Third Party Liability Insurance
Barrie drivers must carry third-party liability insurance of at least $200,000. This protects them if they cause an accident resulting in injuries, deaths, or property damage.
Direct Compensation Property Damage Insurance (DCPD)
Direct compensation property damage insurance covers damage caused to your vehicle by another driver. DCPD comes with a few restrictions, including that the accident must occur in Ontario and vehicles must be registered in Ontario.
If you don’t meet these criteria, then your collision insurance will cover you, but it’s an optional product, so not everyone buys it.
Statutory Accident Benefits
Basic accident benefits include replacement of income up to $400 per week, attendant care, and death and funeral benefits.
Uninsured Automobile Insurance
Uninsured auto insurance will cover you if you are not at fault for an accident caused by an uninsured driver who is unidentified.
This insurance covers damage incurred in a collision. This insurance will cover you in the event that your vehicle is damaged by a collision, whether you hit another car or a stationary object such as a tree or guardrail.
This insurance covers any loss a driver might suffer due to events unrelated to driving. These losses can include theft, vandalism, damage caused by an attempted burglary, or hail or floods.
Emergency roadside assistance
This coverage will cover you financially in the event of roadside emergencies, such as flat tires, dead batteries, towing, or keys locked inside your vehicle. Roadside assistance coverage is offered by many insurance companies, either as part of their coverage or as an addition.
By comparing from top insurers. McDougall allows you to compare Barrie auto insurance quotes in one location.
Select the best coverage
By paying only for the coverage you need, and more, your premiums will be lower.
Your driving record will affect your rate. Less infractions, fines, and accidents equal cheaper auto insurance.
Pay on time
Paying on schedule can save you from late fees and reduce your premiums.
Bundle your policies
If you bundle your insurance policies, for example, bundling home & car insurance, then your rates may be lower.
Stick with one insurance company
Most companies offer car insurance discounts for customers who remain with them for a long period of time.
Consider a driving course
This will make you a safer driver and it may also reduce your insurance rates.
Choose the right car
Cars with good crash-test ratings, low theft rates, and engines that are less powerful tend to be cheaper to insure.
Add driving tracking
With a usage-based auto insurance policy, your low-risk driving can translate into lower premiums.
Insurance for cars will always be higher for drivers who have a record of frequent collisions and other driving convictions.
If your insurer decides you cannot be covered by a standard policy, you must purchase high-risk insurance in Barrie.
The price of high-risk insurance in Barrie is also based on your driving record. This includes the number of accidents you have been involved in, tickets for speeding, and convictions such as reckless driving, driving under the influence, and drunk driving.
In Ontario, the cost of high-risk auto coverage is typically 2-3 times higher than that of standard auto coverage. However, having this insurance allows high-risk Barrie drivers to begin rebuilding their reputations as safe drivers.
Barrie’s lowest rates for car insurance are offered to adults between 50 and 70 years old. You may see a rise in your rates after 70 years old because statistically, people of that age are more likely to have to make a claim or take longer to recover. It may be worth shopping around for new Barrie auto insurance if you notice your rates are increasing.
When calculating your insurance rate, car insurers consider your annual mileage. The longer a driver is on the road, the more likely they are to be in an accident.
Your premium will be higher if you drive your car daily and commute a lot. The amount of mileage per day varies depending on the insurer but, in general, anything more than 25-30 km/day is considered a lengthy commute.
You will be charged slightly more if you use your vehicle only for short trips (about 6-9km a day).
Your premiums will not be affected if you only use your car to drive for pleasure (3 km or less).
Barrie car insurance quotes are influenced by many factors, including the car you drive. A cheap, used car that has a good safety rating will typically have lower insurance costs. Minivans, SUVs, and crossovers are also often cheaper to insure than sedans due to their lower risk profile.