Car Insurance in Barrie, Ontario

As part of the Greater Golden Horseshoe, Barrie is often considered a bedroom community for Toronto. Truth is, almost as many people commute into Barrie as commute out of it. It’s an amazing place to live in its own right, and residents are proud to call it home. If you are one of those people who call Barrie home, you’ll definitely need a car. It’s one of the best ways to get around and explore all Barrie has to offer. So drive in comfort and confidence knowing you have a BrokerLink car insurance expert looking out for you.

Finding an insurance policy that meets all of your wants and needs can be difficult and confusing. There are so many options to choose from, and you might be feeling overwhelmed. That’s where an insurance broker comes in! A broker can simplify the entire process for you, and can help explain all of the different insurance options to you. You’ll walk away with a plan that fits you and your individual needs.

If you're looking for a broker located in Barrie, BrokerLink can help you with that. BrokerLink has been helping Canadians find the best car insurance at the most competitive rates since 1991. Not only do our brokers work in Barrie, but we live in Barrie too, which helps us to know what coverage makes the most sense for you. As one of the largest insurance brokerages in Canada, you can have the confidence that we are reliable.

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Mandatory Car Insurance in Barrie

Mandatory coverage is the minimum coverage required by the law to have on your insurance policy in order to drive your vehicle. That means it’s what you need to get your car on the road. These coverages are designed to protect not only you, but your family, friends and everyone else on the roads. The following types of coverage are mandatory if you live in the city of Barrie:


Liability coverage is an essential part of any car insurance policy. This coverage will help to pay for other drivers’ property and bodily injuries if you’re found at fault in an accident. This coverage may also help to cover any legal fees that you might incur as a result of said accident.

Accident Benefits

Unfortunately, costs that are associated with an accident don’t end right after the accident occurs. You, or any of the other people involved might require medical or rehabilitative attention following the accident. Accident benefits coverage will cover these costs.

Direct compensation

Direct compensation will cover you when you or your car is damaged in an accident where you are not at fault. It is called ‘direct compensation’ because you deal directly with your insurance provider to acquire any compensation following a claim.

Uninsured automobile coverage

Although insurance is mandatory across Canada, some people choose to drive their vehicles without it. Uninsured automobile coverage protects you and any of your passengers if you are involved in an accident with a driver who is at-fault and is either uninsured or doesn’t have enough coverage.

Optional Car Insurance Coverage in Barrie

While the types of coverage listed above are mandatory by law, that doesn’t mean they’re the only coverages available. Many people in Barrie opt for additional insurance coverage to protect themselves and their vehicles. Having additional protection can provide drivers with additional peace of mind. While there are quite a few different coverage options available, we have listed a few of the most popular down below:


A car accident is not the only risk that you and your vehicle may face. You may find that your car becomes damaged due to things like fires, theft, vandalism, bad weather or even water damage. Comprehensive coverage can protect you in the event of those things.


Collision coverage will protect you if your car is damaged in a hit and run accident. It will also help pay for damages to your vehicle if it is involved in a collision with another driver or object.

Accident forgiveness

If you are involved in your first at-fault accident, having this coverage on your policy will help you to maintain your good driving record for as long as you stay with the same company. Accident forgiveness ensures that your premium rate won’t go up as a result of your first at-fault claim.

Waiver of Depreciation

If you are in the market for a brand new vehicle, this coverage is definitely something that you should consider having on your policy. Waiver of Depreciation coverage covers you for the value of your vehicle without depreciation. In the event of a theft or total loss claim, you’ll be reimbursed for the full value of the car, effective from the date when you drove it off the lot.

How can I lower my premium rate in Barrie?

There are many different ways that you can save on your car insurance if you live in Barrie. We have listed three of the most common and recommended ways to save below.

1. Bundle your policies

Bundling your policies is a great way to save some money on your premium. If you have multiple insurance policies, whether they be for your home, your business or your cottage, try and get them with the same insurance company. Most companies allow for you to bundle these policies together, which could save you a significant amount of money.

2. Take advantage of discounts

There are many discounts available for car insurance policies in Barrie. You probably are already aware of some, including the winter-tire discount and the renewal discount. However, there are also a lot of amazing deals our there you might not be aware of, such as a discount for taking driver’s education course. Brokers have the inside scoop on all the discounts available, so make sure you talk to a broker before buying a policy.

3. Adjust your payments

There are many options for you when it comes to payment schedules for your premium. Some of these options can save you more money than others. Paying your premium as a one-time, yearly payment can be cheaper in the long run than paying it on a monthly basis. This is because some insurance providers will give you a discount for paying one larger lump sum.

Increasing your deductible can help to minimize the cost of your premium. Many policy holders choose this option, as you only have to pay for your deductible when making a claim. However, this will really only benefit you, and stay inexpensive, if you very rarely make claims and thus avoid paying your deductible.

Contact BrokerLink today for your car insurance in Barrie, Ontario

Going with a licensed insurance expert can make your life a lot easier. Our people know their stuff, and we’ll make sure you walk away with a plan that fits your life. To get started, fill out a quote online, visit our branch on Mary Street, or simply give us a call. We can’t wait to hear from you.


FAQs about car insurance in Barrie, Ontario

I may be a high-risk driver, will I still be able to buy car insurance?

If you have accidents or other infractions on your record, you can still buy car insurance. However, if insurance companies consider you to be at a higher risk, you will most likely pay more for insurance.

If I get hurt in a hit-and-run accident, does my car insurance policy cover it?

Yes. Uninsured automobile coverage will apply in this scenario. It’s a mandatory coverage in Ontario.

I live in a neighbourhood that’s not exactly safe all the time, can I still get insurance for my car?

Yes. If you or others perceive your neighbourhood as unsafe, you can still get insurance.


For more FAQs, visit the BrokerLink FAQs page.

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