Cheap Barrie Car Insurance Quotes

When it comes to determining insurance rates there are a few factors that are taken into consideration. One of them is your driving record. While getting quotes at InsuranceHotline.com, 72.2 per cent of Barrie drivers have a clean driving history with no tickets, accidents or licence suspensions, while 12.8 per cent of drivers admit to having at least one traffic ticket, and 11.6 per cent admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (2.9 per cent).

Where you live is another factor that's taken into consideration; insurance rates differ among locations. It's estimated that about 12.7 per cent have moved to Barrie or within Barrie in the last year. If you have recently moved to or within Barrie, it's the perfect time to compare Barrie car insurance quotes.

In addition to location and your driving record there are several other factors that go into determining insurance rates including:

• The type of car you drive. Each vehicle is rated differently. Theft rates, vehicle safety ratings and the historical repair costs for a vehicle can vary significantly.
• The options you choose. While there is often a set minimum for compulsory coverages, you can opt to have more coverage protection.
• Your deductibles. In general, the higher your deductible the lower your car insurance rate. These savings are available because it means you pay more towards the cost of repairing your vehicle, while your insurance company pays less, if you need to make a claim.
• How often and how far you drive. Whether you'll be driving to work or school every day or just occasionally will be a factor. The more time you spend on the road affects your insurance rate.

Optional Coverage And Endorsements

Every province has compulsory minimums that you must have as part of you possible. In Ontario, every policy must include: Accident Benefits, Direct Compensation-Property Damage, Third-Party Liability, and Uninsured Auto coverage. However, there are optional coverages and endorsements that you can add to your policy for an additional fee like:

• Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
• Comprehensive coverage: this protects your car against damage caused by events like theft and vandalism.
• Loss of use: In case you're in an accident, this covers your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
• Rental car: If you frequently rent cars, this ensures that your rentals have both collision and comprehensive coverage.
• Depreciation Waiver: If you have a new car, this endorsement ensures you'll receive the full value of your vehicle in case it ever ends up being considered a total loss.

Barrie drivers have indicated that on average they drive about 14,499 kilometres a year and have a daily commute of about 10 kilometres each way. The cars driven most by Barrie drivers in order from most popular, according to InsuranceHotline.com data, are made by Honda, Toyota, Ram Truck, Ford Truck, Hyundai, Chevrolet, Volkswagen, Mazda, Ford, and Chevrolet Truck.

Of Barrie residents who are of working age, 83.6 per cent drive to work while 7.1 per cent are a passenger. The remaining either walk, bike, take public transit or another form of transportation.

The average commuting time in Barrie is estimated to be 20.6 minutes. The busiest time to travel in Barrie is between 7 and 9 a.m., with 43.2 per cent of Barrie residents leaving for work during this two hour window. In comparison, 28.5 per cent leave for work between 5 and 6:59 a.m. If you prefer to avoid the morning rush, adjusting your commute times should do the trick!