Save on car insurance in Mount Pearl.
We’re one of Mount Pearl’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with Mount Pearl’s best auto protection and benefits. That’s a promise.
Mount Pearl is the city of urban living in nature.
As one of the largest cities in Newfoundland and Labrador, you will find the comforts of a large city here. These comforts are nestled in nature, giving residents and visitors the best of both worlds. Mount Pearl is a carefully planned, modern city that continues to grow to meet future needs. The city is family-oriented and business-friendly, with extensive municipal services and community programs. Driving in Mount Pearl is like driving in any modern city, with responsive road maintenance and safety measures. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Mount Pearl and save while you’re doing it.
Driving in Mount Pearl – Tips to keep you on the road.
SLOW DOWN FOR EVERYONE’S SAFETY.
Mount Pearl consists of many residential neighbourhoods, over 50km of walking trails, over 50 playgrounds and play courts and eight schools. The city implements school safety patrols in the mornings and in the evenings on weekdays, regular radar patrol in areas known for higher driving speeds, mobile digital traffic signs displayed throughout the community to bring awareness to drivers’ speeds and targets traffic operations in partnership with the Royal Newfoundland Constabulary.
BE AWARE OF WINTER PARKING RESTRICTIONS.
Mount Pearl implements a parking ban every winter in aid of snow clearing operations. All street parking is banned from December 1-March 31 between the hours of 1 a.m. and 8 a.m. Any vehicle unattended parked on any street against the regulations may be removed and impounded at the owner’s expense, and a fine will be given for non-compliance.
PRACTICE THE MOVE OVER LAW.
As in all of Newfoundland, Mount Pearl is very strict with the Move Over Law. This law applies when a designated vehicle is stopped and operating its red, blue or amber lights or has other traffic warning signals displayed. The general rule is to create a buffer lane by slowing down and putting as much distance between the driver and the stopped vehicle. If there is another lane going in the same direction and it is safe to do so, the driver must slow down and change lanes so there is a full lane between the driver and the stopped vehicle. If a second lane isn’t available, the driver must put as much distance between the vehicle and the designated vehicle that is safely possible.
FIND YOUR SPEED.
With the city continuing to grow, it has prioritized safety initiatives and traffic calming measures throughout. They continuously update a map embedded on the Mount Pearl website that collects speed data for various streets so residents can see what the average driving speed is in their neighbourhood.
A few facts about car insurance in Mount Pearl.
- The average age of auto insurance policyholder in Mount Pearl is 34
- The average age of drivers in Mount Pearl is 47
- The number of accident claims in Mount Pearl in 2018 was 2100
- The top automotive brands we insure in Mount Pearl are Honda, Toyota, Volkswagen, Mazda, Dodge, Ford, Ram
- 70% of people in Mount Pearl drive Cars
- 30% of people in Mount Pearl drive Trucks
Facts and myths about Mount Pearl.
FACTS
On July 21, 1988, the Town of Mount Pearl became the third community in Newfoundland and Labrador to be granted city status.
Mount Pearl is the second-largest city in Newfoundland and Labrador.
Mount Pearl is the 20th largest metropolitan area in Canada.
The city dates back to 1829, when Commander James Pearl and his wife, Lady Anne Pearl, arrived in Newfoundland with a Crown grant of one thousand acres of land, a reward for Commander Pearl’s 27 years of distinguished service in the Royal Navy.
MYTHS
It was actually granted city status in 1988 and has grown to be one of the largest cities in the province with a population of 23,000 in 2016.
Mount Pearl is its own municipality, with its own self-contained city municipal services such as snow clearing and garbage pickup. It has a mayor, deputy mayor and five councillors.
Mount Pearl has a full calendar of recreation events, parks and trails, multiple community centres, sport facilities, and is home to the Glacier Arena that hosts a large Christmas craft fair every year. The Annual Frosty Festival is a full week of a variety of activities for every age. All parks and facilities, as well as the Admiralty House Communications Museum, are linked through 60km of beautiful forested walkways.
A significant portion of the City is situated on land granted to Sir James Pearl in 1829 by the Colonial Secretary in recognition of many years of faithful service to the Crown. In 1830, Commander Pearl built a house upon the most elevated section of his estate and named it Mount Cochrane in honour of then-governor Sir Thomas Cochrane. After the governor left Newfoundland, Pearl renamed the site Mount Pearl.
We do the shopping. You get the savings.
Newfoundlanders love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our Newfoundland customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:
How Munn Insurance saves you money.
We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.
- Bundling (Auto + Home Discount)
- Multiple Vehicle Discounts
- Experienced Drivers Discount
- Safe Drivers Discount
- Claims-Free Discount
- Loyalty Discount
- And Many More
Combine your home and car policies and save.
With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage. So combine them both and receive a discount on both. That’s like a double discount!
Combining also gives you the extra convenience of aligned renewal rates and less paperwork.
You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:
- Private Homes
- Condos
- Tenants
- Cabins/Cottages
- Rented Dwellings
Special discounts and savings with a Munn Insurance group policy.
We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland are able to take advantage of special discounts and many extra-valuable benefits.
- Special Group Discounts
- Mortgage & Real Estate Assistance
- 0% Insurance Financing
- Home Repair Assistance
- Legal Assistance
- Health Assistance
- CAA Members can SAVE up to 20% on Auto and Home Insurance
- Access to multiple insurance markets; knowing you get the best coverage at the best rate
- Confidence and security of being a member of a preferred group
- Local, fast and efficient 24/7 Claims Service
- Legal Assistance
- Health Assistance
Get Newfoundland’s best leisure vehicle protection.
