Barrie Car Insurance Information

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Barrie auto insurance

Sitting at a population of approximately 136,000, Barrie is a growing city that shows no signs of slowing. Sitting just an hour outside of Toronto, many drivers commute in and out of the city everyday, making driving in Barrie a rising challenge. As Barrie continues to grow, the roads are becoming increasingly congested, especially when navigating Highway 400, which runs through the middle of the city and is also the main route to Toronto and surrounding areas. Like anywhere in Canada, if you are a driver in Barrie, car insurance is mandatory, and for good reason. At Complete Car, we can help you find the best car insurance in Barrie at the best price.

How much does car insurance in Barrie cost?

It is nearly impossible to pinpoint the exact cost of car insurance in Barrie. With so many factors that play a role in determining car insurance premiums such as your driving history, age, coverage needs, and more, the costs can vary quite a bit. However, for drivers with a clean driving record, the average cost for car insurance in Barrie is approximately $1,400 per year. This is below the average price of car insurance in Ontario, which is $1,505 per year.

Mandatory car insurance coverages in Barrie

In Ontario, there is a certain amount of coverage required in order to drive a vehicle. The minimum requirements include third party liability, accident benefits, direct compensation, and uninsured automobile coverage. Without this, you cannot drive as driving without car insurance is illegal. The provincial government puts these requirements in place not only to protect you, but also your passengers and other drivers. If you live in Barrie, the following coverage is mandatory:

First and foremost, third party liability coverage is an essential part of any policy. Liability insurance will cover property damage and injury of the other driver should you be at fault in an accident.

There are many costs associated with a car accident that go beyond property damage. Accident benefits are in place to help pay for the costs resulting from the accident, whether medical treatment, funeral expenses, death benefits, salary replacement or otherwise.

Direct compensation coverage offers financial protection should another driver cause a collision that damages your car.

While car insurance in Canada is required by law, unfortunately certain drivers choose to get behind the wheel without it. Uninsured automobile coverage is in place to protect those who get into an accident where the driver at fault is uninsured.

As you can assume, the more coverage you receive, the more you will pay for car insurance. While the minimum car insurance mandatory in Barrie only provides a thin level of protection, many drivers choose to add optional coverage to their policies. While this is a great idea, make sure you only get the coverage that you really need. Otherwise, you may end up spending more than you have to. At Complete Car, we will work with you to understand your coverage needs and find the policy that works best for you!

Optional coverage

While the above coverage is mandatory in Ontario by law, many drivers in Barrie choose to purchase additional coverage, leaving nothing to chance. There are several additional coverage options in Barrie that give drivers added protection and peace of mind, including collision insurance, comprehensive insurance, accident forgiveness, and waiver of depreciation.

Collision insurance is in place to pay for the replacement of repair of your vehicle when involved in an accident.  Collision insurance will also protect you financially should you be involved in a hit and run.

Comprehensive insurance will cover damage to your vehicle resulting from anything other than a collision. For example, comprehensive insurance will protect you financially for anything from fire, theft, vandalism,  falling objects and more.

As the name suggests, accident forgiveness allows you to get away from your first at-fault accident without having it on your record to haunt you for years to follow. It also ensures that your premium  won’t increase following your first at-fault claim, which can save you tons of money in the long run!

If you have a brand new vehicle, you will certainly benefit from having a waiver of depreciation on your policy. This will protect you against losing the value of your vehicle. For example, should your car be stolen or you need to file a total loss claim, you will receive coverage for the full value of the car, without factoring in depreciation.

What factors impact your car insurance rates in Barrie?

Like any other city, there are several contributing factors when it comes to the cost of car insurance in Barrie:

Regardless of where you live, your location will play a key role in determining your car insurance premium. When looking at location, factors such as road congestion, fraud rates, theft rates, number of traffic tickets in the area, etc. are considered. The higher your potential of filing a claim, the higher your premium will be.

Your premium will reflect your driving record. If you have a driving record free of convictions, your insurance company will reward you with lower premiums. On the other hand, if you have a record with one or more convictions,  insurance companies will see you as higher risk and you will pay more for insurance.

It's common knowledge that the younger you are,  the higher your car insurance rates will be. This is primarily due to the lack of experience amongst younger drivers, and the higher potential of being involved in an accident or failing to meet the rules of the road. As you gain more experience, usually after 10 years of driving, your premium will decrease (as long as you keep a clean record).

Generally speaking, the more kilometers you rack up on your odometer, the more you will pay for insurance. Those who rarely drive their cars or only use their vehicle to run small errands are likely to have cheaper car insurance rates. If you want to save on insurance by reducing your mileage, choosing to take public transit to work is a great solution. Not only will you save money but you will help the environment while you’re at it!

As you can assume, the more coverage you receive, the more you will pay for car insurance. While the minimum car insurance mandatory in Barrie only provides a thin level of protection, many drivers choose to add optional coverage to their policies. While this is a great idea, make sure you only get the coverage that you really need. Otherwise, you may end up spending more than you have to. At Complete Car, we will work with you to understand your coverage needs and find the policy that works best for you!

How can I get cheap auto insurance in Barrie?

You don’t have to dread buying a car insurance policy! There are many ways to save money on car insurance in Barrie and get cheap insurance! Here are just a few ways that you can save thousands of dollars:

Most, if not all car insurance companies offer discounts to their customers. Depending on your situation, there is bound to be an offer that you can take advantage of! Whether you are a student, in the military or belong to a corporation, always check to see if you can qualify for a discount. If not, there are discounts available to those who take action to lower their risk, whether by installing an anti theft device, winter tires, or by enrolling in a driver’s education course.

 

The most common discounts for Barrie drivers include: Georgian College, Georgian College Alumni Association, Seneca College of Applied Arts & Technology, and Humber College Institute of Technology and Learning

The best way to get cheap insurance in Barrie is to shop around and compare quotes online. Whether it's time to renew your policy,  you want to find a better deal than what you're currently paying or are just curious about what else is out there, comparing insurance quotes online is the way to go!

 

At Complete Car we can do just that. We will work with you to understand your needs, compare quotes from the top insurers in Canada, and get you the best deal possible!

If you’re looking to get the best insurance at the best price, get a quote with Complete Car today! Our wide network of top auto insurance providers ensures that we can get you an insurance policy suited to your unique needs in minutes!

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