Compare Halifax Car Insurance Quotes
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Matt Hands, Sr. Business Unit Director
Halifax is the capital of Nova Scotia and its most populated city at more than 400,000 people. This major business centre for the east cost of Canada is also steeped in history with its hilltop Citadel that served to protect Canada in the late 1800’s.
Now the city is modernized and is a fantastic tourist destination. Tourism can bring a lot of cars on the roads which can drive premiums up. At Ratehub.ca, we help the people of Halifax shop for the best car insurance rates in just minutes to suit their budget and preferences.
To get the best car insurance in Halifax, it's vital to understand how it works.
Halifax operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident.
Nova Scotia car insurance is provided by private insurance carriers and is regulated by the Nova Scotia Utility and Review Board (NSUARB). NSUARB ensures an insurer can't raise rates without prior approval from them. It's also where you can file a complaint about your provider.
Available Halifax car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Halifax auto insurance coverage includes:
- Third-party liability (TPL)
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Halifax car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Nova Scotia are Standard Endorsement Forms (SEF) which are coverage enhancements. Here are 5 common Halifax auto endorsements.
- SEF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- SEF 27 - Ports your existing insurance to a rental car or car you borrow
- SEF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- SEF 43 - Removes depreciation in calculating the value of your car when settling a claim
- SEF 44 - Extends TPL coverage to your family following an accident with an uninsured motorist
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Direct compensation property damage
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How much is car insurance in Halifax?
The average cost of car insurance in Nova Scotia is just shy of $1,100 per year, or about $90 per month. Could you be paying less? Let's find out.
Direct insurance companies in Halifax
|Allstate||117 Kearney Lake Rd #14, Halifax, NS B3M 4N9||(902) 701-3026|
|CAA||6021 Young St #115, Halifax, NS B3K 2A1||(902) 443-5530|
|Co-operators||276 Bedford Hwy #103, Halifax, NS B3M 2K6||(902) 457-4457|
Direct insurance companies are experts on their insurance products, but don't compare the market to give you the best rate. If you compare insurance quotes online with us, we give you quotes from Canada's top insurers and allow you to select your best rate. After you select the cheapest quote, we connect you with an insurance broker in Halifax to finalize the policy.
Our Halifax insurance broker partner
(4.5 stars, 188 reviews on Google)
|Cheep Insurance||(902) 463-1675|
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Research which company provides cheap car insurance in Halifax, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Halifax car insurance quotes with us is free.
Stay with your current insurer
Some Halifax car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Halifax car insurance
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more
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