Car Insurance in Bedford

The benefits of car insurance in Bedford

Bedford drivers receive several benefits from purchasing car insurance. From the financial protection that comes with knowing you are insured, to complying with local laws. Below are a few of the top benefits of Bedford auto insurance.

You are in compliance with the law

First and foremost, car insurance is legally mandated in the province of Nova Scotia. This means that driving without car insurance is a criminal offense punishable by law. Uninsured motorists in Bedford can face serious consequences for driving without a valid insurance policy.

For a first offense, you can be fined a minimum of $1,250, and for repeat offenses, the fine can go up to $5,850. In addition to having to pay a fine, uninsured motorists in Nova Scotia may have their licenses suspended by the Registry of Motor Vehicles.

Therefore, one of the main benefits of purchasing Bedford car insurance is that you comply with the law.

You are protected in the event of accidental injury

If you injure yourself while driving, your provincial health plan will likely cover the majority of the medical expenses. However, for costs that aren’t covered under your basic health plan or health insurance policy (if applicable), such as physical therapy, rehabilitation, or medical prescriptions, your Bedford car insurance policy can help.

You are protected in the event of an accident

Car accidents happen every day and can involve even the safest of drivers. But with a quality car insurance policy, you can rest easy knowing that in the event of an accident, your insurance has got you covered with collision coverage. Depending on the specific coverages you choose, your insurer will likely help pay for property damage, such as a damaged vehicle.

You are protected in the event of damage or theft

If someone steals your car, having the right auto insurance policy can help. Depending on the coverage you choose, your insurance policy may offer protection against circumstances beyond accidents, such as theft, vandalism, fire, and water damage.

What affects your auto insurance rate in Bedford?

Many factors impact insurance premiums in Nova Scotia. For a list of the most common factors affecting auto insurance rates in Bedford, keep reading.

Driving history

Driving history is one of the most significant factors used to determine the cost of Bedford car insurance. If you have ample driving experience, you likely have a lower premium. However, in addition to experience, you must also have a clean driving record. A clean driving record indicates that you are a safe and responsible driver who obeys the rules of the road. Conversely, if your driving record includes speeding tickets, accidents, and DUIs, then your insurance premium may be affected.

Location

Where you live and work can affect your Bedford car insurance rate. For example, if you live in or frequently drive to a major city, such as Halifax, or an area prone to climate related incidents, such as floods, then your auto insurance rate could be impacted.

Age

Your age is another factor that can influence the cost of car insurance. Young drivers with less experience and senior drivers over the age of 60 may pay more for car insurance for a variety of reasons.

Make, model, and year of vehicle

The make, model, and year of your car is one last factor that might affect your auto insurance rate. Typically, the more expensive the car, the more it will cost to insure (the one exception to this is if your vehicle is equipped with safety features or anti-theft devices). This is because newer, more luxurious vehicles tend to be greater targets for theft. Repairing or replacing these types of vehicles will also cost the insurance company more. So if you are looking to save money on Bedford car insurance, consider buying an affordable vehicle, or even an older or used model.

Compare Bedford auto insurance rates from BrokerLink

Shopping for car insurance is no easy task. With so many insurance companies competing for your business, not to mention all the different coverage options on the market today, finding a Bedford auto insurance policy that’s right for you can feel daunting. That’s where BrokerLink comes in. When you hire an insurance broker, you’ll save yourself time and money. To learn more about why Bedford drivers choose to partner with trusted insurance brokers, keep reading.

Brokers are independent

The first thing you need to know is that BrokerLink insurance brokers are independent. We don’t work for the insurance companies, we work for you. We are happy to offer our unbiased opinions on the best coverage options for you and your family.

Brokers do the work for you

If you hire an insurance broker to help you find Bedford car insurance, they’ll do all the work. So while you are spending quality time with your family, your BrokerLink insurance advisor will be working behind the scenes. Sit back and relax while we take care of everything. Comparing quotes, unlocking discounts, and browsing coverage options are our specialties. Let us do all the heavy lifting to find you a quality car insurance policy in no time.

Brokers are car insurance experts

BrokerLink has been in the car insurance business for over 30 years. Since 1991, we have made it our mission to help Canadians find the right car insurance policies. We know the ins and outs of the industry and can help you find a policy that matches your lifestyle, driving habits, and budget. From high risk drivers to young drivers, BrokerLink’s insurance advisors will work to find the right car insurance for you.

Get a quote

Contact your local broker in Bedford. As the experts at taking care of you and your insurance needs, we shop the market for the best rate available.

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