look at tripadvisor Seattle forum for a whole section on overview tab for trips to vanc and victoria. I cross the border often, I just did a round trip this week. There is a website called borderwaittimes.com or something similar. It was 90 minutes thursday afternoon, so yes its not that easy, but you can drive 30 minutes and cross at Lynden which will save lots of time. I've never needed a Canada Insurance card but you should see if the car company allows driving in Canada (most do).