Barrie Car Insurance

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Barrie Car Insurance

Barrie, Ontario, perched on the shores of Kempenfelt Bay, stands as a beacon of urban growth amidst natural beauty. Its unique positioning between the Greater Toronto Area and Muskoka's cottage country makes it a central node for both daily commutes and leisurely escapes. This blend of city living and lakeside allure underlines the significance of dependable Barrie Car Insurance, providing peace of mind to residents and visitors as they navigate the bustling city streets or embark on serene drives along Lake Simcoe's edge. Access to comprehensive car insurance in Barrie ensures that journeys, whether for business or pleasure, are safeguarded against the unexpected.

Standard Car Insurance in Barrie, Ontario

Liability

Liability portion of your car insurance policy provides protection against damage you cause to other people or their property

Direct Compensation property Damage

Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.

Uninsured Automobile Coverage

Protects you if you are hit by an uninsured motorist or by hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.

Accident Benefits

Provides compensation if you or others are hurt or killed in a car accident.

Extra Coverages for your Barrie Car Insurance to Take You Those Extra Km’s

Collision Coverage

Covers your damage to your car as a result of hitting an object or another car.

Comprehensive Coverage

Covers some insured damages such as falling objects, theft and fire.

All Perils Coverage

Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.

Accident Forgiveness Coverage

Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.

Depreciation Waiver Coverage

Gives you the purchase price of the vehicle in the event of a total loss.

Rental Vehicle Coverage

Provides you with a rental vehicle to a specified limit after an insured loss.

Ways you Can Save to Get Cheap Barrie Car Insurance

Bundle

Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Ways you Can Save to Get Cheap Barrie Car Insurance

Bundle

Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Real Tips for Driving In Barrie

Navigating car insurance in Barrie can indeed be a costly affair, but with some smart strategies, you can ease the process and potentially lower your costs. Here are some tips for driving around Barrie and the surrounding areas

Watch out for Wildlife

Barrie is nestled close to natural habitats, and it's not uncommon to encounter wildlife crossing the roads, especially during dawn and dusk. Always keep your eyes peeled for sudden movements on the roadside and reduce your speed in marked animal crossing zones to prevent accidents.

Put On Snow Tires

With Barrie's heavy snowfalls, having a good set of snow tires is not just a safety measure—it can also be a financial relief. Many insurers offer discounts for vehicles equipped with winter tires, as they significantly improve your car's handling and braking in snowy conditions.

Check Barrie Weather

Before you head out, a quick check of the weather can save you a lot of trouble. Barrie's weather can change quickly, and being prepared for conditions like snow, ice, or heavy rain will help you adjust your driving accordingly to avoid accidents.

Watch out for Agricultural Vehicles

Driving in Barrie, you might share the road with slower-moving agricultural vehicles. These vehicles often have limited visibility and make wide turns. Give them a wide berth and only pass when it's safe and legal to do so.

Navigate with Caution

"Whiteout Watchfulness" – Slow down and maintain a generous following distance during whiteouts, which are common occurrences between Barrie and Innisfil. These low-visibility conditions have led to multiple pile-ups, particularly around Big Bay Point and Mapleview, so extra caution could be a lifesaver.

Summer Festivity Traffic in Barrie

During the summer, Barrie's downtown core, especially along Lakeshore Drive and Dunlop Street, transforms into a vibrant festival hotspot. The combination of these lively events and the influx of cottage‐goers can lead to bustling streets and congested traffic.

By following these tips, not only can you keep yourself and others safe while driving in Barrie, but you may also benefit from lower insurance premiums thanks to a clean driving history.

Why Humberview?

  • You Get One Dedicated Broker

    We are not a call center, you will have the same broker for your policy.

  • In Business Since 1982

    We are an independent broker located in Toronto since 1982

  • Quotes from Top Insurers

    We represent some of Canada's best insurance companies.

  • No phone prompts when you call us

    Speak to a human, right away.

