Choosing your auto insurance deductible just might be the most important – and confusing – decision you’ll make this year.
If auto insurance is a new concept to you or you’ve recently got a new car, you want to ensure you’re making an educated choice about the coverage you need that includes nothing you don’t.
When you choose a deductible, you’ll need to consider many variables like your financial position, vehicle value, and even road conditions – no two drivers are alike.
The snow is thawing and the sun is shining: it's spring in the Maritime provinces.
You're probably excited to get out there and hit the open road after your winter hibernation.
But humans aren't the only ones ready to enjoy the lovely spring weather. Don't forget: you also have to share the highway with several animals and a few (or sometimes many) less than perfect drivers.
Big changes are happening in the insurance industry.
Nova Scotia is now the first province to approve electronic pink slips. That's right: you no longer need to carry a hard copy of your auto insurance in your vehicle.
This decision is great for two reasons: it makes your life easier and helps make the world a little greener.
At Higgins Insurance, we care about our clients – you're like family to us – that's why we want to help you understand the changes and how Higgins Insurance can help.
You’ve decided to take the plunge and make a move from one province to another. Congratulations!
Moving is an exciting, though sometimes overwhelming, process.
One of the things that is likely on your moving To Do list is updating your license.
Today, everyone is looking for a good deal, and nowhere is this truer than with auto insurance. Car insurance policies vary widely in cost, and it can be difficult to figure out what’s a fair price and what’s not. Unfortunately, there isn’t a one-size-fits-all rule for knowing what’s a good deal…and what’s not! Instead, you need to know what to look out for with an auto insurance quote and develop an understanding of all the various things that affect a quote at any given time.
Knowing when to put on winter tires can be rough, because the transition between seasons is unpredictable and varied by year. You can’t expect temperatures to drop and snow to fall on the same day as the year before, and even taking an average temperature or precipitation over several years doesn’t equate to an exact science.
So how can anyone decide when to put on winter tires? It’s a much simpler question when you choose the right type of tire.
Do you remember your days in school when the teacher would ask a particularly difficult question? It became an involuntary reflex to drop your head, look at the pencil scratches on the desktop, and pray that she didn’t call your name. The human need to be seen as all-knowing and invulnerable really amazes me.
Insurance brokers strive to be the opposite. It is our nature to ask questions in order to learn and understand more, and we know that clients have questions, too. We want to encourage those. So, to break the ice a little, I have captured some of the most commonly asked questions by our clients. They are categorized to help future clients benefit and perhaps even trigger some new questions that have yet to be asked.
You’ve just gone out to eat at your favorite restaurant with friends and return to your car to find graffiti, key scratches, a broken tail light, and a shattered window. This is a shocking scene, and your first instinct might be to start trying to fix things or get into the car to assess damage. After all, this car was important to you on many levels beyond being a mode of transportation.
Carpool insurance may be the last thing on your mind as the days of summer come to an end. School is back in session! So you’re probably frantic gathering up school supplies and figuring out a daily schedule that includes taking the kids to class as well as after-school activities. Depending on your neighborhood or other nearby parents, you might even carpool other children along with your own. After all, it saves on gas money, cuts down on time, and gives your little ones extra time to socialize. It also evenly distributes vehicle wear between carpoolers and can help the environment by reducing emissions. That’s where carpool insurance may come into play, and why you should consider the effects of carpooling on your policy.
The Initial Penalty for Speeding: What Factors into the Ticket
When the flashing lights and sirens call you to a stop on the highway and you know that you were driving 20 kilometers over the speed limit, your immediate thought might be to cross your fingers and hope you’ll get away with a warning. After all, a ticket means a fine. And speeding fines can range anywhere from $50-$400 depending on factors like: