle is not a viable alternative for those living in much of the Fraser Valley. Transit service east of about New Westminster is generally infrequent and slow, and is insufficient for many people to rely on every day to get to work, buy groceries, access health care services, etc. Apart from being unreasonably expensive, ICBC's lack of innovation also discourages transportation strategies that could reduce congestion or emissions. For instance, I have both a car and a scooter, and during most of the year I would be delighted to drive my scooter to work on sunny days rather than drive my car, thereby reducing my carbon emissions. Unfortunately, ICBC provides no discount for people who insure both a car and scooter simultaneously, even though I can only drive one at a time. Consequently, I choose to insure only my car most of the year and leave my scooter sitting unused. Many private insurance companies (e.g. Geico, Allstate, Progressive) offer discounts when insuring a car and a scooter/motorcycle.