Save on auto insurance in Paradise.
We’re one of Paradise’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 Paradise’s best auto protection and benefits. That’s a promise.
Paradise, the place to work and play.
Located just minutes from the Capital City, Paradise is a beautiful mix of both urban and community living. Being one of Atlantic Canada’s fastest-growing municipalities, residents settle here for the easy access to work, shopping, recreational and cultural attractions as well as hospitals and educational institutions. Perfectly centred, you’ll find your drive to surrounding areas easy, if not quick. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Paradise and save while you’re doing it.
Driving in Paradise – Tips to keep you on the road.
PRACTICE THE MOVE OVER LAW.
As in all of Newfoundland, Paradise 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.
HAND FREE AT ALL TIMES.
Fines for using a cell phone while driving are high in the province of Newfoundland, and the RNC are extremely vigilant in the Town of Paradise. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
JUST ONE DRINK.
Newfoundland has severe impaired driving regulations to help keep all residents safe. As of 2017, any driver whose licence was suspended after an impaired driving conviction will be required to enter a mandatory ignition interlock program as a condition of reinstatement. As well, anyone 22 years and younger are required to maintain a zero-blood alcohol content while driving. Not a risk you want to take.
KEEP A KEEN EYE FOR MOOSE.
Even though Paradise is considered an urban centre, moose populate every corner of the province. There are approximately 120,000 moose on the island and even the more populated areas are surrounded by dense forest areas. The animals tend to wander onto roadways and are more active during sunrise and sunset. Don’t be fooled by the fact you may be driving by a shopping plaza; a moose can very easily wander across your path.
A few facts about auto insurance in Paradise.
- The average age of auto insurance policyholder in Paradise is 35
- The average age of drivers in Paradise is 46
- The number of accident claims in Paradise in 2018 was 1800
- The top automotive brands we insure in Paradise are Honda, Ford, Toyota, Chevrolet, Dodge, Volkswagen, Hyundai
- 64% of people in Paradise drive Cars
- 36% of people in Paradise drive Trucks
Facts and myths about Paradise.
FACTS
Precambrian bedrock underlies the Town, with a belt of volcanic rock along the coast and clastic sedimentary rock inland.
The Town crest was created by a former town council member and one-time mayor, “Black” Arch Janes in 1986.
The war memorial located at the town hall was also designed by Arch Janes before his death in 1987.
In the 2009 municipal election, 19-year-old Kurtis Coombs was declared as mayor, making him the youngest mayor in Canada. However, a recount was called, and Coombs and incumbent Ralph Wiseman tied in votes. A draw was used to determine the winner with Wiseman being picked as mayor. Another recount was called that resulted in another tie and Wiseman was stated to stand as mayor.
MYTHS
Paradise is the fastest growing town in Atlantic Canada. For residents and visitors, Paradise also has a variety of recreation facilities and services, including community programs, groups and classes.
The Town has a very modern and developed park that includes an accessible playground, splash pad, beach volleyball courts, community stage and there are also two fenced dog parks, one for small dogs and one for larger dogs. Each dog park includes water fountains to service both dogs and their humans.
As the fastest growing town in Atlantic Canada, Paradise is home to a booming population that is also growing in business needs. Paradise is serviced by Metrobus, and with rapid land development there are abundant opportunities for businesses of all types to set up shop.
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
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 Paradise.
Paradise 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 Paradise are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Paradise 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.
Paradise car insurance – your questions answered.
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.
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