On January 1, 2005, a final set of reforms promised by the government to New Brunswick's auto insurance system came into effect. A package of reforms introduced in 2003 that finally put restraints on skyrocketing claims costs has had the desired effect, and thanks in large part to those reforms, New Brunswick drivers have enjoyed an average premium reduction of more than 20%.

The latest reforms include a first chance discount that makes auto insurance more accessible to younger drivers, and a no frills option that offers flexibility for drivers who want to save on premiums.

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