Newfoundlanders love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Newfoundland. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.
- Boat and Watercraft
- ATV
- Snowmobile
- Classic Cars and Auto
- Motorhome, RV and Trailer
- Motorcycle
Car insurance laws in Mount Pearl
Mount Pearl drivers must be in possession of legally determined minimum insurance coverage to drive on our roads. These minimum limits have been enacted to ensure drivers are financially responsible if an at-fault accident occurs.
Current limits for auto insurance in Mount Pearl are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Mount Pearl drivers are not required to carry accident benefits coverage, although most do choose to buy this coverage, which includes coverage for medical payments, disability coverage, and death benefits coverage. This type of insurance is mandatory in other provinces. Many drivers in Newfoundland also opt to increase their liability coverage to limit risk and financial exposure.
There are also other optional coverages that can be purchased. These include comprehensive and collision coverage to protect in the event of an at-fault accident or non-accident scenario such as theft.
Mount Pearl car insurance – your questions answered.
Our Latest Advice
A New Insurance Benefit for NLNPA Members: Better Coverage, Service, and Savings
Learn how your NLNPA membership can help you access a dedicated group home and auto insurance program through Munn Insurance.
As part of our ongoing commitment to providing value to our members, the Newfoundland and Labrador Nurse Practitioners Association is pleased to introduce a new group insurance benefit.
NLNPA members now have access to a dedicated Group Home and Auto Insurance Program through Munn Insurance. This program has been designed to give members the opportunity to explore coverage options, personalized service, and potential savings available through their NLNPA membership.
What is the NLNPA Group Home and Auto Insurance Program?
The NLNPA Group Home and Auto Insurance Program is a member benefit available through Munn Insurance. It gives NLNPA members the opportunity to review their current home and auto insurance and see whether a group program can provide improved value.
This program is designed to help members access competitive insurance options, personalized advice, and potential group savings through a local insurance broker that understands the needs of people living and working in Newfoundland and Labrador.
Why choose a group insurance program through a broker?
Home and auto insurance can vary significantly from one insurance provider to another. The company that offered you the best rate last year may not be the best fit today, and many people renew their policies without knowing whether better options are available.
That is where a broker can make a real difference.
Munn Insurance works with multiple insurance markets, giving NLNPA members access to a wider range of options than they would get from a single insurance company. This means members have the opportunity to compare coverage, service, and pricing to find a policy that fits their needs. Direct writers are very limited in that they only have one market to offer and often have restrictive coverages and limited options.
Through the NLNPA Group Home and Auto Insurance Program, members may be able to access competitive rates, group savings, and coverage options designed to provide strong value. In many cases, working with a broker can help identify savings opportunities while also making sure important coverage is not overlooked.
A broker can also help explain policy options, answer questions, and make the insurance process easier from quote to renewal.
Better coverage for real life
Every household is different. Your insurance should reflect that.
A Nurse Practitioner living in St. John’s may have different insurance needs than someone commuting long distances, living in a rural community, owning a seasonal property, or insuring multiple vehicles. Factors like home type, driving habits, family needs, claims history, deductibles, liability limits, and bundled coverage can all make a difference.
Through the NLNPA Group Home and Auto Insurance Program, members can receive guidance on coverage options for home and auto insurance, including opportunities to bundle policies, review limits, explore available discounts, and make sure their protection still fits their current situation.
The goal is not simply to sell a policy. The goal is to help members make informed insurance decisions.
Better service from a local team
Insurance should not feel complicated or impersonal.
With Munn Insurance, NLNPA members can work with a local team that understands insurance in Newfoundland and Labrador. Members can ask questions, review existing coverage, compare options, and receive advice from licensed insurance professionals.
That personal service can be valuable when buying a policy, but it can be even more important at renewal, after a major life change, or if a claim happens.
Having a broker means having someone who can help guide you through the process, explain your options, and advocate for your needs.
Better savings through group buying power
One of the key advantages of a group insurance program is the potential for savings.
Because the program is available to members of NLNPA, eligible members may be able to access preferred rates, discounts, or additional benefits that may not be available through a standard individual policy.
Savings can also come from reviewing your current coverage, bundling home and auto insurance, adjusting deductibles, applying eligible discounts, or moving to an insurance market that is a better fit for your needs.
Even if you are happy with your current insurance, it may still be worth getting a second look. You may discover that your NLNPA membership gives you access to options you did not know were available.
Why it is worth learning more
Home and auto insurance are important parts of financial protection. But many people renew their policies year after year without reviewing whether they still have the right coverage, the right service, or the best available value.
The NLNPA Group Home and Auto Insurance Program gives members a reason to take a closer look.
By connecting with Munn Insurance, NLNPA members can find out whether the program may offer:
- More suitable coverage for their needs
- Competitive home and auto insurance rates
- Potential group savings
- Advice from a licensed insurance broker
- Local service and support
- Access to multiple insurance markets
- Help understand coverage options before making a decision
A practical benefit for NLNPA members
Your NLNPA membership connects you with your professional community. Now, it can also help connect you with a dedicated insurance program designed to provide value beyond your day-to-day work.
Whether you are buying a home, renewing your auto insurance, reviewing your family’s coverage, or simply wondering whether you could be getting better value, this new program is worth exploring.
Get started
NLNPA members are encouraged to contact Munn Insurance to learn more about the Group Home and Auto Insurance Program and request a quote.
You may find better coverage, better service, and better savings are available through your NLNPA membership.
Contact Munn Insurance today at 1-855-726-8627 to learn more about your NLNPA Group Home and Auto Insurance Program or visit them online at www.munninsurance.com.
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