The Cost of Auto Insurance in Nova Scotia

Car Insurance Rates Across Canada 

Although the rates in Nova Scotia are much less than the majority of the country, you still deserve to find the lowest rate plan available. The average car insurance rate in this province is around $91 per month, or $1,093 per year. This is compared to the average rates in Alberta, which are currently sitting at about $114 per month, or $1,371 per year. Worse still, paying the average auto insurance rates in Ontario will set you back about $160 per month, or $1,916 per year.

As with most of Canada, young drivers in Nova Scotia will often pay more than older adults. The province's young adults - between 25 to 30 years of age - will pay an average of $103 per month, or $1,241 per year in auto insurance. Those between 46 and 50 years of age pay an average of $81 per month, or $976 per year, while older adults - between 61 and 65 years of age - pay very little, at an average of $73 per month, or $878 per year. Nova Scotia's youngest drivers (under the age of 25) pay the most, with an average car insurance rate of $210 per month or $2,522 per year.

Age isn't the only factor that affects your auto insurance rates - your gender does as well. On average, men pay about $94 per month in auto insurance, while women often pay approximately $88 a month.

Cheapest Car Insurance Rates in Canada 

Nova Scotia ranks 5th for having the lowest premiums on auto insurance in Canada. Most people in the province don't have to pay much more than the cheapest premiums available in the country. There is only a $59 difference between the cheapest car insurance available in Canada and the average cost for auto insurance in Nova Scotia. All five of the cheapest auto insurance options in the country come from less populated provinces. The difference among the most populated and least populated of the top five lowest options (excluding Quebec) is only 955,445 people. Due to their similar population sizes, the auto insurance premiums among these provinces is also quite close.

Nova Scotia Car Insurance Coverage Options 

It is interesting to take a closer look at the coverage chosen most often by drivers in Nova Scotia:

· People who choose the most minimal auto insurance allowed by law pay approximately $69 per month in premiums. This kind of coverage doesn't cover any damages to your own vehicle, but it does cover the costs accumulated by a third party if you're involved in an accident. This kind of coverage would work for you if you have an older car that you wouldn't consider repairing if it were to become damaged.

· If you're leasing a vehicle, you need more than just the bare minimum coverage, and you should look into medium-level coverage that offers liability, collision, and comprehensive damage protection. This kind of coverage will set you back approximately $93 per month.

Coverage above this level often includes more comprehensive policies that have accident benefit coverage at much higher than the average car insurance policies in Nova Scotia. Costs of these policies rise to $104 per month, as a result. Since there is a relatively small difference between medium and extensive coverage, it is worth your while to consider extensive auto insurance coverage. Saving just a few dollars isn't worth the additional risk to you or your family.

Your driving record has a big impact on your insurance premiums. If you don't have any violations within the past six years, you could easily receive reduced rates as cheap as $84 per month or $1,002 per year on car insurance. Having a maximum of even two violations in the last three years makes your car insurance premiums rise exponentially, to approximately $189 per month, or $2,273 a year for auto insurance.

What You Need for Coverage in Nova Scotia 

In Nova Scotia, it is mandatory for drivers to have $500,000 in third party liability coverage, at least $50,000 in medical payment coverage, and $2,500 in funeral expense coverage. You will also need $250 a week for disability insurance. As a law in Nova Scotia, you cannot sue for more than $8,123 in pain and suffering caused by major injuries. This rule actually saves insurance companies money, allowing the province to have an average insurance premium as low as $783.

How InsurEye Can Help You

If you are unsure or want more information on auto insurance in Canada, contact InsurEye today with any questions. We represent the largest Canadian online insurance review platform, allowing Canadians to benchmark their vehicle, home, and life insurance costs.

The Insurance Take on Driving Faster Than the Speed Limit

In a state-wide effort to curb dangerous driving habits, the State of New York has designated the first week in August as "Speed Week".

What is Speed Week?

Speed Week involves a focused campaign against the perils of driving too fast as well as other forms of distracted driving.

While the anti-speeding program enforced by the particular state's police may be concentrated on those that drive in NY, the message should resonate all over the United States.

Country-wide car insurance claims support the findings of the New York State Police Superintendent George P. Beach II.

"Studies have shown, speeding kills," said the police superintendent in a related interview. "During this campaign and year-round, we will work to reduce this kind of dangerous driving."

The summer and particularly the month of August has been chosen for the period when police personnel target speeding driving due to studies that shine a black light on the same time span in the year 2016. That year was infamously noted for the most driving fatalities occurring as a result of speeding drivers.

