Car Insurance Tips

Insure both your car and home with the same company Insurance company and you will be eligible for savings anywhere from 10% to as much as 40% of the combined insurance policy premiums! When you get your car insurance quotes from us, be sure to ask how much of a discount you can receive, or check the “Multi-line discount” box in the car insurance quote app.

Increase your car insurance deductibles. The higher your deductibles, the lower your auto insurance in Nova Scotia premiums. Insurance was really meant to cover you for damages you could never afford on your own. If you can afford a $1,000 repair job, then raise your deductibles to $1,000 and pay less for your insurance.

Seriously, this is the number one way to ensure you get cheap car insurance in Nova Scotia. Just drive carefully and see how your auto insurance goes down each year. Why? Your driving record is one of the most influential factors in determining your auto insurance rate. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six! With a bad driving record, you can find yourself paying much more.

Drive a “low-risk” car Insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for insurance. If you are buying a new car, check with the Vehicle Information Centre of Canada or compare quotes to see how your dream-car rates. This may influence your purchase?

Have an anti-theft device installed in your car Most insurance companies recognize that your car is less likely to be stolen if you have an anti-theft device installed in your vehicle and offer an “Alarm or anti-theft discount”. If you already have an approved, factory-installed alarm in your car, this is already taken into account when determining your rate.

Do you have an older car? You might want review your collision coverage If your car is getting up there in age, you may want to think about dropping the collision coverage on your auto insurance policy. You need to think about this one though – it’s not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. Just call and speak to our of our auto insurance brokers, we’ll be happy to provide you with comparable rates on different deductibles.

Make sure all your cars are on the same auto insurance policy. Most insurance companies in Nova Scotia offer a Multi-vehicle discount for customers who insure more than one car on the same policy. This may be more than one car that you own or many cars in the same household. You can save up to an additional 20% on your auto insurance rates.

The more you drive on the road, the more you increase your chances of getting in an accident. Car Insurance rates are higher for people who commute to work. Taking public transportation or sharing a ride and commuting will not only help you save on parking and gas, but will help lower your auto insurance premiums.

New driver? Take a driver’s training course Licenced drivers who have completed an approved drivers training course in the last 3 years will pay lower car insurance premiums, especially in Halifax or Nova Scotia. Remember, safer drivers pay lower car insurance rates.