Save on car insurance in Mount Pearl.
We’re one of Mount Pearl’s largest independent brokers. 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 Mount Pearl’s best auto protection and benefits. That’s a promise.
Mount Pearl is the city of urban living in nature.
As one of the largest cities in Newfoundland and Labrador, you will find the comforts of a large city here. These comforts are nestled in nature, giving residents and visitors the best of both worlds. Mount Pearl is a carefully planned, modern city that continues to grow to meet future needs. The city is family-oriented and business-friendly, with extensive municipal services and community programs. Driving in Mount Pearl is like driving in any modern city, with responsive road maintenance and safety measures. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Mount Pearl and save while you’re doing it.
Driving in Mount Pearl – Tips to keep you on the road.
SLOW DOWN FOR EVERYONE’S SAFETY.
Mount Pearl consists of many residential neighbourhoods, over 50km of walking trails, over 50 playgrounds and play courts and eight schools. The city implements school safety patrols in the mornings and in the evenings on weekdays, regular radar patrol in areas known for higher driving speeds, mobile digital traffic signs displayed throughout the community to bring awareness to drivers’ speeds and targets traffic operations in partnership with the Royal Newfoundland Constabulary.
BE AWARE OF WINTER PARKING RESTRICTIONS.
Mount Pearl implements a parking ban every winter in aid of snow clearing operations. All street parking is banned from December 1-March 31 between the hours of 1 a.m. and 8 a.m. Any vehicle unattended parked on any street against the regulations may be removed and impounded at the owner’s expense, and a fine will be given for non-compliance.
PRACTICE THE MOVE OVER LAW.
As in all of Newfoundland, Mount Pearl is very strict with the Move Over Law. This law applies when a designated vehicle is stopped and operating its red, blue or amber lights or has other traffic warning signals displayed. The general rule is to create a buffer lane by slowing down and putting as much distance between the driver and the stopped vehicle. If there is another lane going in the same direction and it is safe to do so, the driver must slow down and change lanes so there is a full lane between the driver and the stopped vehicle. If a second lane isn’t available, the driver must put as much distance between the vehicle and the designated vehicle that is safely possible.
FIND YOUR SPEED.
With the city continuing to grow, it has prioritized safety initiatives and traffic calming measures throughout. They continuously update a map embedded on the Mount Pearl website that collects speed data for various streets so residents can see what the average driving speed is in their neighbourhood.
A few facts about car insurance in Mount Pearl.
- The average age of auto insurance policyholder in Mount Pearl is 34
- The average age of drivers in Mount Pearl is 47
- The number of accident claims in Mount Pearl in 2018 was 2100
- The top automotive brands we insure in Mount Pearl are Honda, Toyota, Volkswagen, Mazda, Dodge, Ford, Ram
- 70% of people in Mount Pearl drive Cars
- 30% of people in Mount Pearl drive Trucks
Facts and myths about Mount Pearl.
FACTS
On July 21, 1988, the Town of Mount Pearl became the third community in Newfoundland and Labrador to be granted city status.
Mount Pearl is the second-largest city in Newfoundland and Labrador.
Mount Pearl is the 20th largest metropolitan area in Canada.
The city dates back to 1829, when Commander James Pearl and his wife, Lady Anne Pearl, arrived in Newfoundland with a Crown grant of one thousand acres of land, a reward for Commander Pearl’s 27 years of distinguished service in the Royal Navy.
MYTHS
It was actually granted city status in 1988 and has grown to be one of the largest cities in the province with a population of 23,000 in 2016.
Mount Pearl is its own municipality, with its own self-contained city municipal services such as snow clearing and garbage pickup. It has a mayor, deputy mayor and five councillors.
Mount Pearl has a full calendar of recreation events, parks and trails, multiple community centres, sport facilities, and is home to the Glacier Arena that hosts a large Christmas craft fair every year. The Annual Frosty Festival is a full week of a variety of activities for every age. All parks and facilities, as well as the Admiralty House Communications Museum, are linked through 60km of beautiful forested walkways.
A significant portion of the City is situated on land granted to Sir James Pearl in 1829 by the Colonial Secretary in recognition of many years of faithful service to the Crown. In 1830, Commander Pearl built a house upon the most elevated section of his estate and named it Mount Cochrane in honour of then-governor Sir Thomas Cochrane. After the governor left Newfoundland, Pearl renamed the site Mount Pearl.
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 Mount Pearl
Mount Pearl 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 Mount Pearl are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Mount Pearl 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.
Mount Pearl 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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