Car Insurance – Nova Scotia
Your vehicle is much more than an investment in your life; it’s your freedom. Let us help navigate what car insurance is right for you. When you buy car insurance in Nova Scotia, you have options on who provides the right coverage for you. Ultimately, the basic coverages will be the same across providers to ensure safety when out on the road. We can help find the right coverage for you either by email, phone or in person at any of our Nova Scotia locations.
As your local insurance experts, we know that each vehicle in Nova Scotia is unique in its own way. From those who commute to work every day to those who are out on the open road catching ocean sunset views, we’ve got you covered.
We understand it’s vital to protect what’s most important to you and your family. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on what’s important in your life.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert auto insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.
Nova Scotia Car Insurance Explained
In Nova Scotia, car insurance is sold through private insurance companies. For the most part, there are standard coverages you’ll find from each policy to the next. Of course, some insurers might have specialized coverages specific to their coverage offerings. Still, we’ll explore the standard coverages today, so you’re aware of what you need to feel safe out on the road.
Yes! If you fill out our online quotation form we can assist with car insurance quotes. One of our auto advisors will be in touch to check your details and provide you with a car insurance quote.
Yes, we’re here for you from policy purchase through to support and renewals. We’ll guide you through the renewal process to ensure your coverages are still right for you.
Everything To Know About Your Deductible.
We all have deductibles for our car insurance in Nova Scotia, but do you really know what you’re covered for? Many people chose their deductible years ago and kept it the same each renewal year. Here’s everything you need to know about deductibles to ensure that you’re properly covered!
A deductible is an amount that you have to pay when making a claim regarding damage or theft of your vehicle. So, if you have a $500 deductible for example and you have a fender bender, you have to pay that $500 in order to get your vehicle repaired. You can choose to buy down your deductible, which means you will pay slightly more for your insurance but less at the time of a loss.
Your cost is mostly based on the premium rating of your vehicle. The type of vehicle and cost all impact the rating. Another factor that is used to determine the price is your claims history. The better the driving history, the higher the discount. It definitely pays to drive safe!
Your deductible applies when you need to submit a claim due to damage to your vehicle. Whether that’s paying your deductible to get your windshield replaced or you have significant car damage, your deductible applies to all. Each incident of loss requires a deductible. For example, if you have a crack in your windshield and then someone sideswipes your vehicle, that would require two claims to be entered and, therefore, two deductibles.
Ultimately the decision is up to you. You know your driving history and past experience the best. It may make sense to stick with the lower deductible based on the use of the vehicle, or in some cases, it may make more sense to purchase a lower deductible for a car that is being used on a more regular basis. Whatever you choose, make sure you’re adequately covered! If you have further questions, don’t hesitate to contact us. We would love to help you out with your insurance needs and questions!
Third Party Liability Explained. Here’s Why You Need It.
Another part of your auto policy is third party liability. In short, it covers you for property damage you may cause as well as vehicle damage in Canada and the United States. Did you know that if you are in an accident, you can be legally liable and sued for bodily injury? If you are in an accident outside of Nova Scotia, whether in another province or the United States, you can be sued, which could be a large sum of money in certain circumstances.
Third party liability is the portion of your insurance coverage that protects you if you’re held legally responsible for an injury due to an accident or damage to property. This helps cover the costs of legal fees, money to settle a lawsuit and other expenses related up to the limits identified in your policy.
Included in your basic insurance policy is $500,000 third party liability with the option to increase it. Depending on the use of your vehicle, you may feel confident leaving your liability at the basic amount. If you choose to keep it at the minimum and have an accident that is over and above $500,000 you will personally be responsible for paying the difference. For example, you could be driving in the rain and hydroplane, not far-fetched in Nova Scotia, and lose control and run into a business’s building. Rebuilding costs, lost wages, structural damages, and more could easily cost more than $500,000. If you had higher liability, you would be better covered and less likely to have to pay out of pocket.
First party is the insured, so yourself. Second party is the insurer, for example, if we are referring to an auto insurance policy. Third party is the person who is bringing legal action against the insurer. Therefore, if you lose control and drive into a business building, that business owner is now the third party in the equation.
Choosing your third party liability will depend on where and how often you are using your vehicle and ultimately your comfort level.
Third party liability insurance is mandatory on all basic policies, so no matter what, you will carry $500,000. To increase your coverage, stop into one of our offices, and we can bump up the coverage to a comfort level that works for you.
It is so important to understand what you are liable for and how you can be properly covered! Stop in and say hi either online or at one of our Nova Scotia locations, and we would be happy to help you find the best coverage for you.
What happens if you’re in an accident? Will you be covered for what happens if there is damage to your vehicle? There are four options when it comes to physical damage coverage for your vehicle:
This covers damage caused when your vehicle has an impact with another object such as another vehicle, building, guardrail, or roadway, and also includes a rollover of the vehicle.
This car insurance coverages you for aspects not related to a collision. Coverages under comprehensive car insurance include fire, vandalism, theft, windshield damage, falling objects, collision with animal and other types of damage.
This car insurance coverage provides a well-rounded policy that encompasses the benefits of both comprehensive and collision coverage.
There are expenses that come along with an injury due to an accident. This coverage provides compensation for expenses you’ll incur due to an accident. Whether you are a driver, passenger, or pedestrian, your insurer will provide compensation for your injuries regardless of how the accident happened or who was at fault. Coverages include:
- Medical Expenses
- Rehabilitation Expenses
- Death Benefits
- Income Replacement
Whether another driver was wholly or partially at fault, this provides coverage for damage to your vehicle. You’ll deal with and be compensated directly with your insurer even though the resulting damage was not caused due to you or your driving.
Underinsured Motorist Protection
What happens if you’re injured in a crash and the responsible driver doesn’t have the appropriate coverage to pay the damages that were awarded resulting from a claim? That’s where the underinsured motorist protection comes to play. This will provide coverage if you’re in an accident that results in injury or death from a driver with an underinsured vehicle. This coverage only protects you or your family if you are not at fault for the accident.
Optional Car Insurance Coverages Available
This will cover your expenses should you need to rent a vehicle while your car is being repaired or replaced, as long as an insured peril caused the damage.
This insurance coverage is included for vehicles that are owned or leased new. Coverage will add value back to your car. In the event of a loss, you won’t be put in a place where the depreciation on your vehicle becomes a negative financial impact.
Find yourself renting vehicles often? Whether for work or travel, you have the option to add on coverage specific to cars that you don’t own.
Factors That Affect Car Insurance Rates
Do you take your vehicle to work every day? Do you take public transportation? Is your vehicle sitting during certain seasons? Different types of vehicle use will affect your annual premium. Here’s some more info on each to ensure you have the proper use selected for your lifestyle.
- Driver/Claim History
We’ve heard it before; a good driving record is important. Especially when determining insurance premium rates. If you have a good driving record, you will receive a discount on your insurance rates.
Your location and where you live also determines how much you pay. Some areas of Nova Scotia, such as urban, high population areas, will have a higher volume of people on the road, leading to higher accidents and a more significant statistic of vandalism and theft. Compared to rural areas, you’d expect to pay more in the regions where more risks are prevalent.
- Use of Vehicle
Your rates will be different if you only use your vehicle for errands and vacation instead of commuting to work every day. Inherently, you’re more at risk while out on the road every day for work compared to someone who may not drive as much.
Yes. There is no additional charge when you pay all of your car insurance premiums upfront. Paying monthly installments may be more manageable, but you will be charged interest. If you fall behind on your payments, your car insurance will be cancelled, which could negatively affect future premiums.
There are several things that you can do to help lower your car insurance. Drive responsibly and keep a clean driving record. Increase your deductible—limit who can drive your car. Ask your car insurance broker to comparison shop for you. Discounts may be available when combining insurance plans.
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect auto insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your auto coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!