Enjoying Campbellton
Home to just more than 7,000 people, Campbellton, NB, is a quaint, beautiful town. It's situated within the Appalachian Mountain Range, which makes it the optimal home for people who love kayaking, hiking, birdwatching and simply being in tune with nature. In addition to its gorgeous natural scenery, the area is home to plenty of shopping and entertainment options and even hosts several festivals throughout the year. This is why so many people drive and have car insurance in Campbellton, NB.
Getting Around in Campbellton, NB
Several public transportation options serve Campbellton and the surrounding areas. "The Ocean," a train by Via Rail, travels through the town three times a week, and the city also provides the Maritime Bus and Orleans Express, two buses that regularly cross the river into Pointe-a-la-Croix. Despite the transportation options, most people in town drive themselves and use popular routes like Route 11 and Route 17. This means most people in the area have car insurance in Campbellton, NB.
Required Car Insurance in Campbellton, NB
Drivers are required to carry four types of car insurance in Campbellton, NB.
- Accident Benefits - This provides coverage for you and your passengers if you're in a no-fault accident. It includes medical and rehabilitation benefits as well as funeral, death and loss of income benefits.
- Direct Compensation-Property Damage –DC-PD coverage allows you to collect from your insurer even if someone else causes the damage. It includes the damage or loss of your vehicle or its contents.
- Third-Party Liability Insurance – This covers you if your car damages someone's property or injures someone. You must have a minimum coverage of $200,000, but most people in Campbellton choose more.
- Uninsured/Unidentified Automobile Insurance –This part of your policy protects you if you are injured in an accident that was a hit and run or was with an uninsured motorist. It also covers damage to your vehicle but carries a $250 deductible.
Factors That Affect the Cost of Auto Insurance
A variety of factors affect how much you'll pay for car insurance in Campbellton, NB. First, insurers look at you. If you have been in accidents before, expect to pay more for your car insurance. You'll also pay more if you're young or a new driver and if you're a male, because statistics show that inexperienced, male drivers get into the most accidents. Keep in mind that a poor credit score also factors in.
Insurers also look at the car itself. Older cars typically cost more to insure because they don't have as many safety and security features as newer models. However, if you own a new sports car, you'll pay more, even if it has plenty of safety and security features.
Finally, insurers consider surrounding factors, especially where you live. Campbellton has a high property crime rate (95% higher than the national average), which means you'll very likely pay more for auto insurance.
Optional Coverage in Campbellton
The coverage you choose is the final determining factor of the cost of your car insurance. There are several options. Collision insurance covers losses if your car rolls over or is involved with another object, while comprehensive insurance protects your vehicle from vandalism, theft or fire. GAP insurance helps you when you're purchasing a vehicle from a dealership and it is being financed. Finally, SEF 44 Family Protection Endorsement provides coverage if you or a family member are injured by a driver who doesn't have enough insurance. You can also ask your insurance provider about other potential endorsements to ensure you have a robust auto insurance policy.