Tragically, twenty percent of all 2016 auto deaths were associated with driving above the speed limit.

But that's not all.

As per the National Highway Traffic Safety Association, three out of every ten vehicular drivers unabashedly admit to speeding.

Last year's 2017 summertime law enforcement of "Speed Week" concluded with approximately 21,000 traffic summonses that were comprised of approximately 9,000 tickets in regard to speeding.

The means of the campaign is through police ticketing. The message? Whether you drive within the borders of New York State or anywhere else in the United States of America, let's work together to halt the frightening trend of driving fatalities resulting from speeding while driving.

Implementing the message is easier than one may tend to think with these six simple tips from the insurance industry.

1. Remember the possible results of speeding while driving: life threatening accidents, police ticketing, a bad driving record and more expensive auto insurance rates.

2. Never drive when agitated or excited. Make a concentrated effort to relax prior to driving. Take a deep calming breath, tune into classical or softer music and stop at the side of the road if you need to compose yourself.

3. Give yourself more time in reaching your destination so you will not tend to speed.

4. Make sure to give yourself extra travel time.

5. Pay attention to how fast you are going by glimpsing periodically at your car's speedometer.

6. Use the cruise control on your vehicle while driving on level highways.

7. Drive slightly slower than the posted speed limit.

A safe driver is a happy driver. Have a great summer!

PRIME Insurance: we're a multi-generation family-operated independent agency. We're proud partners with many of the top insurance carriers - big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes.

Essential Car Insurance Facts for Calgary

In Calgary, driving isn't always easy. Drivers must brave weather that can change quickly, and heavy rush hour traffic. Regardless, you'll always need car insurance, whether you are daily commuter, weekend adventurer, or an occasional driver.

Average Car Insurance Costs in Calgary and Alberta 

Although Alberta has a private insurance market, the insurance rates themselves are still regulated by the provincial government. There are two agencies in Alberta that oversee car insurance rates: The Automobile Insurance Rate Board and the Office of the Superintendent of Insurance.

In 2004, Alberta implemented a premium grid on auto insurers, settings maximum premium levels for basic coverage. The grid takes into account where you live, the number of years you've been licensed, the number of claims you've had in the last six years, and how many driving convictions you have on your record. But it is still important to shop around because even with the premium grid, auto insurance rates vary wildly within Alberta.

If you are aged 25 or under in Alberta, you are considered young and will pay around $187/month for Alberta car insurance. However, as you get older your premiums will go down. For example, you'll pay around $152/month at ages 31-35, about $122/month at ages 46-50, and around $100/month at ages 56-60.

Auto insurance rates in Alberta are determined by a variety of factors:

Your gender and age

Your driving experience

Type of vehicle you drive

Location and use of your vehicle

Your driving record

The amount of coverage you've selected

How to get the Cheapest Auto Insurance in Alberta

Compare rates among various companies and don't feel like you must stick with the insurers your parents used. There are many insurance providers available, and often they use competitive pricing, meaning different providers may offer the same policies at greatly different prices. Talk to a broker (who compares auto insurance rates in Calgary for you) or use online tools to see where you can get the best rate for the coverage that is right for you. As well, reading auto insurance reviews will help you avoid unexpected issues. Search online for opinions using blogs and forums.

Sometimes you can get better rates if you bypass the broker or agent and deal with a direct insurer, like Belairdirect or TD Insurance.

Use rate tools and calculators. For instance, if your credit card includes rental car protection, you can save 20 per cent by paying with it. You can use a credit card navigator tool to assist you in finding insurance for a rental car compatible with the value add-ons on your credit card. You can also use an insurance price comparison tool to compare insurance premiums.

Bundle your car insurance in Calgary with other policies. For example, if you have multiple vehicles and a home to insure, you can bundle them with one insurance company to get a bundle discount. Insurance companies reward their customers for giving them more business.

If you got your policy you were a smoker and can prove you have quit smoking since then and have not returned to it for at least one year, they will reduce your insurance premiums. Smokers typically pay double the amount for premiums!

Invest in driving a hybrid vehicle. By purchasing a hybrid, you may save on more than just gas! Inquire with your insurance company to see if they offer discounts for hybrid vehicles.

There are many factors that affect your auto insurance rates in Calgary and Alberta, and it can be a daunting task to research all your available options. To get started on your way to finding the best rates for the coverage you need, contact InsurEye today.

Comparing Car Insurance Policies Is Necessary and Smart

In this century, where every other insurance company will be hovering over to indirectly convince that they are the best, what you need to do is shop around and compare. It should be the only task on which you will have your complete focus if you care about the kind of leap you will be taking according to your economic standards. You have to make sure that your money and time and trust in not built on a wrong foundation. If it is, then there are chances that your reliability might falter and crumble down in your crucial situations, just because you didn't take the trouble to look for the best policy plan and selected the first one that you laid eyes on.

Factors responsible for comparing the car insurance policies:

Different insurance companies have different comprehensive structures on their price list, premium rates, base rates and several other components. It is a mandatory need to go through the various plans offered by companies so that your ultimate quote is exactly according to the terms that you were looking for. Get to know the generic market rate and that rate might not only depend upon the price and model of your car. So, after comparing you can select the insurance company which will accommodate your needs in both quality and cost benefit in terms of that quality.

If you compare the policies, you have the upper hand in terms of gaining maximum by paying the minimum. There are certain choices that you have to make while consideration of IDV and voluntary deductible that is, the excess that the insured has to pay over the period of the claim. An online differentiation of the corresponding rates might help you get over the benefit of the doubt and set the cost range according to your requirement and the amount you are ready to invest.

Additional set of covers for your car which is your primary asset is mostly decided after you have weighed and balanced your requirements and the price you must pay to acquire those requirements. Hope to find the best fit after going through various add-on cover policies of different companies.

It has now become a tradition to give various offers on car insurance to just engage and increase the number of people getting insured from their company. Parallel correlation of all the features that come with the discount and the other offers need to be understood so that you eventually don't end up missing a good deal.

Checking and re-checking the reviews of reputed resources is must. It is the final and yet the most important factor because it is only after reading a good review that you will decide to look over that company's plan available in the industry. In case the reviews aren't satisfying that human need for complacency, then you might not be interested in going through the compensation policy since you definitely won't want to settle for less when it comes to your long term security.

In Northern Ireland, the expense for car insurance policy is exorbitant and this over-pricing often infuriates the owners. So you should be comparing car insurance in Northern Ireland.

Renewing Car Insurance Policies - Do's and Don'ts

Having an adequate car insurance cover for your vehicle has become extremely imperative while driving on today's accident-prone, high traffic roads and dealing with uncertain conditions almost every day. Car insurance cover relieves your mind of the financial tension at least, takes your mind off the continuous worry of the expense that may occur from any unintentional damage occurred. So, one must be consciously aware of the car insurance term at any given point of time lest it expires and you are caught off guard with an unwarranted situation, only to find out that your car insurance is due for renewal.

While the mandatory renewal of car insurance every year may seem like a monotonous and rather tedious procedure but it is critical to get it done on time in an appropriate manner. Moreover, it is important to consider certain aspects in mind while renewing your car insurance policy; there are some do's and don'ts that can go a long way in helping you to have your car insurance renewal done in an informed manner. Let's have a quick at some of these points and help to smoothen out the process for you and also help in going for relatively cheap car insurance, at best price with the best services.

Do's - Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to fill a copy in a file and keep it with for the record or if it's a soft copy, then save it with you on a hard drive so as to not lose it. It's important to maintain a proper record as it gives all information required at any point and leaves no room for any confusion when it comes to availing the No-Claim Bonus (NCB) or any other future claim.

4. Add on Covers- Before taking up any policy, it is vital to take note of all the add-on covers and go through them at length so as to choose wisely the ones that suit your needs instead of blindly going for everything and end up paying a huge amount unnecessarily.

5. Registration Certificate (RC)- While renewing your policy, also ensure that your RC is updated with your present address, name and other details. Also, see to it that the vehicle specifications are accurate and the details mentioned on the RC are in sync with the policy details.

Don'ts - Not to Mess Up

1. No blank columns in the form- Do ensure that you end up leaving no columns in the form blank or unanswered that may impact your policy renewal in an adverse way. Instead, one must provide all possible information, just to be sure to be taking the right help from the insurance company.

2. Not to miss timeline for renewal- Keeping in mind the expiry of the car insurance plan is critical not just from the perspective of any damage occurring in the interim when you are uncovered but also for saving up on the late renewal charges if any by the company. Moreover, it gives one time to think and then act rather than being in a hurry to insure with the first plan that comes your way.

3. No Incorrect Declarations- One must never make any incorrect declaration or give any wrong estimate to the car insurance company, intentionally, as that can end up in getting you the wrong cover. Tell them precisely what your requirements are, what the car condition and car value estimation is and your future claims will remain uninterrupted.

4. Not to forget about the transfer of name- In case of acquiring a pre-owned vehicle, make sure to have the policy transferred in your name and do not have it renewed in the previous owner's name itself by any chance.

The ABC's of Preventing a Car Break-In

"I can still vividly picture the moment I drove into my home driveway late at night and saw my teenager's car door wide open. Before I could even berate my daughter in mind for being so negligent, a man scampered out of the car empty-handed and sprinted down the blog, losing one clog in his wild escape, recounted an acquaintance of mine who paradoxically was employed as an insurance agent in a car insurance agency.

"It was obvious that the vehicle trespasser had attempted to rob my daughter of anything of value she had left behind inside her car. Lucky for him, the girl had left a door open. To his misfortune, I pulled up and caught him in the act before he could actually do any damage.

"My midnight encounter with this car thief underscores so boldly how each of us needs to be proactive about preventing car break-ins," continued my insurance pal.

The primary things any car owner or driver needs to be careful about is making sure no door, window or sun roof is left open and unlocked and never to leave your car running with the keys in the ignition.

Then there are the other factors car owners or drivers need to keep in mind. 

Insurance companies tell us that the majority of car break-ins are perpetuated by random offenders unassociated with sophisticated crime. They peer into a car and see something they want and act spontaneously.

If the car happens to be open, they are more prone to trying to get stuff because it's an easy target.

Everyday items that you should not leave inside your car for all to view include phones, wallets, purses, shopping bags, computers, electronics, coins and change and keys.

In addition, drivers should try to park in brightly lit, well-traveled areas where automobile and pedestrian traffic is a given. Moreover, drivers should opt for a parking lot that has a parking attendant manning the place to deter auto thieves. 

If your neighborhood does not yet have a volunteer community watch, aiding the police department in thwarting criminal activity, it may be a good idea to start one. 

Studies show there is less of a crime rate where designated crime stoppers are on the look-out 

. 

Before parking your vehicle, make sure to put valuable things inside the trunk. To ensure a potential thief does not see you in the process, transfer the things prior to reaching your parking spot destination.

While any of these things are good ways to prevent a break-in, a theft can occur despite our best efforts. That is why speaking to an experienced independent insurance agency about your specific needs in relation to a fitting auto policy is advised.

What You Need to Know About Reporting a Stolen Car

Can you imagine how it would feel to park your car somewhere, only to find it missing later on? Many people experience this tragedy on a daily basis. In fact, according to CNBC.com, "Roughly 800,000 to one million cars are stolen in America every single year." These numbers are extraordinary, making car theft a common occurrence all across the country. This also means that the insurance claim process can be quite complex and tedious.

If you are prepared to report your car as stolen, there are a few important things you should know about car insurance coverage for stolen vehicles, as well as the investigation process for car theft claims. Continue reading to learn what you need to know about filing an insurance claim for a stolen car.

FIRST: Was Your Car Really Stolen?

Once you have noticed that your car is missing, it is wise to reconsider all the possibilities before making an insurance claim and police report. You can check for parking signs to see if it had been towed, ask friends and family if they borrowed your vehicle, or call your car loan company to see if it was repossessed. When there is no other possible reason for your car to be missing, then it is safe to move forward with filing an insurance claim and police report.

Insurance Coverage for Stolen Cars

In order to have insurance coverage in the case that your car is stolen, you must have comprehensive coverage on your insurance policy. This is something that is required in all states. If your vehicle is stolen off of your personal property, you cannot file it under your home owners' insurance policy; you must have an auto policy with comprehensive coverage to cover the loss.

Car Theft Claims Process

When you are sure your car has been stolen, you must report it to the police immediately for documentation. At the same time, you must notify your auto insurance carrier. Most carriers operate using a 30-day claim waiting period to see if the car is ever recovered, which generally begins on the date of theft. Furthermore, comprehensive coverage does not cover personal belongings that are stolen out of a vehicle. Items like phones, computers, clothing, jewelry, equipment, and more, could be covered in a renter's or home insurance policy, but not in an auto policy.

Car Theft Investigations

Car theft claims are taken very seriously at insurance companies. They are investigated closely by adjusters to ensure that fraud is not at play. Filing a fraudulent car theft insurance claim is a felony punishable by prison time, fines, and more. They will record all conversations with clients, and ask very detailed and intrusive questions. As long as you are not committing a crime, you shouldn't take the investigation process personally. The insurance adjuster is just doing their job.

