- March 22, 2021
- Category: Auto, Tips & Advice
If you’re shopping for car insurance as a new driver in Nova Scotia, Cluett is here to help you. We’re here to find you the right coverage at the most affordable price.
How Does Car Insurance Work For New Drivers?
In Canada, if you are under the age of 25 you are considered a “young driver.” Usually, the cost of your insurance is higher because the chances of you getting into an accident as a new/young driver is higher than someone who has been driving for many years. However, as you gain driving experience your premium can go down if you keep a clean record and follow the law.
You may want to check out these articles:
How to save money on insurance as a young driver
5 ways to lower your auto insurance premiums
How Are Car Insurance Premiums Calculated For New Drivers?
Many factors contribute to your car insurance premium as a new driver. Here are some of them:
- Age
- Type of car
- How frequently you use the car
Learn more about how car insurance premiums are calculated.
The average cost of car insurance in Nova Scotia is $816 (Insurance Bureau of Canada – 2019). As a new driver, you can expect to pay more than that.
New Driver Insurance Coverage
When purchasing car insurance take into consideration the following types of coverage:
- Liability coverage. This is mandatory coverage as per Canada’s law. It covers injuries and damages you may cause when you drive your car.
- Comprehensive coverage. All insured damage caused to your vehicle will be repaired/replaced (except collision or upset).
Learn more about the mandatory and extended coverage you can add to your car insurance policy.
Tips For Cheaper Car Insurance
If the cost of car insurance is stressing you out and your losing hope of cruising around in your car this summer, don’t worry. Here are our top 3 practical tips to save some money:
Speak with an insurance Broker
Use a reliable insurance broker to connect with top-quality insurance companies. The key to saving money on car insurance is to shop around – and that’s what our insurance agents are here to do for you. We shop the market looking for the lowest premiums without compromising the essential coverage you need.
Bundle your policies
Combining insurance policies is a great way to save some money. You can bundle car, home, motorcycle, or other insurance policies with the same insurance provider for a discount.
Take a driving course
You might be an amazing driver, but insurance companies need to see certification. Taking a driving course from a reputable institute can help with your driving skills and save you some money on your monthly premium.