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Auto Insurance in Nova Scotia

Secure auto insurance wherever life takes you.

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Auto Insurance in Nova Scotia

Secure auto insurance wherever life takes you.

Get a Quote

Tailored Auto Insurance Solutions

Caldwell Roach Insurance is committed to simplifying the auto insurance process for Nova Scotians, offering comprehensive coverage tailored to your unique needs. It can be time-consuming and complex to find the right auto insurance. At Caldwell Roach Insurance, we recognize the challenges you face when seeking the perfect coverage. Our commitment lies in streamlining this complex process, ensuring it’s as straightforward and hassle-free as possible for every resident of Nova Scotia.

Safeguard Your Journey with Precision and Care

With a focus on personalization, we meticulously craft insurance solutions that resonate with your individual lifestyle, driving habits, and financial considerations. Our expertise, combined with a commitment to personal attention, ensures that you receive not just an insurance policy, but a trusted partnership that protects your ride.

Mandatory Auto Insurance Coverage

At Caldwell Roach Insurance, we believe that every driver and vehicle is unique. That’s why we offer personalized insurance solutions to match your individual lifestyle and budget.

The minimum insurance requirements to drive a car in Nova Scotia includes:

  • Third-party insurance coverage up to $2 Million
  • Accident benefits coverage
  • Uninsured/underinsured insurance

Other Auto Insurance Coverage

  • Comprehensive Coverage: Protect your vehicle from all angles, covering damage from accidents, theft, natural disasters, and more.
  • Liability Protection: Stay secure with coverage that protects you against financial loss in case you’re responsible for an accident.
  • Collision Insurance: Get covered for vehicle damage from a collision, regardless of who is at fault.

Why Do You Need Auto Insurance?

In Canada, auto insurance is not just a legal requirement; it’s your safety net on the road. It protects you from unexpected expenses that can arise from accidents, whether you’re at fault or not. Without auto insurance, you risk facing financial burdens, legal consequences, and potential difficulties in getting back on the road. An auto insurance policy provides a comprehensive shield against various risks on the road.

Why Choose Caldwell?

Local Expertise, Personal Touch.

Our roots run deep in the Maritime soil. Our brokers are not just insurance experts; they’re your neighbours, familiar with the challenges and joys of Maritime living. Our brokers provide tailored advice, to meet your individual needs.

24/7 After-Hours Claims Service.

Open 8am-6pm, Monday-Friday. We also offer after-hours emergency claims services for our clients. We understand you may have questions about your policy or claim. We are here when you need us.

Claims Process: Fair, Fast, Focused on You.

The claims process should be transparent, efficient, and compassionate. We work tirelessly to ensure that your claims are managed swiftly and with the utmost care, so you can focus on what truly matters—rebuilding and moving forward.

What Factors Impact your Auto Insurance Rate?

Did you know the average car insurance premium in Nova Scotia is $ 1488.58?

There are several factors that impact your insurance premium, including:

Driving Record

Your history of accidents, traffic violations, and claims can significantly affect your rates. Drivers with clean records typically enjoy lower premiums.

Age and Driving Experience

Younger drivers, particularly those under 25, usually face higher rates due to their lack of driving experience and higher accident rates. Premiums often drop as drivers get older and gain more experience.

Location

Where you live and drive can influence your car insurance rate. Urban areas with higher traffic density and theft rates have higher insurance costs compared to rural areas.

Vehicle Type

The make, model, year, and safety features of your vehicle can impact your premium. Cars that are expensive to repair, or are commonly targeted for theft, may cost more to insure.

Nova Scotia Auto Insurance FAQs

Your driving record plays a significant role in determining your insurance rate. A history of accidents, traffic violations, or insurance claims can indicate a higher risk to insurers, potentially leading to higher premiums. Conversely, maintaining a clean driving record can qualify you for lower rates.

If you’re involved in an accident, first check to see if everyone is safe, then call emergency services if needed. Exchange insurance and contact information with the other party and document the accident scene with photos if possible. Notify your insurance company as soon as possible to start the claims process. In Nova Scotia, you must also report the accident to the police if there are any injuries or if the damage to both vehicles exceeds a specified amount (usually $2,000).

While the specific coverage you’ll need can vary based on your individual circumstances, drivers in Nova Scotia often consider additional coverages beyond the minimum requirements for better protection. This may include Collision Coverage, to protect against damage from a collision, or Comprehensive Coverage, to protect against non-collision events like theft, vandalism, or natural disasters. It’s also wise to consider the actual cash value of your vehicle and your ability to pay out of pocket when choosing your coverage.

Nova Scotia follows an “at-fault” insurance system, meaning the insurance company will determine the degree of fault for each driver involved in an accident based on the province’s Fault Determination Rules. These rules outline various accident scenarios and assign fault accordingly. The determination of fault will affect how claims are settled and how it impacts your insurance premiums.

It’s a good practice to review your auto insurance policy annually or whenever there are significant changes in your driving situation. Changes that may affect your coverage or rates include moving to a new neighbourhood, changing vehicles, modifications to your vehicle, or a change in driving habits.

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Contact us today for a quick, reliable auto insurance quote.

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