Hire a Criminal Defense Lawyer for Fraud Charges

Fraud crimes are charged as either misdemeanors or felonies, depending on the particulars of a person's case. If you were recently arrested on facing fraud charges in Indiana, you are facing hefty fines, imprisonment, and other severe penalties. The best step you can take toward securing your rights and protecting your freedoms is calling a licensed fraud lawyer for tough and aggressive criminal defense; otherwise, you risk be sentenced to the maximum levels of punishment in Indiana.

The ABC's of Preventing a Car Break-In

"I can still vividly picture the moment I drove into my home driveway late at night and saw my teenager's car door wide open. Before I could even berate my daughter in mind for being so negligent, a man scampered out of the car empty-handed and sprinted down the blog, losing one clog in his wild escape, recounted an acquaintance of mine who paradoxically was employed as an insurance agent in a car insurance agency.

"It was obvious that the vehicle trespasser had attempted to rob my daughter of anything of value she had left behind inside her car. Lucky for him, the girl had left a door open. To his misfortune, I pulled up and caught him in the act before he could actually do any damage.

"My midnight encounter with this car thief underscores so boldly how each of us needs to be proactive about preventing car break-ins," continued my insurance pal.

The primary things any car owner or driver needs to be careful about is making sure no door, window or sun roof is left open and unlocked and never to leave your car running with the keys in the ignition.

Then there are the other factors car owners or drivers need to keep in mind. 

Insurance companies tell us that the majority of car break-ins are perpetuated by random offenders unassociated with sophisticated crime. They peer into a car and see something they want and act spontaneously.

If the car happens to be open, they are more prone to trying to get stuff because it's an easy target.

Everyday items that you should not leave inside your car for all to view include phones, wallets, purses, shopping bags, computers, electronics, coins and change and keys.

In addition, drivers should try to park in brightly lit, well-traveled areas where automobile and pedestrian traffic is a given. Moreover, drivers should opt for a parking lot that has a parking attendant manning the place to deter auto thieves. 

If your neighborhood does not yet have a volunteer community watch, aiding the police department in thwarting criminal activity, it may be a good idea to start one. 

Studies show there is less of a crime rate where designated crime stoppers are on the look-out 

. 

Before parking your vehicle, make sure to put valuable things inside the trunk. To ensure a potential thief does not see you in the process, transfer the things prior to reaching your parking spot destination.

While any of these things are good ways to prevent a break-in, a theft can occur despite our best efforts. That is why speaking to an experienced independent insurance agency about your specific needs in relation to a fitting auto policy is advised.

When the Illegal Immigrant Has a License and Auto Insurance

Of late, there's been so much focus on the illegal immigrant in the media that we in the insurance industry have decided to have our say, as well.

Here goes.

Of all the fifty US states, there are only twelve that give driving privileges to the undocumented immigrant. In the other states, any undocumented immigrant that drives does so without having been issued a license. Without a license, you can bet your bottom dollar that there is no auto insurance to cover an accident. If a legal driver is the not at fault party of a collision, not only will there be no coverage to pay for damages from the other party, but it's likely there will be no out-of-pocket money to speak of in compensation as well.

Good reason to invest in uninsured motorist of underinsured motorist insurance, huh?!

In any case, the danger involved in illegal immigrant driving has prompted the few states that do offer some form of driving licenses to the undocumented to actually expand the eligibility. With the invitation from CA, CO, DE, DC, HI, MD, NV, NM, UT, WA and VT to apply for a driving license, the undocumented immigrant who passes the written and driving test has better odds of safe driving and can actually purchase protective auto insurance coverage.

This means of course that in the event of a vehicular accident, the illegal immigrant that lives and drives in one of the areas where the privilege is open to him or her can have the shielding insurance to cover damages. 

But the illegal immigrant who passes the driving test required in order to acquire a legal driving license has other more inclusive options that, like any US citizen, can shield him or her more comprehensively.

These include the options of:

Collision Insurance Coverage - this compensates for the cost of damage incurred to the at-fault driver as well

Comprehensive Insurance Coverage - this provides payment for other losses incurred as a result of a stolen automobile, car vandals, or the damage from a natural disaster

Uninsured/Under-Insured Motorist Insurance Coverage - this provides coverage for damages resulting from an accident with a driver that does not have adequate auto insurance

Irrespective of your standing in regard to residency or citizenship, if you are a legal driver it is wise to seek guidance and advice from a qualified insurance professional in relation to insurance coverage options that are applicable to your individual circumstances.

HAVE A PRIME DAY™! PRIME Insurance is a three-generation independent agency that proudly partners with over 40 of the chief insurers. We do direct business with companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This empowers to provide all forms of nationwide coverage and bonds at competitively lowest quotes