Car Insurance: Saint John, NB
The Right Auto Coverage for Your Lifestyle
From the Acadian Coast to the Miramichi River, you get to enjoy some of the most beautiful scenery while out and about in New Brunswick. As a resident here, you are lucky to have access to these stunning vistas as well as to some of the country's lowest car insurance premiums. Little else can make cruising the open roads more enjoyable than knowing you're fully covered in case of an emergency. If you need car insurance in Saint John, HUB International is ready to help you find the best fit for your unique needs.
While every driver is different, they are all required to have some of the same minimum coverages. Navigating the world of automotive insurance can be tricky, but with the right broker on your side, you can be zooming along in no time. Here are some factors to consider when finding your perfect insurance plan.
- Your driving record
- Your payment history
- The type of car you own
- The location of your home
- Your eligibility for discounts
- The primary purpose of your car
- How long you have been licensed
- Length of insurance coverage and any gaps in coverage
Generally, auto insurance premiums in New Brunswick are among the lowest in the country. Driving without insurance can cost you a lot - as in hefty fines and time in jail. Take advantage of the low rates available for car insurance in Saint John, as it's simply not worth paying the price of driving uninsured.
Although car insurance in Saint John is quite affordable, there are still some ways to save money. Here are some tips for getting the best rate:
- Always pay your premiums on time. You can avoid late fees and fines by creating a habit of always paying your bill on time.
- Take the time to shop around for the best policy. HUB International can help you sort through the confusing jargon and find the best plan for your needs.
- Drive a car with updated safety and security features. These cars vehicles are generally less to insure.
- Drive safely and do your best to keep a good driving history. Drivers with fewer accidents, claims, and convictions have lower insurance premiums.
Insurers may also offer discounts for various actions or achievements. For example, you may be eligible for a discount on car insurance in Saint John if you own a hybrid car or a car with advanced anti-theft systems. Most companies also award discounts if you bundle your insurance policies. Usually, you can insure multiple cars or bundle your home and auto insurance with the same company to get lower rates.
In New Brunswick, you are required to carry automotive insurance minimums in order to legally register and drive your car. Here are the basic requirements:
- Third-party liability insurance. You are required to carry $200,000 in third-party liability insurance on your vehicle. Without the minimum coverage, you will not be able to register your car.
- Direct compensation property damage (DCPD) coverage. You are also required to have DCPD insurance that covers you when your car is damaged and another driver is found to be at fault. Under DCPD, you will collect benefits from your own insurer even if someone else caused the damage.
- Uninsured and unidentified insurance. As a motorist in New Brunswick, you must hold uninsured and unidentified insurance. This is a type of coverage that protects you if you're involved in an incident with a driver who is uninsured or with a driver who cannot be identified.
If you live in Saint John, you are required by law to carry the above levels of auto insurance at a minimum. If you are in an accident and don't have the proper insurance, you can face fines, jail time, and license suspension.
