Dartmouth amalgamated with Halifax in 1996, making it a part of the greater Halifax area. But it still has a vibe all its own. With its own identity, you cross the bridge into a community where you can walk along the waterfront and take in the amazing view of Halifax from across the water. It’s an adventure to experience. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in Dartmouth and save while you’re doing it.
Save on auto insurance in Dartmouth.
We're one of Dartmouth'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 Dartmouth’s best auto protection and benefits. That's a promise.
Save on auto insurance in Dartmouth.
We're one of Dartmouth'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 Dartmouth’s best auto protection and benefits. That's a promise.
Dartmouth, just a skip away.
Driving in Dartmouth – Tips to keep you on the road.
Keep your hands on the wheel.
New regulations in Nova Scotia have changed from it just being illegal to text or use your phone while driving to cover all hand-held communication/entertainment devices, or any other prescribed electronic device. This also includes using the GPS. Plan everything before you put the car in drive. It will take about two years from passage before all new regulations and the new law are in place, but practice makes perfect. Start your good driving habits now.
Help keep workers safe.
When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane farther away from the stopped vehicle if it can be done safely. A motorist must obey these laws for ambulances, police vehicles, fire department vehicles, Department of Lands and Forestry fire vehicles, fire chiefs’ or deputy fire chiefs’ vehicles, conservation officers’ vehicles, motor vehicle and carrier inspectors’ vehicles, public safety vehicles such as sheriffs and bridge patrol officers, and tow trucks that are stopped at the scene of a fire or collision or assisting a vehicle. A fine can be as high as $350 for a first offence, with the potential to go higher.
Check your vehicle.
Always keep your car well maintained. Make sure your tires are properly inflated, and your fluids are all at proper levels. Maintain a consistent check that your vehicle’s equipment is functioning properly. Also, seasons change abruptly in the Maritimes. Always be ready for autumn to suddenly become winter.
Give pedestrians a head start.
In developments from Fall 2019, the Halifax Regional Municipality and the Provincial Government made strides in protecting pedestrians and motorists. Statistics revealed in the first eight months of 2018 there were 120 vehicle-pedestrian collisions in the municipality with 61% of them happening in a crosswalk. To improve safety, Halifax has installed what is referred to as “advanced pedestrian lights” at six high-pedestrian traffic intersections in the City, five in Halifax and one in Dartmouth. A green pedestrian “walking man” signal comes on for several seconds before the traffic light turns green. In this way, pedestrians are given a head start to proceed forward into the crosswalk and be seen.
A few facts about auto insurance in Dartmouth.
- The average age of auto insurance policyholder in Dartmouth is 36
- The average age of drivers in Dartmouth is 49
- The number of accident claims in Dartmouth in 2018 was 5100
- The top automotive brands we insure in Dartmouth are
- 81% of people in Dartmouth drive Cars
- 19% of people in Dartmouth drive Trucks
Facts and myths about Dartmouth.
Facts
Dartmouth amalgamated with Halifax on April 1, 1996.
Dartmouth has been nicknamed the City of Lakes, after the large number of lakes located within its boundaries.
The community is linked to Halifax by the oldest continuously operating salt water ferry service in North America with the first crossing having taken place in 1752.
Dartmouth was initially a sawmill and agricultural outpost of Halifax. In the mid 19th century, it grew with the construction of the Shubenacadie Canal and more importantly, with the rise of successful industrial firms such as the Dartmouth Marine Slips, the Starr Manufacturing Company, and the Stairs Ropeworks.
Myths
Dartmouth has always been a part of Halifax.
Amalgamation didn’t happen until 1996. Before that it wasn’t officially a region of the City of Halifax.
It’s difficult to get from Halifax City into Dartmouth.
There is a ferry service that connects Halifax to Dartmouth. The MacKay Bridge was built in 1970 and connects both areas as well as the McDonald bridge. Thousands commute back and forth each day, as well as use the metro service.
