Couple happy knowing they have the Car Insurance they need

Car Insurance

A car sets you free – enjoy it and protect it. We will help you get the best car insurance available. Plus, when or if you need to make a claim, we will help you with expert advice.

Customized Car Insurance Coverage Just for You.

CORE Car Insurance Coverages

  • Liability
  • Accident Benefits
  • Collision
  • Comprehensive

ENHANCED Car Insurance Coverages

  • Rental Car
  • Non-owned Vehicle Coverage
  • Limited Waiver of Depreciation
  • Accident Forgiveness
  • Road Side Assistance

It is great to know that you can call your insurance broker directly and actually speak to the same person every time. Athena has gone above and beyond with my many vehicle changes and is always available when I call. She is extremely knowledgeable in the industry and I don’t know what I would do without her.

Suzanne Robson
car insurance client

Enhanced Car Insurance Coverages – explained

If you need an explanation, we sort through the jargon and provide you with a brief description of these common Enhanced car insurance coverages.

  1. Rental Car Insurance

    Provides you with a rental car in the event you have a claim that leaves you without a vehicle to drive.

  2. Non-owned Vehicle Coverage

    Insurance coverage sold by car rental companies can be expensive.  With this coverage, you are covered for loss or damage to rented vehicles.

  3. Limited Waiver of Depreciation

    This waiver helps you cover the replacement cost of your vehicle without applying the declining value of depreciation.

  4. Accident Forgiveness Car Insurance

    Accidents just happen, when they do, sometimes it is nice to get a pass. With this car insurance coverage, your rates won’t increase due to your first at-fault accident.

  5. Road Side Assistance

    Provides reimbursement and call center support for emergency-related expenses in the event of a car accident or vehicle breakdown.

The Bauld Process

We are a leading provider of Car Insurance in Halifax, Nova Scotia. When you engage the Bauld Team for your car insurance needs, you will appreciate our Bauld Advisors’ depth of insurance knowledge and their hands-on personal approach.

Frequently Asked Car Insurance Questions

  1. What car insurance deductible amount should you go with?

    When making a claim you are responsible to pay your deductible, then your insurance company covers any expenses over and above that amount. The insurance deductible was created is to prevent small, unnecessary claims from being submitted. Numerous claims can drive up insurance costs, so it is often best to save your “claims” for when you really need them.

    This helpful blog will shed some light on car insurance deductibles and what it means for you.

  2. What kind of discounts can I get to lower my car insurance rates?

    There are several discounts available to help lower your car insurance rates, some of these are listed below. You can also read this helpful blog story Car Insurance Discounts Could Save You Money.  Give us a call for a full file review to make sure you are taking advantage of these possible discounts!

    • Combined Policy
    • Multi-Vehicle
    • Good Driving Record
    • Safety Features
    • Hybrid Vehicle
    • Low Mileage
    • Occupation
    • Students
    • Loyalty Discount
  3. How long will a traffic accident and tickets affect my car insurance rates?

    Typically an “at-fault” accident is chargeable for 6 years, and a conviction or ticket is chargeable for 3 years. This time period can change depending on the severity of the conviction – check with us for specific timelines.

  4. Do I have to add my child who just got their beginner license?

    A driver who still has a Beginners or Learner’s license does not need to be listed on a car insurance policy until they have passed their road test and obtained their full License.

    As long as they have their Learner’s License they need to have an experienced operator in the vehicle with them at all times so they do not need to be listed on the policy. Once they pass their road test, and get their drivers license, they need to be added to your policy.

  5. I’m going on vacation and will be renting a car. Do I have coverage?

    Your car insurance policy can usually be endorsed to include SEF27 – Liability for Damage to Unowned Vehicles.

    You can add this coverage to your car insurance policy for a minimal fee. As long as your rental is staying within Halifax, Nova Scotia, Canada, or USA, you would be covered for any damage which may happen to the rental vehicle.

    Some companies even include the coverage for free! Most policies place a dollar limit on this coverage, such as $40,000 or $50,000 per claim, so check with us for specific details to make sure you have adequate coverage.

  6. How are car insurance premiums calculated?

    While several factors determine the cost of your car insurance, here are the top three factors that insurance companies consider:

    • Statistical data about the make, model, and year of your vehicle
    • Where you live
    • The way you drive

    This blog – Advice on what determines your Car Insurance premiums – goes into more detail on this subject. Even better, contact a Bauld Advisor for a detailed policy review to ensure you are getting the best car insurance for you and your vehicle.

  7. I don’t have any accidents or convictions, why are my rates still going up?

    A major impact on today’s car insurance rates is the cost of repairs. Modern vehicles are equipped with more technology than ever – think of all the cameras and sensors built into our bumpers – which means even minor collisions can result in significant repair costs.

    Distracted Driving is also a concern; primarily for the safety and well-being of our communities, and also because it is responsible for an increase in car insurance claims. Simply put: when insurers pay out more for auto repairs, your costs go up, also.

Protect Your Car & Yourself

If you own a car in Halifax, Nova Scotia, having car insurance is not an option. Our Bauld Advisors can help ensure you get the best car insurance policy and coverages you need.