Truro is located in the heart of Nova Scotia and has been called one of the best places to live in all of Canada, so we know why you live there. As the ‘Hub of Nova Scotia’, the Town is bustling and busy with urban development, but chock-full of character and charm. With parks and trails to boutique shopping and live performances, you know how to live life here. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in Truro and save while you’re doing it.
Save on auto insurance in Truro.
We're one of Truro'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 Truro’s best auto protection and benefits. That's a promise.
Save on auto insurance in Truro.
We're one of Truro'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 Truro’s best auto protection and benefits. That's a promise.
Truro, the heart of Nova Scotia.
Driving in Truro – Tips to keep you on the road.
Help keep workers safe.
When an emergency vehicle is 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.
Strong wind means special consideration.
Wind may not seem like a significant risk, but Truro is known for its high gusts of winds through all seasons. Drivers need to take care when driving through areas prone to strong winds or when weather reports predict severe weather. Also, motorists should notice larger vehicles such as tractor-trailers as they are much more susceptible to high winds. And drivers should always keep a firm grip on the wheel as strong winds have the ability to push moving vehicles.
Time for new tires.
Tire problems are a factor in many car accidents. Blowouts, tread separation, under inflation and worn treads are some of the tire problems associated with accidents. While many people think just worn tires need to be replaced, old tires are of concern as well. As tires age, they become more prone to failure. The minimum safe tire tread depth is 2/32”, vehicle owners should consider replacing tires at the 4/32” mark, especially in Truro with the rainy and snowy conditions.
A few facts about auto insurance in Truro.
- The average age of auto insurance policyholder in Truro is 36
- The average age of drivers in Truro is 49
- The number of accident claims in Truro in 2018 was 1400
- The top automotive brands we insure in Truro are Honda, Ford, Chevrolet, Toyota, Hyundai, Chevrolet, Jeep
- 63% of people in Truro drive Cars
- 37% of people in Truro drive Trucks
Facts and myths about Truro.
Facts
The highest temperature ever recorded in Truro was 35.6 °C on 19 August 1935 and 15 August 1944. The coldest temperature ever recorded was −38.3 °C on 22 January 1934.
To date, Truro has 55 Municipality Registered Properties, five Provincially Registered Heritage Properties and one National Historic Site.
Six large sections of the Berlin Wall are located along the Cobequid Trail, on the Agricultural Campus of Dalhousie University.
The area has been home to the Mi'kmaq people for several centuries. The Mi'kmaq name for the Truro area, "Wagobagitik" means "end of the water's flow". Mi'kmaq people continue to live in the area at the Millbrook and Truro reserves of the Millbrook – We’kopekwitk band.
Myths
There isn't much in the way of sports locally.
Truro has three ice hockey rinks and is home to the Truro Bearcats. Canadian football is also popular with games being played on Friday nights at the Truro Amateur Athletic Club. There is a minor lacrosse association, the Truro Bearcats Lacrosse Association, which allows youth to take part in organized lacrosse teams and games. As well, there is a junior A lacrosse team, the Mi'Kmaq Warriors, that plays in the East Coast Junior Lacrosse League. They play in the summer months out of the Colchester Legion Stadium.
There is limited health care.
Truro is home to the Colcester East Hants Health Centre, which has inpatient units and operates a wide range of clinics and satellite services. There are also multiple medical clinics and services throughout the Town.
Its far away from everything.
Truro is approximately just a one-hour drive from the City of Halifax, Amherst and New Glasgow. It is perfectly centred between all major centres in Nova Scotia.
There are limited educational facilities within Truro.
Truro has two public high schools, Cobequid Educational Centre and the francophone École acadienne de Truro. Post-secondary options include a campus of the Nova Scotia Community College, and The Institute of Human Services Education, as well as the Agricultural Campus of Dalhousie University in the neighbouring village of Bible Hill.
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 Truro. 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 Truro’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 Truro.
It is mandatory to have auto insurance for all vehicles in Truro. 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 Truro 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.
Truro car insurance – your questions answered.
In Nova Scotia, who determines auto insurance rates?
Truro 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 Truro?
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
Cruise Control Safety
Cruise control is a feature that is available on the majority of vehicles on the road today. Cruise control, sometimes known as speed control or auto cruise, is a system that automatically controls the speed of a motor vehicle. It allows the driver to maintain the vehicle’s speed without applying or holding pressure to the gas peddle. When used correctly and responsibly, cruise control has many benefits, such as reduced fuel consumption, maintaining a constant speed, and driving below the speed limit.
But, to operate a vehicle safely, there are several procurations that you need to follow when cruise control is activated:
- Do not under any circumstance take your eyes off the road.
- Ensure that you read the owner’s manual to properly use the cruise control on the make and model of the specific vehicle you are driving.
- Evaluate driving conditions – Cruise control is not designed to be used in adverse weather conditions such as snow, ice, rain, fog, etc.
- Do not set the cruise control above the posted speed limit.
- Do not use cruise control on roads with sharp or frequent turns.
- Do not use if you, the driver, are tired or drowsy.
- Do not use in high-traffic areas with the potential for stop-and-go traffic.
- Ensure you leave adequate spacing between you and the vehicle in front of you. Your reaction time decreases by almost five seconds.
For more information on Cruise Control, visit https://tc.canada.ca/en/road-transportation/driver-assistance-technologies/adaptive-cruise-control.
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