Save on car insurance in Corner Brook.
We’re one of the largest independent brokers for Corner Brook auto insurance. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with Corner Brook’s best auto protection and benefits. That’s a promise.
Corner Brook, a big little city.
Offering everything a major city does while keeping the small-town charm, Corner Brook is a destination and residence for many. You can take in the sights and sounds, experience nature and culture at every turn. You drive through history and a modernized city at the same time. At Munn Insurance you can find the most competitive auto insurance in Corner Brook and save while you’re doing it.
Driving in Corner Brook – Tips to keep you on the road.
KEEP A KEEN EYE FOR MOOSE.
Even though Corner Brook is third largest city in Newfoundland, moose populate every corner of the province. There are approximately 120,000 moose on the island and even the more populated areas are surrounded by dense forest areas. The animals tend to wander onto roadways and are more active during sunrise and sunset. Don’t be fooled by the fact you may be driving by a shopping plaza; a moose can very easily wander across your path.
STRONG WIND MEANS SPECIAL CONSIDERATION.
Though wind may not seem like a significant risk, Newfoundland is known for its high gusts of winds through all seasons. Drivers need to take care when driving through areas prone to strong winds or when weather reports predict severe weather. Also, motorists should notice larger vehicles such as tractor-trailers as they are much more susceptible to high winds. And drivers should always keep a firm grip on the wheel as strong winds have the ability to push moving vehicles.
KEEP THEM BUCKLED UP.
Car crashes are the leading cause of death and injury to children in Canada. When children are using an appropriate car seat, they are well protected with a minimized chance of injury due to an accident. Knowing a child’s height and weight before purchasing a new car seat is important, and there are multiple laws regarding which seats are appropriate for children of different heights, weight and ages. Be sure to know if your child is protected before hitting the road.
TIME FOR NEW TIRES.
Tire problems are a factor in many car accidents. Blowouts, tread separation, under inflation and worn treads are some of the tire problems associated with accidents. While many people think just worn tires need to be replaced, old tires are of concern as well. As tires age, they become more prone to failure. The minimum safe tire tread depth is 2/32”, vehicle owners should consider replacing tires at the 4/32” mark, especially in Newfoundland with the rainy and snowy conditions.
A few facts about car insurance in Corner Brook.
- The average age of auto insurance policyholder in Corner Brook is 36
- The average age of drivers in Corner Brook is 51
- The number of accident claims in Corner Brook in 2018 was 1300
- The top automotive brands we insure in Corner Brook are Chevrolet, Chrysler, Honda, Toyota, Mazda, Ford, Hyundai
- 63% of people in Corner Brook drive Cars
- 37% of people in Corner Brook drive Trucks
Facts and myths about Corner Brook.
FACTS
The City hosted the ‘Raid the North Extreme’ twice; a televised six-day multi-sport expedition race held in wilderness locations across Canada and was a leg of the ITU World Cup Triathlon.
Corner Brook hosted the 2016 Special Olympic Winter Games.
The area was first surveyed by renowned explorer Captain James Cook in 1767.
The area was originally four distinct communities, each with a unique commercial activity. Curling with its fishery; Corner Brook West with its retail businesses; Corner Brook East with its railway and industrial operations; and Townsite which was home to the employees of the pulp and paper mill. These four communities were amalgamated in 1956 to form the City of Corner Brook.
MYTHS
While on the opposite side of the island from St. John’s, Corner Brook is situated near both Stephenville International Airport and Deer Lake Airport. It is along the Trans-Canada Highway and is a stop for province wide bussing. As well, it’s a few hours’ drive from Port aux Basques ferry terminal.
In fact, Corner Brook is home to Memorial University’s Grenfell Campus, that offers degrees in Arts, Business, Science, Nursing, Fine Arts and more. The College of the North Atlantic also has a campus situation in the city, with certificates and diplomas in a variety of programs from Agriculture, and Early Childhood Education to Power Engineering and Software Development.
Corner Brook is very rich in arts and culture. With Grenfell Campus, there are students completing and graduating from the Visual Arts and Theatre Arts programs. There are multiple art galleries and centres that cater to various cultural events and artists within the city.
A part of Corner Brook’s charm is its closeness to nature within and surrounding the city. There are four parks within the city and eight playgrounds. The Corner Brook Stream Trail winds through the City, following the Corner Brook Stream. Three Bear Mountain offers walkers a panoramic view of the City of Corner Brook.
