I'm afraid I'm not the person to ask, I come from a family that simply doesn't care about cars. Since you're moving to Surrey, it's going to depend on how much previous experience the ICBC credits you with -- if your driving record isn't recognized, then you are going to have to pay beginner rates, which can be very high.
Your first post said that you're worried, which is normal -- if I were you, I would consider very carefully before moving to Greater Vancouver. Rent is extremely high, and jobs can be very scarce. You say that you have a relative there -- but that is a limited benefit, compared to having an acceptable beginning job. Alberta and Saskatchewan are lonelier and colder, but you will find better work here. I made the mistake of trying to balance everything -- family, weather, job, nice place -- when I landed in Canada, and ended up with everything but a job, which made everything else pointless. Be careful before you tie your money and life up in Surrey.