Sudbury auto insurance
Sudbury, Ontario, also known as the home of the Big Nickel, is a quaint city with a population of approximately 160,247. This northern gem offers both residents and visitors the perfect mix of urban landscapes and beautiful nature. And fun fact, Sudbury is also historically known as a world leader in nickel mining. With Sudbury’s northern climate and less than ideal road conditions, like any other city, car insurance is a must!
Car insurance in Sudbury operates under the Ontario insurance market. While Ontario is known to be the most expensive province when it comes to car insurance, luckily, Sudbury is on the cheaper side when compared to other Ontario cities. Sudbury is just far enough outside of the Golden Horseshoe (comprising the Greater Toronto Area and surrounding regions), which is an area that is notorious for elevated car insurance premiums. As a result, Sudbury drivers can avoid the high premiums that most Ontarians face.
While car insurance in Ontario is expensive in general, this doesn’t mean that you can’t still get cheap insurance! There are several ways to get cheap insurance in Sudbury. The easiest way to ensure affordable car insurance is to shop around and compare quotes online.
At Complete Car, we leverage our wide network of leading car insurance providers to find the car insurance policy that best suits you and your unique needs.
Driving in Sudbury
Winter Driving: Driving in Northern Ontario isn’t always easy, especially in the winter! With intense seasonal weather conditions, visibility on Sudbury roads can be questionable and the roads can get extremely slippery. The best way to prepare for these conditions is by installing winter tires. Not only will this improve your safety, many insurance companies will also reward drivers with discounted premiums for installing winter tires. It’s a win-win!
Be Cautious of Fog: There’s an abundance of lakes in and around Sudbury, 330 to be exact! And when the cool water meets the humid air, this creates a ton of fog, increasing the potential for impaired visibility. So when driving in Sudbury, make sure to drive slowly, keep your fog lights on, and be extra careful on Highway 17!
Road Conditions: Sudbury is notorious for having bad road conditions. Because of this, it’s important to be extra careful when passing through. While the municipality has been continuously working on infrastructure projects to improve this, make sure to be aware of this in the meantime!
Mandatory car insurance coverages in Sudbury
It is required by law for every driver in Canada to have car insurance, and Sudbury drivers are no exception! The mandatory requirements vary by province, and Sudbury falls under Ontario’s legislation. As a result, all Sudbury drivers must have third party liability coverage, accident benefits, direct compensation property damage, and uninsured automobile coverage.
While the above coverage is required by law for all Sudbury drivers, many choose to opt for additional coverage for further protection and peace of mind. There are several options to choose from when it comes to optional coverage in Ontario, such as collision and comprehensive insurance, specified perils, all perils, and more. Some drivers also choose to increase the amount of third party liability coverage to anything from 500,000, one million, or even two million. While this additional coverage will of course add a small amount to your premium, it will be worth it should you ever need to file a claim.
What factors impact your car insurance rates in Sudbury?
Like any other city, there are several contributing factors when it comes to the cost of car insurance in Barrie:
