Did you know that we may be able to save you money?


• Driver Training Discount for the newly licensed driver

• Multi-Vehicle Discount 5-17.5% discount if you have two or more vehicles

• Multi-Policy Discount 5-10% discount when you insure both your home & car with same insurance company

• Loyalty Discount 5-10% discount for being insured with the same insurance company for more than three years.

• University Discount 50% discount for child attending
university more than 100 miles away.  

• Short Commute Discount 5% discount if you drive to work less than 5 km each way

• Protect Your Good Driving Record We now have coverage available to protect your good driving record in the event of an accident.   

• Accidents & Convictions We have competitive companies available for drivers with accidents & convictions.  



Some factors that determine your auto insurance premium.


The amount of coverage you buy and deductibles  
In Nova Scotia, increasing coverage from the minimum $500,000 to $1,000,000 costs approximately $40 more per year. Higher deductibles can decrease your premium.

Your driving record
Logically, people with poor driving records pay higher premiums. However, if you have a small accident, you can expect at least a 20% increase in your premium. Your premium could double or your insurance might not be renewed at all if you get one or more impaired-driving convictions.

We now have coverage available to protect your good driving record in the event of an accident.

Your car model
The make or model of your vehicle also has an effect on your premiums.  Some insurance  companies are now using what is called CLEAR rating for automobiles.  It rates the policy on the claims history for that type of vehicle rather than the driving record.

How you use your car
A car used for business costs more to insure because it is generally driven more and the chance of an accident is therefore greater. You will probably pay more if you commute a long distance one way to work.  But you'll enjoy a reduction if your car is used solely for "pleasure." "Farm use" is cheapest of all.


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