We do the shopping. You get the savings.
Newfoundlanders love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our Newfoundland customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:
How Munn Insurance saves you money.
We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.
- Bundling (Auto + Home Discount)
- Multiple Vehicle Discounts
- Experienced Drivers Discount
- Safe Drivers Discount
- Claims-Free Discount
- Loyalty Discount
- And Many More
Combine your home and car policies and save.
With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage. So combine them both and receive a discount on both. That’s like a double discount!
Combining also gives you the extra convenience of aligned renewal rates and less paperwork.
You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:
- Private Homes
- Condos
- Tenants
- Cabins/Cottages
- Rented Dwellings
Special discounts and savings with a Munn Insurance group policy.
We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland are able to take advantage of special discounts and many extra-valuable benefits.
- Special Group Discounts
- Mortgage & Real Estate Assistance
- 0% Insurance Financing
- Home Repair Assistance
- Legal Assistance
- Health Assistance
- CAA Members can SAVE up to 20% on Auto and Home Insurance
- Access to multiple insurance markets; knowing you get the best coverage at the best rate
- Confidence and security of being a member of a preferred group
- Local, fast and efficient 24/7 Claims Service
- Legal Assistance
- Health Assistance
Get Newfoundland’s best leisure vehicle protection.
Newfoundlanders love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Newfoundland. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.
- Boat and Watercraft
- ATV
- Snowmobile
- Classic Cars and Auto
- Motorhome, RV and Trailer
- Motorcycle
Car insurance laws in Corner Brook.
Corner Brook drivers must be in possession of legally determined minimum insurance coverage to drive on our roads. These minimum limits have been enacted to ensure drivers are financially responsible if an at-fault accident occurs.
Current limits for auto insurance in Corner Brook are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Corner Brook drivers are not required to carry accident benefits coverage, although most do choose to buy this coverage, which includes coverage for medical payments, disability coverage, and death benefits coverage. This type of insurance is mandatory in other provinces. Many drivers in Newfoundland also opt to increase their liability coverage to limit risk and financial exposure.
There are also other optional coverages that can be purchased. These include comprehensive and collision coverage to protect in the event of an at-fault accident or non-accident scenario such as theft.
Corner Brook car insurance – your questions answered.
Our Latest Advice
Switching is Easy and Can Help You Save
Everyone wants to make sure they’re getting the best value, and insurance is no exception. While you may have found a great policy a while back, it’s always smart to regularly review your coverage and rates to ensure you’re still getting the best deal. A good broker will do that for you. Switching insurance providers or brokers can be a wise decision, but it’s important to weigh all factors before making a change.
In this article, we’ll explore the key things you should know about switching insurance providers, including when there’s an acquisition or merger involved, and how those changes can impact your policy.
Why Consider Switching Insurance Providers?
There are several reasons why you might consider switching insurance providers. You might have found a better deal, your coverage needs may have changed, or your insurer may not be offering the best customer service. In some cases, mergers or acquisitions can prompt you to review your policy as new ownership can bring changes to rates, coverage, and service.
Here are some common reasons to switch insurance:
- Looking for lower rates: With rates changing often, you might find a better deal by shopping around.
- Improved coverage: You may need more (or less) coverage than you currently have, or your insurer may no longer meet your needs.
- Customer service: If you’re experiencing poor customer service or claims handling, it may be time to find an insurer who better aligns with your expectations.
- Your broker or insurer is bought or sold: A change in ownership can result in shifts in how your policy is handled, including changes to premiums, coverage, and service.
- Your needs have changed: Whether you’re upgrading your vehicle, purchasing a new home, or making other life changes, adjustments to your coverage may be necessary to ensure you’re properly protected.
Switching Insurance Providers: What You Need to Know
1. Can You Switch Your Insurance?
Yes, you can absolutely switch insurance providers. The best time to do this is right before your policy is up for renewal. This allows you to avoid cancellation penalties and ensures a smooth transition into your new policy. To make sure you’re getting the best deal, you should:
- Call a local broker: A local broker can help you access more markets and options. Direct writers often only have one option to offer.
- Compare rates: Comparing rates from multiple providers helps you identify if you’re overpaying. Make sure the policies you compare offer similar coverage, limits, and deductibles.
- Check customer experiences: Research customer reviews to see how the provider handles claims and customer service.
- Ask your broker for help: A knowledgeable insurance broker can help you shop around and make sure you’re comparing apples to apples when it comes to coverage.
- Consider convenience: Check if the new provider offers things like online policy access or a mobile app for easy management.
2. Can You Switch Insurers Mid-Policy?
Yes, you can switch insurance companies during your policy term, but be aware that some insurers charge a cancellation fee for early termination. You’ll want to know the exact penalties or fees associated with cancelling early, as they can impact the overall cost-effectiveness of the switch.
Here’s how to assess the situation:
- Calculate your savings: Determine how much you’ll save on premiums over the remainder of the policy term and subtract any early cancellation fees.
- Avoid non-payment penalties: Don’t just stop paying premiums to your old insurer, as this could result in policy cancellation and negatively impact your credit.
3. How Do You Change Insurers?
Once you find a new insurance provider, make sure your new policy is active before cancelling your old one. You just don’t want to leave any gaps in coverage, as this could lead to higher premiums or difficulties in securing future coverage. Most brokers will help you through this process. It’s not hard. They can assist with the paperwork to ensure that your new policy is set up correctly and that your old insurer is notified of the cancellation.
4. Can You Switch Home and Auto Insurance Too?
Yes! If you have bundled home and auto insurance, switching both policies can often help you save even more. Many insurance providers offer discounts for bundling these policies, which could make the switch financially worthwhile. If you’re making a change, be sure to notify your mortgage lender (for home insurance) and your car loan provider (for auto insurance) to keep them informed, and send them the new policy’s declaration page.
Switching both policies at once can streamline the process and ensure you get the best rates and coverage across both areas. A knowledgeable broker can help you evaluate the best options for bundling or switching both your home and auto insurance.
Switching When Your Insurance Broker or Provider is Bought or Sold
Mergers and acquisitions (M&As) in the insurance industry can complicate things when you’re looking to switch providers. Here’s what you should know if your insurer or broker is sold or merged with another company:
- Changes to Rates and Coverage: When an insurer is acquired by a larger company, rates, coverage options, and policy terms can change. You may face increased premiums or find that your coverage doesn’t meet your needs as well as it did before. In some cases, the new provider may offer more competitive rates or improved coverage, but it’s essential to review your policy when the switch happens to ensure your needs are still covered.
- Changes to Customer Service and Claims Processing: The new insurer might handle claims and customer service differently, which could impact your experience. While some companies improve service after a merger, others may experience growing pains during the transition. Pay close attention to how the customer service experience changes, and be prepared for potential delays or disruptions in claims processing.
If you find yourself in the middle of a merger or acquisition, there are a few key steps you should take:
- Review your policy: Look over your new policy terms and conditions, and ensure your coverage hasn’t changed in a way that negatively impacts you.
- Shop around: Even if the transition seems smooth, take the time to compare your rates and coverage with other providers to ensure you’re still getting the best deal.
Tips for Switching Insurance Providers
Whether you’re considering switching due to a merger or acquisition or simply looking for better coverage or rates, here are some tips to help make the transition smooth:
- Start early: Begin shopping around a couple of months before your policy renewal to give yourself time to compare options.
- Get multiple quotes: Always compare quotes from at least three different companies to ensure you’re getting the best deal.
- Review coverage carefully: Make sure your new policy offers the same or better coverage than your old one.
- Check for discounts: Ask about available discounts like bundling home and auto insurance or discounts for safe driving or good credit. Ask if you qualify for any group discounts too—this could be up to 20% more savings.
Conclusion
Switching insurance providers can be a smart move if you’re looking for better rates, improved coverage, or if changes in your current broker or insurer’s ownership have left you wanting something different. No matter why you are switching, it’s important to carefully review your policy, understand the terms, and work with your broker to make a smooth transition. Don’t hesitate to shop around and find the coverage that best suits your needs!
Call Munn Insurance Today!
If you’re considering switching your insurance, or if you need guidance during a merger or acquisition, Munn Insurance is here to help. We review every policy at renewal time to ensure you’re always getting the best value for your coverage. Contact us today to get a quote or discuss your options with one of our experienced brokers.
Whether you’re adjusting your auto insurance, home insurance, or bundling both, we can help guide you through the process and make sure you’re protected at the best price.
Reach out to Munn Insurance today at 1-855-726-8627 or visit our website to learn more.
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