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Save on auto insurance in New Glasgow.

We're one of New Glasgow'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 New Glasgow’s best auto protection and benefits. That's a promise.
Save on auto insurance in New Glasgow.
We're one of New Glasgow'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 New Glasgow’s best auto protection and benefits. That's a promise.
New Glasgow, a modern town based in heritage.
Ship New Glasgow Auto Insurance
Ship New Glasgow Car Insurance

New Glasgow’s charm and nature wrap around you here. History and culture meet modern conveniences. There is no wonder anyone calls New Glasgow home. Just a two-hour drive from Halifax and a 90-minute drive from Stanfield International Airport, it’s just close enough to be perfectly far away. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in New Glasgow and save while you’re doing it.

Driving in New Glasgow – Tips to keep you on the road.

Did you know…

The “blind spot” is the name for the area on either side of a car that is invisible to wing mirrors. However, that isn’t completely true. Maybe your car’s wing mirrors are just adjusted incorrectly. Blind spots can be put into full view of your side mirrors, provided that these mirrors are adjusted to contain no part of your own car. Angle them away from you to the point where your car is no longer visible in either one. With doing this there’s no overlap between them and the rear-view mirror. Any car that’s passing you on either side will remain in at least one of your mirrors until it enters your field of vision. This doesn’t eliminate your need to manually check your blind spots, but it is just another form of protection to keep you safe on the roads.

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.

Lights on.

You can reduce your risk of being involved in an accident just by keeping your lights on at all times, including during the day. Drivers are less likely to pull out in front of you if they can instantly see the glare of your headlights in a quick glance. This also counts for pedestrians and cyclists. In countries like Canada, Sweden and Finland, all new cars are required to have automatic running lights that stay on at all times. However, if your vehicle is an older model, just take a moment and flick on your lights.

Fog means focused.

Nova Scotia has its fair share of fog, and New Glasgow is no exception to the towns that can be hit by this extremely dangerous weather condition that is often underplayed. Drivers should slow down as driving at normal speeds in fog can be very dangerous. Slowing down means more time to react to traffic stops and potential hazards. Also, motorists should avoid using high-beam headlights in fog as fog consists of tiny water droplets that spread and reflect light. Low-beams should be used to help vehicles to be visible to one another. And last, always remain focused. Turn down the radio, stop conversations and keep attention on the road.

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A few facts about auto insurance in New Glasgow.
  • The average age of auto insurance policyholder in New Glasgow is 32
  • The average age of drivers in New Glasgow is 46
  • The number of accident claims in New Glasgow in 2018 was 1400
  • The top automotive brands we insure in New Glasgow are Chevrolet, Ford, Toyota, Honda, Dodge, Mazda, Jeep, Chrysler
  • 69% of people in New Glasgow drive Cars
  • 31% of people in New Glasgow drive Trucks
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Facts and myths about New Glasgow.

Facts

It’s the former home of J.D. Fortune, former lead singer of Australian rock band INXS. He was chosen as their new singer after winning CBS's Rock Star: INXS in 2005.

Glasgow Square Theatre, located on the downtown riverfront, is a 285-seat auditorium that hosts year-round concerts, plays, and other community functions. The theatre can be transformed into an outdoor amphitheatre, one of the few theatres in Canada (if not the only) that can do that.

Every year since 1995, the New Glasgow Riverfront Jubilee has welcomed local and international musicians to its stage for three days of family entertainment. Held over the first of August long weekend, the Jubilee features rock, blues, folk, country and the best East Coast music from new and established artists.

The Town of New Glasgow was born with the arrival of Scottish immigrants in the late 18th century. In 1784, Deacon Thomas Fraser moved his family from the Scottish settlement at Pictou and settled them along the western side of the East River. Over the following years, others would join them, and it became a distinct village that the inhabitants would name New Glasgow, in honour of Glasgow, Scotland.

Myths

It’s not economically viable.

The range and quality of services of a modern, self-sufficient community are all readily available. Today retail, manufacturing, forestry, pulp and paper, food retail/distribution, technology and tourism are among the economic engines of the entire Pictou County region.

