Auto Insurance Barrie

Go for a drive through downtown Barrie, and you’ll enjoy the local restaurants, specialty shops, and waterfront scenery. But before you head out on your next adventure, it may be time to re-evaluate your car insurance.

You might already have auto insurance. What if you could find the same coverage at a more affordable rate? That’s what our insurance brokers are here for.

At Westland Insurance, we compare quotes to help you find cheap car insurance. Our expert advisors can answer all your questions about Barrie auto insurance, from selecting optional coverage to lowering your premiums.

To find out how you can save on car insurance in Barrie, call Westland Insurance today. Affordable auto insurance in Ontario is just a phone call away.

Get a Quote

Mandatory Coverage

Is auto insurance required in Barrie? Yes! We’re going to cover the four types of mandatory coverage:

If you’re at fault for an accident, you’ll need TPL insurance to pay for the damages.

Along with covering bodily injury and property damage costs, you may be sued by those affected by the accident. Third-party liability insurance will cover legal fees and money to settle the lawsuit.

A basic insurance policy will include $200,000 of TPL coverage. You can increase your coverage as necessary.

This insurance coverage applies to anyone involved in an accident—pedestrians, passengers, and drivers—regardless of who is at fault. This policy provides coverage for:

  • Income replacement
  • Caregiver, rehabilitation, and medical expenses
  • Death benefits

If the driver at fault has no insurance, this insurance policy will make certain that you still have coverage.

DCPD insurance will cover damages and loss of use to your vehicle (when another driver is at fault). Claims will be filed and processed through your own insurer.

Enhanced Coverage

The following types of coverage are not mandatory, but they may be highly recommended depending on your vehicle and driving habits. Physical damage coverage includes:

Collision (or upset) coverage will cover you for impact damage caused by other vehicles, buildings, or roadways.

You’ll be reimbursed for losses related to impacts with an animal, vandalism, and fire.

Protect yourself this physical damages add-on, which covers insured losses specified by this policy, that include falling/flying objects, vandalism, human-caused disasters, and natural disasters.

For an all-inclusive policy, choose this option; it includes comprehensive and collision coverage.

Optional Coverage

You need customized car insurance that fits your unique situation. At Westland Insurance, we offer several types of optional car insurance coverage, including:

  • Loss of use
  • Liability for damage to non-owned vehicles
  • Family protection coverage
  • Removing depreciation deduction
  • Accident protection or accident forgiveness

Personal Auto Insurance Discounts

Interested in saving more on your Barrie car insurance rates? Ask your insurance provider to see if you’re eligible for the following discounts:

  • Stay with the same insurance company. By bundling your auto and home insurance or staying with the same provider for many years, you can get a discount on your premiums.
  • Maintain a good driving record. Driving offences increase insurance costs. To keep your rates affordable, practice defensive and safe driving.

Auto Insurance FAQ

Each traffic or speeding ticket affects your driving history. If you’re considered a high-risk driver, you’ll have to pay more for auto insurance rates.

When was the last time you assessed your auto insurance? If it’s been years, you may have earned a lower rate, but your policy might not be updated to reflect that. Looking for ways to lower your payments? Contact us for auto insurance quotes.

If your spouse drives your vehicle often, we suggest adding them to your policy to ensure that you’re covered in case of an accident.

Yes! Our expert advisors can help with that; call us to inquire about insurance for a class 7 licence.

Your auto insurance premiums are determined by the following factors:

  • Location. The area you live in Barrie will affect your rates. Insurance providers will consider rates of theft, vandalism, and accidents near your location.
  • Vehicle usage. How often do you drive? The more time you spend on the road, the more at risk you are.
  • Driving & claims history. Past insurance claims or traffic tickets will impact your premiums.

Barrie auto insurance is required for all drivers. At the bare minimum, you need the four types of mandatory coverages we listed above.

Barrie residents know that winters here are tough to drive in. That’s why winter tires are a must-have—they give you more stability on the road and help prevent accidents. Auto insurance companies know this, too; that’s why most of them offer a discount for drivers with winter tires. Switch your tires to save on your car insurance premiums.

Barrie car insurance quotes vary depending on your age, driving experience, and insurance history. If you’re trying to budget for insurance, contact us for a quote!

Top Collision Locations in Barrie To Watch Out For

Barrie residents, take note: The following intersections have higher collision rates than average. When you’re around these areas, stay cautious, and drive defensively.

  • Mapleview Drive East & Park Place
  • Cedar Point Drive & Dunlop Street West
  • Bayfield Street & Cundles Street West
  • Cundles Road East & St. Vincent Street
  • Dunlop Street West & Ferndale Drive North

Request a Barrie Auto Insurance Quote Today!

Find affordable coverage with our insurance brokers in Barrie. We work with the best insurance companies in the province to get you the lowest rates.

At Westland Insurance, we provide you with the cheapest car insurance quotes so you can save money with each payment. To request a Barrie car insurance quote, contact us today!

Chat bubble icon

We’re Here to Help

Whether you’re looking for insurance for your first home or wanting to discuss your existing policy, our team is ready to help. Connect with us today.

Get Insurance

Call us 1 (800) 899-3093

Need some help?


We'll help you get back to normal as quickly as possible.


Contact Us

When you need us, we’re here. Connect with us.

Contact Us

Visit Client Support

Check out our resources page for helpful content or connect with our client support team.

Contact Client Support