Did you Know About Barrie?

Barrie has around 15 Neighborhoods but is cononually growing with new developments and areas. Areas in and around Barrie include

Downtown Barrie (City Centre) - L4M

This vibrant area is the heart of Barrie, featuring local shops, restaurants, and the beautiful waterfront of Kempenfelt Bay. It's a hub of activity and culture with numerous events and festivals.

Eastview - L4M

A residential neighborhood known for its community feel, Eastview is home to Eastview Secondary School and has a mix of housing options, from apartments to detached homes.

Georgian Drive - L4M

This area is near Georgian College, making it popular with students. It has a range of residential options and is close to the Royal Victoria Health Centre.

Letitia Heights - L4N

A family-oriented neighborhood with parks and schools, Letitia Heights offers a mix of affordable housing, from townhouses to larger homes.

Holly - L4N

Holly is a growing community known for its newer homes, schools, and the Holly Recreation Centre, catering to families and young professionals.

Ardagh Bluffs - L4N

Renowned for its natural spaces, including the Ardagh Bluffs with over 17 kilometers of trails, this area offers both outdoor activities and residential living.

Allandale - L4N

This historic area has character homes and new developments, with a central location near the Allandale Waterfront GO Station, making it ideal for commuters.

Painswick - L4N

Painswick is a rapidly expanding area in the south end, known for its public library branch, community park, and a variety of housing types.

Edgehill Drive - L4N

This community offers a mix of residential options, including family homes and townhouses, with easy access to shopping and amenities

Bayshore Estates - L4N

An established area with a suburban feel, Bayshore Estates boasts larger properties and is close to schools and parks.

Kingswood - L4N

Situated near Lake Simcoe, Kingswood is a well-liked area for its spacious homes and proximity to waterfront activities.

Innis-Shore - L4N

This newer development has quickly become a sought-after location for its modern homes and close-knit community vibe.

Southwest Barrie (around Ardagh Bluffs) - L9J

This newer development is desirable for its modern homes, scenic backdrop of the Ardagh Bluffs, and family-friendly atmosphere.

Southeast Barrie (near Painswick) - L9J

This expanding area is characterized by new home developments, good schools, and growing commercial amenities, catering to a diverse community.

Northwest Barrie (new developments, possibly around Edgehill Drive) - L9X

The northwest end is one of Barrie’s growing frontiers, offering new housing developments, with accessibility to both urban conveniences and outdoor recreation spaces.

Streets and Intersections with the most traffic in Barrie seem to be

Dunlop Street and Highway 400

This interchange is often busy as it is a major access point to and from Highway 400, which is the city's connection to Toronto and Northern Ontario.

Bayfield Street

As Barrie's primary commercial corridor, lined with shopping centers and restaurants, it sees significant traffic, especially near the Bayfield Mall and the Georgian Mall.

Essa Road and Ardagh Road

These streets are heavily used by local traffic and can be particularly congested during rush hours as they are main arteries within the city.

Mapleview Drive

This east-west thoroughfare experiences high traffic volumes, connecting residential areas to shopping districts and the highway.

Duckworth Street and Georgian Drive

This intersection gets busy, particularly because it's close to Georgian College, the Royal Victoria Regional Health Centre, and Highway 400.

Yonge Street and Big Bay Point Road

This is a bustling intersection due to its proximity to schools, residential areas, and commercial plazasF.

Molson Park Drive and Park Place Boulevard

Located near a major shopping center and entertainment complex, this area can get quite congested, especially during weekends and holidays.

Barrie Car Insurance FAQ

  • How much car insurance do I need in Barrie, Ontario?

