Auto Insurance – Prince Edward Island
Driving in Prince Edward Island (PEI) means enjoying picturesque landscapes, but it also comes with the responsibility of protecting yourself, your vehicle, and others on the road. At Westland, you’ll get auto insurance tailored to the needs of islanders.
Whether you’re a local or new to PEI, our coverage options are designed to give you the security and peace of mind you need on every drive.
Get InsuranceTypes of auto insurance in PEI
Motorcycle insurance
Offers coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Best suited for those with a taste for adventure, get an off-road vehicle insurance policy for your snowmobile or all-terrain vehicle.
Rental auto insurance
A more cost-effective alternative to getting insurance through the rental company while still getting the protection you need.
RV insurance
With similar coverages to auto insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial auto insurance
Whether you have one commercial vehicle or a fleet, we have the commercial auto policy you need.
Auto insurance in PEI, explained
Auto insurance in Prince Edward Island is mandatory for all drivers and provides essential protection for accidents, theft, or damage. Third-Party Liability, Accident Benefits, Direct Compensation – Property Damage, and Uninsured Motorist are all mandatory coverages required to drive in the province.
Drivers can add optional coverage to their policy like Collision coverage, Comprehensive, Loss of Use, and Family Protection. Each option offers additional protection for your vehicle and personal well-being, allowing you to customize your policy based on your needs. Drivers are also required by law to carry proof of insurance while driving.
This coverage protects you financially if you’re responsible for damages or injury to another person or their property. This can include the cost of covering damage you may cause to the property of others, the cost of medical care, legal fees, and settlement costs. The minimum you must be covered for is $200,000, but this can be increased to up to $2 million with most providers.
Part of every auto insurance policy in PEI, Accident Benefits coverage will kick if you or someone else has been injured in a collision. This coverage can extend to any drivers, passengers, or bystanders involved in the incident. Offering coverage for medical care and rehab, income replacement, death and funeral expenses, and more, this is an essential part of your auto insurance coverage.
If your car’s been damaged in a collision or accident with another vehicle where you’re not at fault, you can file a claim directly with your own insurer for repairs to your car and other property damaged in the accident. This covers damages, excluding injuries.
This part of your policy offers protection if you’ve been involved in an accident with an uninsured or underinsured. Be covered for injuries and damages to yourself and your vehicle.
Often mistaken as being part of your standard auto insurance in PEI, Collision is an optional coverage you can add for extra peace of mind. It’ll cover instances where your vehicle has been damaged in an accident with another vehicle, and you’re at fault.
This coverage protects against damage or loss caused by events like fire, theft, and falling objects – basically, damage caused by things other than a collision.
If you cannot use your car because of an insured loss or damage, this provides coverage for transportation replacement or a rental vehicle.
This coverage extends protection to your family if the at-fault driver’s coverage isn’t enough. In the event of injury or even death with an underinsured, uninsured, or unidentified driver, Family Protection will cover you up to your maximum liability coverage.
Offered by many insurance companies in PEI, Ticket and Accident Forgiveness are optional coverages you can add to avoid having your premium go up after your first conviction or at-fault accident.
What factors determine the cost of auto insurance in PEI?
The type of car you drive will impact your premium, depending on factors including its safety rating and the general cost of repairs. The likelihood of it being involved in a collision or theft will also impact your price.
Drivers with years of experience typically pay less for auto insurance in PEI. Insurance companies are also permitted to take gender into account – female drivers are usually granted a lower rate, as males are statistically more likely to be involved in fatal collisions.
Convictions like speeding tickets, at-fault collisions, and other driving infractions will impact how much you pay for auto insurance in PEI. Parking tickets aren’t taken into consideration.
Rates can vary depending on where you live. Whether you’re in a neighbourhood deemed high-risk for incidents, out in the country where driving longer distances is more common, or downtown, where you’re driving the most, will affect how much you pay for auto insurance in PEI.
