Driving With Peace of Mind in Hants County
Hants County is a beautiful place to live and drive in. Many places are historically significant, including the Cradle of Hockey, where the game began evolving. Hants County is also home to Fort Edward National Historic Site, where one can visit the oldest blockhouse in Canada. East Hants residents are close to the Shubenacadie Tinsmith Museum, and the Bay of Fundy provides twice-daily opportunities to experience the beautiful tidal bore.
Advantages of Hants County Living
Those who call Hants County home know there are many other advantages of living here. The cost of living is 12% lower, and median home prices are considerably below the national average.
Hants County Drivers Increase in Number
However, as more people discovered the advantages of living in Hants County, more moved here. The population has grown by thousands in the past several years. That means more drivers are on the road and your odds of getting in an accident increase.
According to statistics, there were 695,762 vehicles registered in Nova Scotia in 2022. Unfortunately, serious car accidents in Nova Scotia are on the rise, making Hants County car insurance more critical than ever.
Finding a Solid Car Insurance Policy
A vehicle is a significant investment. It's your means of getting to school, work, shopping and entertainment. Most Hants County residents use a personal car to get to work. If you end up in a fender-bender or more severe crash, you must get back on the road as soon as possible.
What Car Insurance Covers
Your Hants County car insurance policy covers many perils you may experience as a vehicle owner.
Personal Liability
Liability insurance pays for costs if you are found at fault in a car accident. Damage to other vehicles, injuries to other passengers and drivers and lawsuits are some of the expenses this insurance covers.
Uninsured and Underinsured Motorist
This type of protection covers expenses if the other driver does not have adequate insurance to pay for damages.
Collision
Collision insurance covers your vehicle if it collides with another car or an object, such as a tree, fence or pole. It also covers expenses if your vehicle overturns.
Comprehensive
Sometimes, your car has damage from other circumstances, such as theft, vandalism and weather events. Comprehensive insurance covers expenses for these types of perils.
Rental Car Reimbursement
Some policies allow you to elect rental car reimbursement coverage. If your vehicle requires ongoing repairs after an accident, this coverage pays for your rental car expenses so that you can stay on the road.
How To Save Money on Hants County Car Insurance
While auto insurance costs vary from place to place and person to person, you can save money on your policy.
Higher Deductibles
Opting for a higher deductible can lower your monthly premiums. However, you'll need to ensure you have enough on hand to cover the deductible if you have an insurance claim.
Bundled Policies
You may save money by getting multiple policies from the same insurer, such as home and auto coverage.
Increased Credit Score
A higher credit score may prove to insurers that you pay bills on time. Some providers may lower your rate based on a high credit score.
Safe Driving Habits
Traffic violations and accidents can raise your Hants County car insurance rates. Driving the speed limit, obeying traffic rules and watching out for hazards not only keeps you safer but goes a long way to preventing rising insurance costs.