Service and Savings in Nova Scotia

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Auto New Glasgow Nova Scotia Insurance Quotes2022-11-02T14:10:45-02:30

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.

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 wholly true. Maybe your car’s wing mirrors are just adjusted incorrectly. Put blind spots into full view of your side mirrors when mirrors are adjusted to contain no part of your vehicle. Angle them away from you to the point where your vehicle is no longer visible in either one. 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 adjustment doesn’t eliminate your need to check your blind spots manually, 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.

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, if safe to do so, farther away from the stopped vehicle if it can. The driver must obey these laws for emergency and law enforcement vehicles. A fine can be as high as $350 for a first offence, with the potential to go higher.

IMPAIRED DRIVING DOESN’T JUST MEAN SUBSTANCES.

Driving under the influence of a substance is dangerous and illegal. But what isn’t thought about often is that a severe lack of sleep could also impair you just as much. Any time your mental facilities could be compromised – whether from alcohol, poor sleep, new medication, or even having a horrible cold, take time off the road.

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
A father and son holding hands, smiling at one another.

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.

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
A woman looking through a window.

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
A day and his son cleaning a Mustang car.
Someone driving an ATV
Two girls hanging out the door of an RV
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 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.

Nova Scotian clock tower

New Glasgow car insurance – your questions answered.

A young girl sitting in a car seat in a pink jacket.
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

What to do when a wildfire occurs

If you are a Munn Insurance customer with property coverage, you are protected in the event of a fire. While our brave firefighters will do everything in their power to get the fire under control, there are some things you can do as a property owner during and after a wildfire to keep your home and family safe.

During a Wildfire

If you are advised to evacuate, do so immediately. Take your disaster supply kit, lock your home and choose a route away from the wildfire. Watch for changes in the speed and direction of the fire and smoke. Tell someone when you leave and where you are going.

If you are not ordered to evacuate and have time to prepare your home, take the following actions:

  • Arrange temporary housing at a friend or relative’s home outside the threatened area in case you need to evacuate, or contact the Canadian Red Cross at 1-800-222-9597.
  • Wear protective clothing when outside, such as sturdy shoes, cotton or wool clothes, long pants, a long-sleeved shirt, gloves and a handkerchief to protect your face.
  • Close outside attic, eaves, basement vents, windows, doors, and other openings. Remove flammable drapes and curtains. Close all shutters, blinds or heavy non-combustible window coverings to reduce radiant heat.
  • Close all doors inside the house to prevent drafts. Open the damper on your fireplace, but close the fireplace screen.
  • Shut off any natural gas, propane or fuel oil supplies at the source.
  • Connect garden hoses to outdoor water taps and fill any pools, hot tubs, garbage cans, tubs or other large containers with water.
  • Place lawn sprinklers on the roof and near aboveground fuel tanks. Leave sprinklers on and dowse these structures as long as possible.
  • If you have gas-powered pumps for water, make sure they are fuelled and ready.
  • Place valuable papers, mementos and anything “you can’t live without” inside the car in the garage, ready for quick departure.
  • Move flammable furniture into the center of the home away from the windows and sliding glass doors.
  • Turn on outside lights and leave a light on in every room to make the house more visible in heavy smoke.

After a Wildfire

The following are guidelines for what to do in the period following a wildfire.

  • If you remain at home, check the roof immediately after the fire danger has passed. Put out any roof fires, sparks or embers. Check the attic for hidden burning sparks.
  • For several hours after the wildfire, maintain a “fire watch.” Re-check for smoke and sparks throughout the house.
  • If you have evacuated, do not enter your home until fire officials say it is safe.
  • If you must leave your home because a building inspector says the building is unsafe, ask someone you trust to watch the property during your absence.
  • Use caution when entering burned areas as hazards may still exist, including hot spots, which can flare up without warning.
  • If you detect heat or smoke when entering a damaged building, evacuate immediately.
  • If you have a safe or strongbox, do not try to open it. It can hold intense heat for several hours. If the door is opened before the box has cooled, the contents could burst into flames.
  • Avoid damaged or fallen power lines, poles and downed wires.
  • Watch for ash pits and mark them for safety. Warn family and neighbours to keep clear of the pits.
  • Watch your pets closely and keep them under your direct control. Hidden embers and hot spots could burn them.
  • Follow public health guidance on safe cleanup of fire ash and safe use of masks.
  • Dampen debris to minimize inhaling dust particles.
  • Wear leather gloves and heavy-soled shoes to protect your hands and feet.
  • Properly dispose of cleaning products, paint, batteries and damaged fuel containers to avoid risk.
  • Discard any food that has been exposed to heat, smoke or soot.
  • Do NOT use water that you think may be contaminated to wash dishes, brush your teeth, prepare food, wash your hands, make ice or make baby formula.
  • You may find yourself in the position of taking charge of other people. Listen carefully to what people tell you, and deal patiently with urgent situations first.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes.

May 24, 2023|Categories: News|
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