Service and Savings in Nova Scotia

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Auto Nova Scotia2022-11-01T10:42:48-02:30

Save on auto insurance in Nova Scotia.

We’re one of Nova Scotia’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 Nova Scotia’s best auto protection and benefits. That’s a promise.

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Real people.

Our customers love to save.

I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.

Kay, St. John's

Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.

Diane, St. John's

I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.

Peter, Halifax

Real people.

Our customers love to save.

I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.

Kay, St. John's

Unique benefits of a Munn Insurance auto policy.

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Great additional features that come standard with your automobile insurance policy from Munn Insurance:

  • Unbeatable customer care – we will show you the love
  • Easy monthly payments – unparalleled convenience
  • Discounts, discounts and more discounts – too many to list them all
  • Accident forgiveness – the best available
  • Local, fast and efficient 24-7 claims service
  • Combine your home and auto policy and save on both – most companies only give the home discount
  • Industry leading new vehicle 30-month depreciation waiver – which is insurance speak for “more money in your pocket!”

Compare auto insurance quotes in Nova Scotia — and just see what you can do with the savings!

In Nova Scotia, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies.  By calling Munn, or going online for a quote, customers in Nova Scotia can easily compare car insurance rates and find the best car insurance and save on their auto insurance premiums.

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We do the shopping. You get the savings.

Customers 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 customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:

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Recent Auto Insurance Quotes in Nova Scotia

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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A. Harvey

Get Nova Scotia’s best leisure vehicle protection.

Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. 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 a motorcycle.

Car insurance laws in Nova Scotia.

It is mandatory to have auto insurance for all vehicles in Nova Scotia. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.

Current limits for auto insurance in Nova Scotia are:

  • $500,000 liability coverage
  • $50,000 medical payments coverage
  • $2,500 funeral benefits
  • Disability income/death benefits for persons injured or killed in an auto accident
  • Uninsured and unidentified driver insurance

Nova Scotia has a no-fault based insurance system. This means drivers can file claims with their own insurance company, regardless of who is at fault for the accident. In addition, the province does not take age or marital status into account when determining risk.

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Nova Scotia car insurance – your questions answered.

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How is fault determined by insurance companies in Nova Scotia?2022-09-23T14:25:35-02:30

The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”

What insurance system does Nova Scotia adhere to?2022-09-23T14:25:35-02:30

Nova Scotia’s auto insurance system is a no-fault system, meaning regardless of who’s at fault, drivers deal with their own insurance company.

In Nova Scotia, what are the penalties for driving without auto insurance?2022-09-23T14:25:35-02:30

A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.

Is auto insurance mandatory in Nova Scotia?2022-09-23T14:25:35-02:30

Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Nova Scotia?2022-09-23T14:25:35-02:30

There are many ways to get cheap auto insurance in Nova Scotia:

  • 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
Nova Scotia’s auto insurance rates are low. Why?2022-09-23T14:25:35-02:30

Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.

How do auto insurance rates in Nova Scotia compare to other provinces?2022-09-23T14:25:35-02:30
  • Nova Scotia 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 Nova Scotia?2022-09-23T14:25:35-02:30

A variety of factors are used by Nova Scotia insurers to set auto insurance rates:

  • Your gender
  • Deductible amount
  • Your vehicle’s value
  • How you use your vehicle
  • Distance you drive each day
  • Who else is driving the vehicle
  • Type of coverage chosen
  • Driving record/claim history of all drivers
  • Vehicle type and theft rating
In Nova Scotia, who determines auto insurance rates?2022-09-23T14:25:36-02:30

Auto insurance rates in Nova Scotia are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.

Auto Insurance by community content.

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

Fall Lawn Care Tips for a Greener Spring

Today marks the first day of fall, and soon we will see the tell-tale signs that the seasons are changing. The leaves will soon start changing colours, hinting that snow is just around the corner. Frost will soon greet us in the morning (so make sure you have a scraper in the car!). Summer is regrettably all but over. At this time of year, it’s typical to forget about lawn care as thoughts turn towards preparing for the long months of winter that lie ahead. But if you are expecting green grass in the spring, there is still work to be done.

Here are eight simple fall lawn care tips (say that ten times fast!) so that you can prepare for the colder months ahead and give your lawn every chance to grow lush and green in the spring.

  • Mow. One of many helpful fall lawn care tips is to continue mowing, even when it starts to get colder. Keep mowing until you see the growth slow. Try and keep your grass at 2 to 2 1/2 inches (5 to 6 cm) tall throughout the fall months. If it gets any longer, it can mat and this can damage your lawn. If it is shorter, your lawn’s ability to store food for growth will be limited.
  • Water. Although the temperatures are cooler, it is important to continue watering. Since grass continues to grow in the fall, it is important to sustain its growth by watering consistently. Water as needed until the ground begins to freeze.
  • Weed. Take care of those last few weeds. Hopefully you have been keeping up on that all summer and you are winning that never-ending battle.  Deal with the last remaining hold-outs before leaves and snow make it difficult for you to keep up. Not only can it be harder to deal with weeds at that point, some weeds can be particularly aggressive and start to take over your lawn in the fall when your grass is becoming less active.
  • Rake. Be sure to thoroughly rake your lawn before the snow falls. Over time, grass clippings and leaves will start to decompose, taking important moisture out of your soil and providing a welcome home to insects that may damage your lawn. Decaying leaves may also leave dead spots in your lawn in the spring, which will invite weeds to quickly move in and take over.
  • Aerate. Over time the soil in your lawn can become hard and compacted, making it more difficult for nutrients and water to reach the grass roots. To help provide the air pockets needed for a healthy lawn, make sure your lawn is aerated annually. Fall is a great time to do this and gives your lawn the best chance to receive the nutrients and water it needs to grow healthy all season long.
  • Over-seed.As your lawn gets older, it becomes tired, and grass reproduction rates slow down. This is when those weeds can start to take over. To combat this, spread grass seed over your entire lawn before the first snowfall. Apply all grass seed according to package directions and make sure to keep your lawn watered. This will encourage new grass to pop up and fill in those unhealthy spots and contribute to a beautiful fresh green lawn next spring.
  • Lime. Most soils in the Atlantic region are naturally acidic, and liming is essential to keep the soil rich to support a healthy lawn. While lime can be applied to a lawn any time of the year that soil isn’t frozen, it is typically done during spring and fall. It is recommended to apply lime twice a year to maintain soil pH and improve fertilizer performance. Apply all lime according to package directions.
  • Fertilize. A special fall fertilizer will help your grass get all of the nutrients it needs to stay healthy in the fall and come back vigorously in the spring. Fertilize early in the fall season to keep your lawn beautiful and healthy throughout the autumn months, letting you enjoy it just a little longer before the snow comes. Apply all fertilizers according to package directions to avoid burning the lawn.

Follow these simple lawn care tips, and you are sure to have a greener lawn when the snow melts. Good luck! Can’t wait for Spring!

If you would like more information on lawn care tips and how to keep your lawn greener, or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627 today.

September 22, 2023|Categories: News|
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