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Other Eligibility Considerations:
Other insurance conditions may arise depending on the type of vehicle, its use, and any customizations or modifications made to the vehicle. For example, if you have altered your vehicle to enhance its performance or appearance, most insurance companies would need to assess the vehicle to determine if they could insure it. If you plan on modifying your vehicle, call us first! We will let you know if the changes you plan on making could have an impact on your policy.
Other factors that may also prevent an insurer from issuing you a policy:
- Your vehicle has substantial unrepaired damage or is deemed unsafe
- Your vehicle is rented or leased to others
- Your vehicle is used for racing or competition
Learn more about Car Insurance Eligibility and Restrictions
Make sense of your Car Insurance needs and options
TD Right Fit Coverage Assessment
How Much Does Car Insurance Cost?
There are a number of factors that determine how much your car insurance will cost. Here are 7 of the key factors that insurance companies take into consideration when calculating your car insurance premium:
Your car: The make, model, and year of your car can affect your insurance premium. This determines the cost and value of the car, safety features, and repair costs.
How often you drive: The number of kilometers you drive your car per year will affect your insurance premium.
If you use your car for commercial purposes: If you use your car for work purposes (other than commuting), you may need to get commercial car insurance. Your business may require a higher liability limit.
Your driving record (and the records of all drivers who use your vehicle), which includes: The number of years you’ve all been licensed for. Convictions due to driving infractions (which includes speeding tickets). Accidents.
Where you live: Premiums are usually higher in and around large urban areas
The coverage you choose: The more adequate the coverage, the more it will cost to insure your vehicle
Special discounts: Belonging to a preferred group for professionals and alumni. With TD Insurance you can select up to three eligible groups!
Mandatory Car Insurance Coverage for Nova Scotia
Whether you lease, finance or own your vehicle in Nova Scotia, this is the minimum amount of coverage you need to have by law to protect yourself and your loved ones.
If you injure someone or damage property, payments are made on your behalf.
Damages to your car are covered if you're not at fault.
Uninsured & Unidentified Automobile Coverage
Medical costs and damage are covered if an uninsured driver is at fault.
Accident Benefits Coverage
Regardless of who is at fault, medical and other expenses you are entitled to receive are covered.
Enhanced and Special Coverage for Nova Scotia
Choose one of these options for beyond-the-minimum protection for your car.
Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.
All other insured damage caused to your vehicle (except collision or upset).
Collision or Upset
Damage to your vehicle caused by a traffic collision with another vehicle or object.
The broadest level of coverage — combines Collision or Upset and Comprehensive coverage along with increased theft protection.
With Accident Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.**
Uninterrupted Driving Coverage
With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance, a temporary rental car, and even towing.
Ways you can save
You could save up to 25% on your car insurance premium with TD MyAdvantage
Introducing TD MyAdvantage, a usage-based insurance savings program that is 100% voluntary and free. The safer you drive, the more you could save!
How do I get a car insurance quote in Nova Scotia?
Drivers in Nova Scotia know that the scenery here is what postcards are made of. With coastal cities and scenic waterfronts, a picture-worthy lighthouse is only a short drive away. When driving in your car, feel confident your coverage fits your needs.
We have a fast and efficient online quoter for residents in Nova Scotia, which makes it easy to receive a personalized car insurance quote right now. To get started, you will need your driver's license handy and some basic information about your vehicle. You will also need to provide some specifics about your driving history and add all relevant drivers. Once completed, the quote will be emailed to you so you can refer to it at any time.
Keep in mind that the minimum car insurance coverage required is determined by the Government of Nova Scotia and may vary in comparison to Alberta, Ontario, New Brunswick, Newfoundland/Labrador, Prince Edward Island and Quebec. In addition, premiums can vary depending on the area in which you reside, typically being higher in major urban centres, such as Halifax.
However, the online quoter will show you some ways you can save and will even provide a bundled quote for your auto and home insurance. Take advantage of preferred rates for alumni and professionals by selecting up to three eligible groups!