There is no public transportation.
There is a bus service with a fleet on 322 conventional buses, all of which are low floor and wheelchair accessible.
There are limited educational facilities within Dartmouth.
Dartmouth is home to a long list of K-12 schools, with both English and French programs. It is also home to post-secondary campuses, such as the Nova Scotia Community College Dartmouth campus.
We do the shopping. You get the savings.
We do the shopping. You get the savings.
Nova Scotians 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 Nova Scotia 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 New Glasgow. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across Nova Scotia. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Nova Scotia 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
Get New Glasgow’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
Car insurance laws in New Glasgow.
It is mandatory to have auto insurance for all vehicles in New Glasgow. 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 New Glasgow 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. Drivers can file claims with their own insurance company, regardless of who is at fault for the accident. Also, the province does not take age or marital status into account when determining risk.
New Glasgow car insurance – your questions answered.
In Nova Scotia, who determines auto insurance rates?
New Glasgow auto insurance rates 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.
What are the factors used to determine auto insurance rates in Nova Scotia?
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
How do auto insurance rates in Nova Scotia compare to other provinces?
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
Nova Scotia’s auto insurance rates are low. Why?
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.
What can I do to find cheap auto insurance in New Glasgow?
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
Is auto insurance mandatory in Nova Scotia?
Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.
In Nova Scotia, what are the penalties for driving without auto insurance?
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.
What insurance system does Nova Scotia adhere to?
Nova Scotia’s auto insurance system is a no-fault system. Regardless of who’s at fault, drivers deal with their own insurance company.
How is fault determined by insurance companies in Nova Scotia?
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.”
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
Do You Need Classic Car Insurance?
For many car enthusiasts, the idea of owning a classic car is enough to get their hearts racing. However, owning a classic car means taking a different approach to its care. Not all repair shops will know how to care for the engine; they may only be equipped for running diagnostics on today’s highly computerized cars.
If you are thinking about getting involved in the world of “old” cars, you should learn the various car classifications: antique, vintage and classic. Each class has its own meaning and mastering these is one of the most basic concepts of learning this hobby. While some of these classifications are open to interpretation and can vary, there are attempts to create conformity. In fact, in some cases there are state laws that regulate how these words are used. In other situations, there are definitions set by car collector groups.
Here are a few things to know before you buy:
Antique, Classic or Vintage?
While the terms antique, classic and vintage seem interchangeable, they are very separate designations. Antique cars, for example, are usually cars that are more than 45 years old and are maintained to keep the original manufacturer specifications.
Vintage cars may be antiques, and some antiques may be vintage – but that’s not always the case. Usually cars are considered vintage if they were manufactured between 1919 and 1930, though some classifications end the vintage designation at 1925. Learn more about the difference between vintage and classic cars here.
Classic cars must be at least 20 years old, but no older than 40 years old. As with antiques, cars should stay true to the original design – but those that are modified with aftermarket touches, may still qualify as a true classic car.
Classic Car Coverage
When it comes to insuring your classic, antique or vintage car, you will quickly find out it’s not the same as insuring the family car. If your car is a collectible, you’ll want to look into a policy designed specifically for collectibles. While your regular car is insured with the idea that it is depreciating in value almost immediately after you buy it, a classic or antique car may appreciate in value – particularly if you are planning to put work into restoring it.
Surprisingly, you may find the premium is lower on your classic or antique car, even though it might carry a higher replacement cost. That’s because collectibles such as classic, vintage and antique autos tend to spend more time in the garage than they spend on the road.
Depending on its designation, your car may be restricted for driving only at certain car club events, parades or other special occasions. When exploring coverage options, it is important to know if your car is mainly going to be used for shows rather than regular driving.
Since insurance rates can vary, make sure you talk with your agent about whether your car is antique, vintage or classic.
If you would like more information on classic car insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance toll free at 1-855-726-8627 today.
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