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Auto Mount Pearl Newfoundland Insurance Quotes2022-11-02T14:00:09-02:30

Save on auto 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 auto 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
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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

Mount Pearl is a small community on the outskirts of St. John’s.

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 a St. John’s municipality.

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.

There are no attractions within Mount Pearl.

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.

Mount Pearl is a modern city with no historical background.

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 auto 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
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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
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  • 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
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Someone driving an ATV
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A girl on a boat wearing a life jacket and holding a fishing rod.
Two people riding a snowmobile.
Someone driving a 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.

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How is fault determined by insurance companies in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

In Newfoundland, the adjusters for the insurance companies involved in the claim will determine who is at fault. Each insurance company uses its own guidelines to come up with a fault determination.

Newfoundland is unusual in Canada in that it has no type of no-fault benefits. The insurance company for the at-fault driver is responsible for paying out on damages to the other driver’s vehicle as well as for injuries. Accident benefits are not a mandatory coverage in Newfoundland but are available to drivers who choose to add them to their insurance policy.

The handling of claims is governed by insurance regulations; the 2004 reforms helped to reduce the cost of lawsuits, but drivers can still be sued for pain and suffering.

What insurance system does Newfoundland and Labrador adhere to?2022-09-23T14:09:35-02:30

Newfoundland and Labrador operates under the tort system. This lets you sue an at-fault driver for your pain and suffering, wage losses, and other damages related to an accident.

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?2022-09-23T14:09:35-02:30

If you’re convicted of driving without insurance in Newfoundland and Labrador, you’ll have to pay a fine that ranges from $2,000 to $4,000 for your first offence. The fine increases to a range of $3,000 to $5,000 for second and subsequent offences. And there are other penalties that may accompany your fine. If you’re charged for driving without insurance in Newfoundland and Labrador, you may also have your driver’s license suspended and your vehicle impounded for 90 days.

Is auto insurance mandatory in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

Yes. The law requires motorists to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

There are many ways to get cheap auto insurance in Newfoundland and Labrador:

  • Work with an independent broker who can help you find the best policy
  • Always pay your premiums on time
  • Choose a vehicle with less susceptibility to theft
  • Choose a vehicle with more safety and security features
  • Maintain a good driving history
  • Obey the rules of the road and avoid speeding tickets
  • Understand and choose the right type of insurance coverage
  • Shop around for the best policy
Newfoundland and Labrador’s auto insurance rates are low. Why?2022-09-23T14:09:35-02:30

Auto insurance rates in Newfoundland and Labrador are on the lower side of the spectrum thanks, in large part, to the reforms enacted by the government in 2004. These auto insurance reforms helped reduce rates across the province. But according to the Insurance Bureau of Canada, additional reforms are necessary to maintain rate stability. Problems that allow for large pain and suffering awards for relatively minor injuries continue to exist in the province’s auto insurance system.

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?2022-09-23T14:09:35-02:30

Newfoundland and Labrador auto insurance premiums fall in the lower half of the national rate spectrum.

  • Ontario $1445
  • British Columbia $1680
  • Alberta $1251
  • Manitoba $1080
  • North West Territories $978
  • Nunavut $963
  • Nova Scotia $847
  • Saskatchewan $936
  • New Brunswick $819
  • Prince Edward Island $796
  • Quebec $661

Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

Auto insurance rates in Newfoundland and Labrador are determined by a variety of factors:

  • Your driving record
  • The type and age of your car
  • Your insurance claims record
  • Your annual mileage and territory of use
  • How you use your car (personal or business)
  • Whether or not any other drivers in the household use your car

The 2004 auto insurance reform prevents auto insurance companies from denying coverage or increasing rates solely on the basis of any of these factors:

  • Age and gender
  • Age of the vehicle
  • Accidents in which you were not at fault
  • Lapses in insurance except when tied to a license suspension for a violation of traffic laws
  • Previously being refused insurance by another company
  • Being insured with Facility Association
In Newfoundland and Labrador, who determines auto insurance rates?2022-09-23T14:09:35-02:30

In Newfoundland and Labrador, individual insurers set auto insurance rates, which are then regulated and approved by the Newfoundland and Labrador Board of Commissioners of Public Utilities. Among the top factors that go into determining your rate are your driving record including tickets or at-fault accidents, the value of the car you drive as well as the make and model, and your driving habits including the length of your daily commute.

As one of Atlantic Canada’s largest independent brokers, we work for you – not the insurance company. So we always have your best interests at heart. That’s why we will shop around to find you the best insurance at the best price.

Our Latest Advice

What You Need to Know to Keep Your Data Safe

Data Privacy Day is a good time to remember why and how you should protect your personal, financial, business, and other information from falling into the wrong hands. Since there can be so much data to keep track of, it is easy to feel confused or overwhelmed about where to start. We compiled the following list of our favourite tips to help you better safeguard your files from potential cyber risks.

1. Create strong passphrases 

This extends beyond email or banking passwords, since household appliances and systems from security cameras to baby monitors are also interconnected over the internet, and can be hacked. 

Therefore, try changing the default passwords for any devices to a complex passphrase consisting of a mix of numbers, symbols, as well as both upper- and lower-case letters. You can couple this with updating your passwords regularly, or using a password manager that will allow you to organize your passwords, for an added layer of protection.

2. Secure your accounts

Using Multi-Factor Authentication (MFA) would require verifying your identity. This usually involves a fingerprint/facial/retinal scan. Alternatively, you can use your email address or phone number to receive a specific code that you can then use to login to your account. This means that in order for someone to gain access to your account(s), they would also need access to your phone or computer.

3. Do not trust suspicious links and use an antivirus

Seeing as there is an increase of malware programs in the form of annoying pop-ups to background data-mining that scan for personal data, it is important to be wary and think before clicking sketchy links. 

An effective antivirus should offer protection from trojan horse programs or ransomware that seem legitimate but steal information behind the scenes, as well as bots that spam you with unsafe links and attachments. Make sure you check your antivirus software periodically and ensure that it remains updated.

4. Be mindful of public or free Wi-Fi

Relying on public Wi-Fi networks comes with its own risks, especially since most offer insufficient security. Someone else on the same network as you can easily access your data. 

Try avoiding making financial transactions and sending sensitive information when using free Wi-Fi. Additionally, you can take a look at the search bar at the top of your browser and if your URL begins with “https” and there is a lock symbol, it means that the site can be trusted.

5. Regularly backup your data

The most tried-and-true method of data protection involves creating a copy – sometimes more than one – of your information and storing it on a cloud storage system such as Google Drive, Dropbox or OneDrive. This way, if your files are ever stolen, lost, or generally compromised you do not end up losing important data. 

You could also go the extra mile by disposing of old data from previous devices AFTER backing it up and storing it elsewhere. This can be done by wiping the old disk with software or just plain shredding it.

The best way to protect your data privacy is to be proactive in your own internet security. Keeping these tips in mind will help you navigate the digital world knowing your data is safer.

January 26, 2023|Categories: News|
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