Petro Canada mobility has been great for me for a cell phone provider. They get their coverage through Rogers, so if Roger's covers you in Nothern Ont then so will PCM. I bought my phone through PCM, I pay what works out to about $8 a month for my limited calling and unlimited incoming texts, also voice mail is included.
As for car insurance, mine is a bit high, but it's full coverage and has all the bells and whistles, such as and a reduced deductible for 20 years of clean driving, wife also has clean driving record. For a 2010 Corolla and 07 SX4 total is $125/month, keep in mind I'm also on the east coast.