Find the Right Car Insurance Coverage Options for Your Lifestyle
With a population of 11,500, Douglastown offers the urban entertainment of big city life and the peace of a smaller suburb. The variety of options makes this New Brunswick town popular for couples, families, business owners and retired individuals. Over 25% of the population are age 65 and older. When choosing car insurance in Douglastown, it’s important to consider your daily driving habits, coverage needs, and budget.
How Many Car Accidents Happen in Douglastown?
In 2019, the Douglastown region had a ratio of 325 injury-causing crashes and six fatal accidents per 100,000 residents. These dangerous crashes happen on city streets and rural roads alike, making it hard to predict when you’re at risk of an accident. With visitors, workers and college students commuting to the nearby city of Miramichi, multi-vehicle collisions are all too common.
What Weather Risks Do You Need To Keep in Mind?
Like many places in New Brunswick, Douglastown experiences significant snowfall and freezing weather during winter. The temperature drops below minus 15 degrees Celsius some 30 or 40 days every year. The area gets between 900 and 1,200 mm of precipitation annually, which includes rain, snow, ice and hail.
These conditions present a risk for drivers and vehicles alike. In the city, it’s common to hear of serious car accidents in winter:
- Cars sliding into parked vehicles
- Rear-end and head-on collisions on the highway
- Poor visibility causing crashes with posts, signs and mailboxes
- Single-car collisions with trees
Within city limits, crashes with deer and elk are relatively rare, but they’re a real risk if you take Highway 8 or 11 to places such as Prince Edward Island or Nova Scotia.
How Can You Choose Car Insurance in Douglastown?
There are five types of auto insurance coverage for drivers in Douglastown: Personal liability, collision, comprehensive, personal injury and underinsured/uninsured motorist. Putting together a package that fits your lifestyle isn’t a question of accepting or rejecting coverage. You can include several types of coverage in the same policy and decide how much importance to give each risk.
The right balance of coverage depends on several factors:
- How often you travel on highways and rural roads
- What vehicle make and model you drive
- How common car break-ins and theft are where you live
- How many drivers you have in your family
- How good your driving record is
For example, families with teen drivers probably need to invest in extra collision coverage in case of a crash. Seniors with a tight budget may prefer to limit extra coverage and focus on personal injury protection, liability and collision insurance.
What Does Car Insurance Cover?
Every type of auto insurance has specific terms that spell out your protection. Here’s what you need to know:
- Personal liability: Covers injuries and vehicle damage you cause to other drivers and passengers
- Collision: Covers the costs of car repairs, parts or vehicle replacement for your vehicle after an accident
- Personal injury: Covers medical treatment, medication and other recovery needs for your injuries (and optionally family members) after a crash
- Underinsured or uninsured motorist: Covers your expenses for vehicle damage or injuries when the at-fault driver doesn’t have enough car insurance (or none at all)
- Comprehensive: Covers damage to your parked car, including theft, fire, broken windows, vandalism, hail, fallen tree branches, etc.
In addition to mixing and matching coverage, you can customize details such as your deductible and total coverage amount. That way, you save money and get the help you need if a crash happens.