    Third‐Party Liability Coverage: This protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits up to the limit of your coverage and will pay the costs of settling the claims. In Ontario, the minimum coverage is $200,000, but most drivers opt for at least $2 million. Statutory Accident Benefits Coverage: This provides you with benefits if you are injured in an auto accident, regardless of who caused the accident. This includes supplementary medical, rehabilitation, attendant care, caregiver, non‐earner, and income replacement benefits. Uninsured Automobile Coverage: Protects you and your family if you are injured or killed by a hit‐and‐ run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. Direct Compensation‐Property Damage (DC‐PD) Coverage: This coverage allows you to collect directly from your insurer for damages to your vehicle if another driver is at fault for an accident that occurs in Ontario and that driver is insured by an insurance company licensed in the province. Apart from these mandatory coverages, you may consider optional coverages such as Collision or Upset Coverage, Comprehensive Coverage, All Perils Coverage, and Specified Perils Coverage. These optional coverages can offer additional protection for your vehicle Direct Compensation‐Property Damage (DC‐PD) Coverage: This coverage allows you to collect directly from your insurer for damages to your vehicle if another driver is at fault for an accident that occurs in Ontario and that driver is insured by an insurance company licensed in the province. Apart from these mandatory coverages, you may consider optional coverages such as Collision or Upset Coverage, Comprehensive Coverage, All Perils Coverage, and Specified Perils Coverage. These optional coverages can offer additional protection for your vehicle. It is also important to consider factors such as the value of your car, how much you can afford to pay out‐ of‐pocket (your deductible), and whether you require additional liability coverage. Speak to a broker today about all the Barrie car insurance options and coverages you may require.
  • How much is car insurance per month in Barrie, Ontario?

    The cost of car insurance in Barrie, Ontario, can vary widely based on a number of factors including the driver's age, driving history, the make and model of the vehicle, the level of coverage chosen, and the driver's specific location within Barrie. On average, drivers in Ontario may pay anywhere from $100 to $250 per month for car insurance. But, this can quickly go up if you need high risk car insurance in Barrie. However, Barrie is generally considered to have more moderate insurance rates compared to the higher premiums found in the Greater Toronto Area. Nonetheless, without specific details, it's challenging to provide a precise figure. For the most accurate estimate, you should obtain a quote from us and other providers or use online Barrie car insurance calculator that compare rates from different insurers. Keep in mind that shopping around and comparing quotes can help you find the best rate for your situation. Additionally, discounts may be available for things like having a clean driving record, insuring multiple vehicles, or bundling with other types of insurance.
  • How much is insurance for a G2 Driver in Barrie, Ontario?

    The cost of car insurance for a G2 driver in Barrie, Ontario, can be quite high due to the increased risk associated with less experienced drivers. Insurance premiums for G2 drivers can vary significantly based on several factors, including the driver's age (teen drivers typically face higher rates), driving history, the type of car being insured, and the coverage options selected. On average, G2 drivers in Ontario might pay anywhere from $1,800 to over $5,000 per year for car insurance, which translates to approximately $150 to $400+ per month. However, rates in Barrie might be somewhat lower than the provincial average, as it is not within the high‐traffic GTA where premiums are typically higher. To find more accurate rates for G2 drivers in Barrie, it's best to get quotes from multiple insurance companies and insurance brokers like ourselves and explore options for discounts, such as completing a certified driver's training course, which can sometimes reduce premiums. Also, being added to a parent's existing policy as an occasional driver can often result in lower costs than obtaining a separate policy.
  • Which car has the cheapest insurance in Barrie, Ontario?

