A Complete Range of Car Insurance in Sydney, NS
For the 14,000 families that call Sydney home, life on Cape Breton Island offers many positives, from gorgeous scenery to friendly neighbours. There are also some challenges, such as the cold and humid weather throughout the year. Despite being the second largest population centre in Nova Scotia — with about 30,000 residents — Sydney lacks reliable public transportation. The majority of local workers, retirees, and business owners drive a vehicle, making it essential to have good car insurance in Syndey, NS.
Customizable Car Insurance in Sydney, NS
One of the things that our customers appreciate is the ability to customize car insurance coverage depending on their needs. This is important on Cape Breton Island because circumstances, driving needs, and vehicle risks can vary significantly from family to family.
Insurance for Weather Challenges
One of the biggest factors to consider when customizing car insurance coverage in Sydney is the weather. This coastal city overlooking the Atlantic Ocean gets an average of over 1,400 mm of precipitation every year, three times as much as the Canadian average of 475 mm annually. With so much rain, snow, and ice, risky driving conditions such as slippery roads and poor visibility are common.
To prepare for weather-related driving hazards, drivers can choose from a range of options for car insurance in Sydney, NS:
- Liability coverage: Covers vehicle repairs and injury costs for other drivers and passengers after a crash
- Collision insurance: Covers repairs or replacement costs for the client’s vehicle in single-car collisions and multi-car accidents
- Personal injury insurance: Covers the client’s medical costs related to the car accident
- Comprehensive coverage: Covers damage from hail, fallen tree branches, and other weather-related impacts
Collision insurance isn’t mandatory, but it’s a smart investment for vehicle owners in places with intense weather. In 2021, almost 75% of local car crashes were single-car collisions. This type of crash includes sliding into stationary objects, hitting wild animals, and going off the road.
Coverage for Uninsured or Intoxicated Drivers
Impaired driving is a significant problem throughout Canada, including Sydney and Cape Breton Island. Intoxicated drivers are the largest cause of serious car accidents and fatal crashes in the region.
To prepare for drug- or alcohol-related driving risks, families need good car insurance in Sydney, NS. For example, uninsured, underinsured, and unidentified motorist coverage can help with vehicle repair costs, vehicle replacement, and medical expenses in the following situations:
- The at-fault driver doesn’t have insurance
- The other driver’s licence is suspended
- The other vehicle flees the scene
- The costs of medical care or repairs exceed the other person’s car insurance coverage
Car insurance can’t prevent accidents from happening, but it gives drivers financial protection and helps them receive the medical care needed afterward.
Dependable Insurance Coverage for Families in Sydney, NS
Like other parts of Nova Scotia, Sydney has minimum car insurance requirements, including basic coverage for liability, personal injuries, vehicle damages, and uninsured drivers. Depending on the amount owners drive and the size of the family, these standard policies may not provide enough coverage for medical expenses or car repairs after serious accidents.
Our friendly team can help drivers compare their current insurance with the costs of extended coverage. Many families increase the level of insurance protection for one or more areas, such as personal injuries or collision coverage. By customizing coverage, it’s possible to find comfortable premiums that are a good fit for the family’s needs.