There is limited healthcare.

The Pictou County Health Authority is responsible for delivering health care services to the 46,000 residents of Pictou County. The care is delivered through the Aberdeen Hospital in New Glasgow.

Home ownership is difficult.

The Province of Nova Scotia provides assistance to low-income homeowners who cannot afford to carry out emergency repairs to their homes.

There are limited educational facilities within New Glasgow.

New Glasgow has three elementary schools and a new state-of-the-art high school.

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:
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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
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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 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
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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
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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.

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Halifax clocktower nova scotia
New Glasgow car insurance – your questions answered.
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  • 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.”

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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.
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Financial Relief Measures. What insurance companies are doing to support customers.

Financial Relief Measures | Munn Insurance

Are you looking for financial relief and help understanding what insurance companies are doing to support customers during COVID-19 crisis?  We have the answers.

As a result of the COVID-19 crisis, many insurance companies such as Aviva, Intact¸ Travelers, Economical, Pembridge, Pafco, Wawanesa, RSA, and CAA (members of the Insurance Bureau of Canada) have stated their willingness to help consumers at this difficult time.  These are the companies that set the rates and define the insurance products that brokers like Munn can provide to customers.

On April 8th, the Insurance Bureau of Canada (IBC) announced that the industry was making changes to help Canadians cope with the financial impact of COVID-19 including substantial financial relief measures. There are many different solutions being discussed and some differ from one insurance provider to another.  That can be confusing.  But we can help.

We have reviewed the programs and promises from each insurance company and have had discussions with our many insurance markets to understand how they are stepping up to help consumers at this time.

Here is a summary of the programs that are in place to help you currently:

  1. Lower premium if you are driving less: For some consumers whose driving habits have changed significantly, certain insurance companies are offering reductions in auto insurance premiums to reflect this reduced risk.  If you had indicated having a low annual driving usage and had to drive short distances to work when you originally purchased your policy, you may not benefit from this change.
  2. Lower premium if you have stopped driving: Customers who have stopped driving entirely can reduce their auto insurance premiums with some insurance companies. This is an example of reducing coverage on your policy and this could help you reduce your premium.
  3. Deferred premiums: Customers who are experiencing financial stress due to COVID-19 can call their broker to defer their insurance premium for up to 90 days without additional fee or penalty with certain insurance markets. Payment of the deferred premiums will be required following the deferral period.
  4. Freezing premium increases at renewal: While several insurance markets have filed for and have been permitted rate increases in 2020, some insurance markets are freezing any additional and future premium increases after a certain date. If applicable, this would apply to renewals processed after a certain date upon approval from the regulator in each province.  Customers who have had significant claims losses or traffic violations may not be eligible for this benefit.
  5. Flexible payment options: Certain insurance companies have committed to explore flexible payment options on renewals for consumers who are in a vulnerable position or facing financial hardship because of COVID-19. Insurance companies may not apply these payment options on new business sales.
  6. Waiving fees: Several insurance companies have agreed to waive certain fees and charges (i.e. non-sufficient funds also known as an NSF fee). Customers would however remain responsible for any NSF fees your bank may charge you.
  7. Flexible coverage: If you are temporarily using your car or home differently (for example, you may be using your car to commute to work instead of taking public transit, or you may be working from home) it will not affect your premium or your ability to make a claim.

We understand this is a difficult time for individuals, families and businesses. Our priority is to be here to help you in this time of uncertainty. The options provided by each insurance company are slightly different. If you need help understanding how to take advantage of the programs being offered or would like a quote to compare with your current policy, please contact Munn Insurance at 855-726-8627 We’re here to help!

http://www.ibc.ca/on/resources/media-centre/media-releases/insurers-reducing-insurance-costs-for-canadians-ibc-member-companies-offer-substantial-consumer-relief-measures

https://www.aviva.ca/en/press-releases/2020/covid-19-helping-drivers/

https://www.intact.ca/on/en/covid19.html

https://www.travelers.com/about-travelers/covid-19-coronavirus-update

https://www.pembridge.com/