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Auto/Car Insurance

Comprehensive Automobile & Car Insurance in Halifax & Surrounding Areas in Nova Scotia

Do you have a teenager that’s finally ready to take the wheel of the family car? Or it’s time to see if the car insurance companies in Halifax are offering any new products that will save you money?

When you start doing a bit of research, it can get overwhelming fast. What you really want is a car insurance broker right here in Halifax, NS. That’s where we come in.

Our Best Features

  • With our 24/7 emergency claim service, you know that your claim will start moving through the system right away.

  • We offer competitive rates and you get personalized service.

  • We know Halifax and the region. If you tell us you had an accident at the intersection of Robie, Quinpool, Cogswell and Bell Road, we understand exactly what you are talking about.

  • We have customers from all over the Halifax Regional Municipality, including Dartmouth, Bedford, Sackville, Porters Lake, Hammonds Plains and all the neighbourhoods in between.

Options for Drivers in Halifax and Surrounding Areas

Nova Scotia residents expect affordable and reliable car insurance that will take care of them after an accident. To make sure that is exactly what you get, we sit down with you to choose the right policy for your individual needs.

  • Liability. Also called public liability and property damage (PLPD) insurance, covers injuries and damages you may cause when you drive your vehicle.

  • Accident benefits coverage. This is also required. It covers the cost of medical bills and lost wages that you may suffer as a result of an accident, even if you are at fault.

  • Direct compensation for property damage. Nova Scotia law now requires drivers to have DCPD insurance. It provides coverage for your vehicle if somebody else hits you or is at fault.

  • Collision. Covers repairs to your vehicle after an accident, regardless of who is at fault. If repairs were to cost more than the vehicle is worth, the policy reimburses you up to the fair market value of the automobile. Since this is not mandatory, the quality of coverage depends on the policy you choose.

  • High-risk driver. If you are considered a high-risk driver, we can find you the kind of coverage that will let you stay on Halifax roads.

  • Comprehensive. Covers damage to your vehicle that is unrelated to an accident. It insures against theft, fire, vandalism, environmental damage and other “I never considered that before” items.

Car and Auto Insurance in Nova Scotia: FAQs

At Eisenhauer Insurance Inc., we’re dedicated to providing Nova Scotians with comprehensive and affordable car insurance policies. Our knowledgeable agents are available to answer any of your questions. However, to make things easier for you, we’ve answered some of the most common questions about auto insurance in Nova Scotia below.

  • 1. What’s mandatory auto insurance in Nova Scotia?
    In Nova Scotia, your auto insurance policy must include the following elements: Liability covers you if you’re involved in a crash where you’re to blame, and the other driver files a claim against you. Accident benefits cover you and any passengers in the event of an accident. Direct compensation covers vehicle damage in a crash where you’re not at fault or only partially at fault. Uninsured automobile covers you if you’re involved in an accident with a driver who has no insurance. The minimum liability coverage in Nova Scotia is $200,000. However, we don’t recommend a policy with such low protection because you may have to pay a balance if you’re in a severe crash. We recommend a liability policy of at least $1 million. Those in the insurance industry typically opt for a $2 million liability policy.
  • 2. What’s the penalty for driving without auto insurance in Nova Scotia?
    If you drive without auto insurance in Nova Scotia, you could be fined up to $1,200. Additionally, your licence could be suspended for a year. The conviction will remain on your driving record for 10 years. During that time, you’ll receive a 25 per cent surcharge on your car insurance. You may also struggle to find an insurance company that will give you high-risk insurance.
  • 3. Can I drive someone else’s car if that car is uninsured?
    In Nova Scotia, it’s the driver’s responsibility to ensure the car they’re driving is insured, whether they own it or not. You risk being fined and having a criminal record if you drive an uninsured automobile. The same goes for lending. For example, if you let someone else drive your car and that person gets into an accident, you’re responsible for making a claim on your insurance policy.
  • 4. What factors determine auto insurance rates in Nova Scotia?
    Insurance providers base their rates on the following factors: Vehicle type. Certain types of cars are prone to theft, have low safety ratings or are expensive to repair. These vehicles generally have higher premiums than other vehicles. Vehicle use. How often you use your car and how you use it determines your insurance rates. For example, the more you drive, the more likely you’ll be involved in a collision. Driver age and profile. Younger drivers typically pay higher premiums than older drivers because they’re less experienced and more risk-averse. Postal code. Rural drivers tend to make fewer claims than drivers in high-traffic urban neighbourhoods and pay lower premiums. Deductible. The deductible is the amount you agree to pay when making a claim. A higher deductible will lower your premiums.
  • 5. How can I lower my auto insurance premiums?
    Drivers with spotless records, who’ve taken a drivers’ education course or have installed security measures in their cars are eligible for insurance premium discounts. Another way to reduce your premiums is to bundle your car insurance with your home insurance or choose a higher deductible.
  • 6. How much does it cost to register a car in Nova Scotia?
    The vehicle registration fee in Nova Scotia is $13.20 (as of September 2021). Vehicle permit fees range from $143.30 to $276.50, depending on the vehicle’s weight.
  • 7. How do auto insurance rates in Nova Scotia compare to other provinces?
    According to recent data from the Insurance Bureau of Canada (ICB), here’s how Nova Scotia ranks when it comes to average car insurance premiums. British Columbia: $1,832 Ontario: $1,528 Alberta: $1,316 Saskatchewan: $1,235 Newfoundland and Labrador: $1,168 Manitoba: $1,140 Nova Scotia: $891 New Brunswick: $867 Prince Edward Island: $816 Quebec: $717
  • 8. What does no-fault car insurance mean?
    The term “no-fault” means that if you’re in a crash and you’re injured or your car is damaged, you deal with your insurance company, regardless of who's responsible. You can receive reimbursement more quickly because you don’t have to wait for a court to decide legal liability. Your insurance company determines and assigns a percentage of fault for each driver based on predetermined rules and calculations.
  • 9. Who sets auto insurance rates in Nova Scotia?
    The Nova Scotia Utility and Review Board (NSUARB) monitors rates and approves or declines requests for rate changes from insurance companies. The Office of the Superintendent of Insurance regulates provincial insurance matters and enforces the Insurance Act.

For a free quote or for more information about our services, come see us or call 902-454-5888. You can also contact us online with your questions.

At Eisenhauer, we offer no-pressure, no-obligation, consultative insurance services.

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