Nova Scotia Car Insurance

Find the best rates for car insurance in Nova Scotia

For better peace of mind on the road, it is important to secure proper car insurance from someone you can trust. While Nova Scotia mandates all drivers have specific types of auto insurance with minimum coverage amounts, you have choice when it comes to which insurance provider you decide to give your business to.

As one of the largest independent, employee-owned insurance brokers in Canada, with a local presence in Nova Scotia, Acera Insurance is perfectly equipped to find the best car insurance coverage for you. We work with some of the best auto insurance companies in the industry. It is our job to utilize our local knowledge and market access to research your best options. We provide you with free car insurance quotes and expert advice, so that you can feel certain you are getting the best policy for your driving needs.

Our team is known for providing excellent service. We offer support at each step of the way – explaining your options and answering any questions – so you know exactly what you are getting. Plus, we are there for you any time after your initial purchase. Whether you need to a make change or submit a claim, we are here to help.

Connect with one of our Nova Scotia auto brokers right away to discover how we can support your insurance needs. Otherwise, read on to learn more about the ins-and-outs of Nova Scotia car insurance.

Important auto insurance coverages for Nova Scotia drivers

Car insurance in Nova Scotia is mandatory. Drivers in Nova Scotia can ensure they are properly protected with the following required coverages:

Optional auto insurance coverage in Nova Scotia

While Nova Scotia mandates drivers obtain the four key coverages above, there are many other optional coverages you will want to consider for more advanced protection.

Optional auto coverage options can include:

• Collision – provides protection for your own car in the event it sustains damages from other vehicles or objects.
• Comprehensive – offers coverage against non-collision related events, such as damage sustained due to severe weather, vandalism, theft and more.
• Specified perils – this coverage identifies and outlines policy coverage for one specific risk or a set of insured events. It is very customized to your needs and lets you include or exclude coverage for specific insured risks. 
• All perils – unlike specified perils, all perils coverage offers complete protection against the greatest number of risks possible.

Connect with an Acera Insurance auto broker in Nova Scotia to learn more about the coverage options available to you. We collaborate with you to understand your driving habits and insurance requirements, providing personalized recommendations for your auto insurance coverage.

Working with top providers to find the best auto insurance in Nova Scotia

As one of the largest independent and employee-controlled brokerages in Canada, Acera Insurance has access to over one hundred different insurance providers. Our Nova Scotia brokers can leverage this network of carriers to secure the most competitive and comprehensive offers for you. We take pride in getting to know you and understanding your needs. It is our job to match your personal requirements with reliable coverage provided by trustworthy carriers. We are your insurance guides. Our team is here to navigate the insurance market for you – all with your best interests in mind.

Cost of car insurance in Nova Scotia

Price is often one of the top reasons it comes to thinking about making the switch between car insurance providers. Understanding how your auto insurance rates are calculated is an important step to knowing your savings potential.

In Nova Scotia, car insurance rates are calculated by a few key factors, such as:

The amount you can expect to pay for your premium is unique to you. Each insurance provider will also have different weights for the factors above, which impacts insurance risk calculations. These differences can result in higher or lower premiums for the same driver. This is why it is always a good idea to connect with a dedicated car insurance broker. Brokers have access to multiple insurance markets, so they can compare your options. Through this process, an auto broker can offer you different price points and levels of coverage. In the end, they help you find the combination you are most comfortable with.   

How drivers in Nova Scotia can lower their auto insurance premiums

Your car insurance premiums are calculated by a few key determining factors. While some of these are beyond your control, that doesn’t mean you can’t impact your own rates. Some basic good driving habits, and even purchase decisions, can make a real difference when it comes to what you can expect to pay.

Here are some tips on how Nova Scotia drivers can lower their car insurance premiums:

• Install security devices
• Winterize your vehicle and install winter tires
• Take a driver education course
• Practice safe driving and maintain a claims-free record
• Remain insured and avoid any coverage gaps
• Combine your home and auto insurance
• Review your coverage with a local auto insurance broker

Be sure to contact your insurance broker to learn more about other potential ways you can reduce your car insurance premiums. You may be eligible for other available insurance discounts.

Competitive Nova Scotia car insurance quotes

Finding the best auto insurance doesn’t need to be complicated with the help of a dedicated Nova Scotia broker. At Acera Insurance, we make the process of getting your vehicle insured as easy as possible. Simply call us or submit an online quote request to get started. With access to over one hundred insurance markets, we will compare coverage from top providers and come back to you with several options to choose from. Our team offers honest advice and guidance. We work with you to find the right amount of coverage for your driving needs, so you are never paying for more than you actually need.