    In Barrie, Ontario, as with the rest of Canada, certain types of cars generally have lower insurance rates due to factors like safety ratings, theft rates, repair costs, and overall damage susceptibility. Typically, cars that are cheaper to insure tend to be: Economy Sedans: These are often less expensive to repair and replace parts. Vehicles with Good Safety Ratings: Cars that are rated highly for safety by organizations like the Insurance Institute for Highway Safety (IIHS) may be cheaper to insure. Models with Lower Theft Rates: Some models are less likely to be targeted by thieves, which can lower insurance costs. Used Cars: Older models can be less expensive to insure compared to brand new ones, as they have a lower replacement value. Cars that are commonly found at the lower end of the insurance cost spectrum include makes and models like Toyota Corolla, Honda Civic (which also has a high safety rating), Hyundai Elantra, and Mazda3, among others. However, it's important to note that insurance premiums are personalized for each driver. Factors such as your driving history, the amount of coverage you choose, and your deductible will also significantly influence your insurance rates Given Barrie's winter driving conditions, vehicles equipped with winter tires and better suited for winter driving should be considered. The specific make and model, combined with factors such as your driving history and the coverage level you choose, will significantly influence your Barrie car insurance rates.
  • How much is car insurance in Barrie, Ontario for a new driver?

    Car insurance rates for new drivers in Barrie, Ontario, can be particularly high, reflecting the greater risk associated with drivers who lack a local driving history. This applies not only to young or inexperienced drivers but also to those who have recently moved to Barrie from overseas or another province. However, some insurance companies may offer credit if you've been licensed and have a clean driving record in another country or province. For new drivers who have immigrated, it's worth inquiring if your international driving experience can be considered. You may need to provide a driving history report or a "letter of experience" from your previous insurer abroad. Similarly, if you've moved from another province within Canada, obtaining a letter of experience from your past insurance company to prove your driving history can be beneficial. New driver insurance costs in Barrie start around $200 to $300 per month but can vary widely. These costs are influenced by the type of vehicle, coverage options, driving courses completed, and the driver's specific location within Barrie. For those new to Ontario, leveraging any existing driving record can help mitigate the typically high initial insurance rates. It's crucial to shop around and compare quotes from multiple insurance providers to find the best rates, and to discuss your unique situation with insurers, as some may be more accommodating than others when it comes to recognizing international or out‐of‐province driving experience.
  • Do all drivers in a household have to be insured in Barrie, Ontario?

    In Barrie, Ontario, as in the rest of the province, insurance companies generally require that all licensed drivers in a household be listed on the car insurance policy. This is because insurance providers assume that all licensed individuals in a home have access to the family vehicles and therefore pose a risk that needs to be accounted for in the policy. If someone in your household has their own separate insurance policy for a different vehicle, you should still inform your insurance company about all the licensed drivers living in your household. Failure to disclose all drivers can lead to a voidance of the policy, denial of claims, or cancellation of the policy for misrepresentation. There are some exceptions, such as if a household member is away or if they have a company car and insurance through their employer. In these cases, the insurance company may not require them to be listed on your policy. It's essential to discuss the specifics with your insurance provider to ensure you have the right coverage and that all policy requirements are met.

Barrie Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Barrie

In Barrie, those with spotless driving records can access the best Barrie car insurance rates, rewarding their safe driving habits. At Humberview Insurance Brokers, we're dedicated to offering cost-effective car insurance solutions tailored for the Barrie community. Plus, our seasoned, licensed Insurance Brokers are here to guide you to the right policy and provide expert advice, particularly when navigating the claims process.

Barrie Commercial Auto Insurance

For over thirty years, Humberview Insurance Brokers has been a trusted provider of Commercial Auto Insurance in Barrie. Catering to contractors, cafe owners, or any business that requires vehicle use, we're here to support your commercial endeavors. Our customized policies are designed to protect your business and assets, making us a reliable partner for your Barrie commercial auto insurance needs.

High-Risk Car Insurance in Barrie

Certain drivers in Barrie may find themselves in need of high-risk car insurance, a category for those deemed higher liability due to their driving record. Incidents of impaired driving, for example, not only pose dangers on the road but also carry significant legal repercussions. Other factors necessitating high-risk car insurance might include repeated traffic violations, involvement in accidents, or lapses in coverage. This insurance is a stepping stone for drivers looking to rebuild a positive driving record while remaining adequately insured on Barrie's roads.

Car Insurance News and Blog for Barrie, Ontario

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