Compare Barrie Car Insurance Quotes For Free
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Matt Hands, Business Director, Insurance
Barrie is regarded by many as the city that separates Toronto from the north’s cottage country. Yes, Highway 400 runs right up the middle of Barrie, making for a frustrating drive for residents on busy holiday weekends, but with one of the fastest-growing populations in Canada, Barrie offers much more.
Savvy Barrie drivers know they can use highways 26 and 11 to move about their city to visit the lovely waterfront or one of the downtown hotspots. That’s not to say it’s easy to drive in Barrie – according to one study almost 90% of residents commute to work in a car, that’s a lot of traffic.
If you're driving in Barrie, be sure to have snow tires. Barrie lies in the snow belt region gets pelted with huge downfalls of snow.
Car insurance in Barrie, and across Ontario is a requirement for all drivers. To operate a vehicle in Barrie you must have insurance. To get the best car insurance in Barrie it's critical to understand how it works.
To lead off, Barrie operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident, not that you can't be found at-fault following a crash.
All Ontario auto insurance is provided by private insurance carriers. Those companies are regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. In plain words, no Barrie insurance company can raise rates without prior approval.
Available Barrie car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory auto insurance coverage includes:
- Third-party liability - in case you injure someone or damage their property
- Accident benefits - personal medical benefits following a crash
- Uninsured automobile insurance - should the other driver not have insurance
- DCPD - a method for insurance companies to process claims
Optional car insurance coverage includes:
- Collision insurance - pays to repair or replace your vehicle after a crash
- Comprehensive car insurance - covers your parked vehicle from falling trees, vandalism, and theft
- Specified perils - Customize your policy against specific risks like fire, flood, or lightning
- All perils - Combining collision and comprehensive and a few more protections
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
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How much is car insurance in Barrie?
The average cost of car insurance in Barrie is near the provincial average of $1,505 per year. But, there are many factors that go into a Barrie car insurance quote beyond just the location. Could you be paying less?
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Research which company provides cheap car insurance in Barrie, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Barrie car insurance with us is free.
Stay with your current insurer
Some Barrie auto insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Barrie car insurance
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 5% simply by adding winter tires to your car in Ontario
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Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
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