Your daily commute will be factored into your auto insurance premium. The more you’re on the road, the more at risk you’ll be of being involved in a collision.
If there are drivers in your home without their own auto insurance policy, you’ll need to add them to yours. This can impact how much you pay for auto insurance in PEI.
How to save on auto insurance in PEI
Bundle policies
If you have other insurance policies, such as home or renters insurance, consider bundling them with your car insurance. Many insurers offer discounts for combining policies.
Increase your deductible
Raising your deductible can lower your monthly premium. However, remember that you’ll pay more out of pocket in the event of a claim.
Maintain a clean driving record
A history of safe driving can significantly lower your premiums. Avoiding accidents and traffic violations shows insurers that you’re a low-risk driver.
Take advantage of discounts
Ask about available discounts, such as those for renewing with the same provider, being claims-free, or those with winter tires installed on their vehicles.
Discounts on PEI auto insurance
Winter tire
Save on auto insurance in PEI when you equip your vehicle with winter tires during the cold months.
Multi-line
Insure your home or other vehicles with the same provider for extra savings.
Mature customer
Customers 65+ can save more on auto insurance.
Renewal
Enjoy a loyalty discount when you stay with your insurance provider for multiple consecutive years.
Claims-free
Get rewarded for having a good auto insurance claims history.
Driver training
Save more on your auto insurance when you’ve completed a recognized driving training program.
Why choose Westland for your PEI auto insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized auto insurance coverage in PEI to suit your lifestyle.
Our extensive network of insurers means more choice
We have a large network of insurers we can tap into - guaranteeing great rates and options - so you know you’re not missing out.
We work hard to make things simple
Whether finding the right auto insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Get coverage that goes further with Westland Insurance
Example of an auto insurance claim
Imagine you’re driving on a snowy day and lose control of your vehicle in a slippery intersection. You end up sliding into another car, causing damage to both vehicles. Fortunately, the other driver is not injured.
What now?
Parts of your auto insurance policy in PEI may spring into action to help you recover.
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Third-Party Liability Insurance
If you’re deemed at fault for the accident, this will help cover the costs associated with the damage to the other person’s vehicle and any injuries they might have sustained.
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Collision coverage
This helps pay for the repair or replacement of your own vehicle after a collision, regardless of who is at fault. In this case, collision coverage could cover the damage to your vehicle after sliding into the other car.
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Accident Benefits
If you or any passengers in your vehicle are injured in the accident, Accident Benefits can help cover medical costs, rehabilitation, and lost wages.
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Comprehensive coverage
If your vehicle was also damaged by other factors, such as hitting a fence or a tree during the accident, comprehensive coverage could help with those repairs, depending on the situation.
Connect with us
Our expert advisors are waiting to help you find the perfect auto insurance policy in Prince Edward Island.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
Areas we serve in Prince Edward Island
FAQs about auto insurance in PEI
Third-Party Liability, Accident Benefits, Direct Compensation – Property Damage, and Uninsured Motorist are all required to drive in Prince Edward Island.
The best way to save on auto insurance in PEI is to maintain a clean driving record – low-risk drivers tend to pay less for insurance. Be sure to ask about discounts you may be eligible for, and consider bundling your home and auto policies with the same provider for added savings.
Auto insurance in PEI typically covers anyone who drives your car with your permission – this includes family members or friends. However, if someone regularly drives your car, it’s important to inform your insurer to ensure they’re covered.
The minimum coverage required to drive in Prince Edward Island includes Third-Party Liability, Accident Benefits, Direct Compensation – Property Damage, and Uninsured Motorist. However, there are optional coverages many drivers choose to add to their protection, such as Collision, Comprehensive, Loss of Use, Family Protection, and more.
Speak to a Westland Insurance advisor for help choosing an auto insurance policy that offers the protection you need.
Buy auto insurance in PEI with confidence
Whether you’re looking for a brand-new auto policy or are shopping ahead of your renewal, we’ll help you find the coverage you need for peace of mind. Start your PEI auto insurance quote today!
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