Auto Insurance – Saskatchewan
Your vehicle is an extension of your life. It lets you get to where you want to go when you want to go there and is much more than just an investment. However, choosing the right auto insurance coverage can be tough. Let one of our auto specialists walk you through your options and help you choose the coverage best suited for you to make sure you’re protected out on the open road.
In Saskatchewan, there are mandatory coverages through SGI Autofund that can be purchased and any of our offices. Did you know that you can increase your coverage above and beyond the basic insurance to enhance your overall coverage while out on the road? We’ve taken the guesswork out of auto insurance in Saskatchewan and have outlined the coverages available to you. Of course, if you’d like to chat with one of our auto insurance experts, we’re here for you. Connect with us today.
Auto insurance in Saskatchewan, explained
Basic plate coverage is the mandatory coverage for all vehicles in Saskatchewan and is provided through Saskatchewan Government Insurance. It provides financial protection for the following:
- Coverage for your vehicle when it comes to physical damage
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
A basic plate will encompass mandatory coverages. We recommend increasing coverage with the optional limits to better your coverage while out on the road.
This is the most comprehensive option when it comes to covering injury due to collision. It kicks in regardless of who is at fault for the accident. Benefits of the no-fault option include:
- Medical expenses
- Rehabilitation
- Personal expenses
- Travel expenses
- Death benefits
- Living assistance
- Permanent impairment payment
This coverage requires a declaration form to be completed. It provides coverage for the most basic benefits available to help cover expenses. With tort coverage, you can sue for expenses that aren’t covered in the event of injury, as well as for pain and suffering. Coverages under tort include:
- Medical expenses
- Rehabilitation
- Income benefit
- Death benefits
- Permanent impairment payment
Another part of your plate insurance policy is third-party liability. In short, it covers you for injury or property damage you may cause, as well as vehicle damage anywhere in Canada or the United States. Saskatchewan plate insurance provides basic insurance coverage only with the minimum legal requirements for liability and basic insurance benefits.
Coverage for damage caused when your vehicle has an impact with another object such as another vehicle, building, guardrail, or roadway, and also includes a rollover of the vehicle.
Found yourself stuck in a hailstorm? Windstorm? Hit a deer? Is your vehicle stolen? Vandalized? This will cover your damages.
This combines the coverage of both collision and comprehensive. The best of both worlds.
Will the standard third-party liability limit be enough if the unexpected happens? With this option, you can increase your liability limit to ensure you’re fully covered from a liability standpoint.
Extension auto insurance provides more options to have a lower deductible if a claim is filed.
With family security coverage your family members are protected – if injured by an uninsured or underinsured driver – equal to your liability amount, up to $2 million.
On wildlife, fire, lighting, and theft of entire vehicle losses. Get a $0 deductible on these losses when you have purchased both a collision and comprehensive deductible along with third party liability on your auto policy.
If you’re unable to go back to work for a period of time, an auto policy pays an additional amount on top of the weekly income benefit covered by the basic injury insurance.
At no additional cost, an auto policy automatically provides you, your spouse and the children in your care with coverage while driving a vehicle you don’t own.
Provides payment for glass that encloses the passenger compartment of the vehicle that has been broken by an object that was thrown up or fell from another vehicle.
Provides payment to rent a vehicle if your vehicle is stolen or damaged.
Provides payment to replace your vehicle (no depreciation) if your new vehicle is a total loss caused by a coverage you are insured for.
Coverage while your vehicle is in continuous storage or is being restored.
How much is basic auto insurance in Saskatchewan?
How much you pay for personal auto insurance in Saskatchewan depends on how likely that vehicle will be in a claim and what that claim will cost.
What factors determine the cost of auto insurance in Saskatchewan?
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.
All drivers start at 0% discount on the basic insurance. As you accumulate years of incident-free driving the vehicles registered in your name, you’ll get discounts on your auto insurance in Saskatchewan.
How to save on auto insurance in Saskatchewan
The best way to save on car insurance in Saskatchewan is to consistently be a safe driver. You can optimize your car policy by reviewing it regularly with your broker to ensure you have the coverages you need – and aren’t paying for the ones you don’t. You can adjust your policy limits, change your deductible and even add or remove coverage based on your needs at the time.
Auto insurance discounts in Saskatchewan
You can receive extra discounts on your car insurance for loyalty and insuring multiple cars – be sure to ask your broker about discounts you may be eligible for.
The main way to save more on your car insurance in Saskatchewan is to maintain a positive score through the Safe Driver Recognition (SDR) program. The SDR program incentivizes safe driving by applying discounts on basic car insurance for those with a safe driving record, and issuing penalties to those with negative scores.
How does the Safe Driver Recognition program work?
There are 3 zones Saskatchewan drivers can fall into:
- Safety Zone: Get discounts on your car insurance.
- Neutral Zone: No discounts available.
- Penalty Zone: Face financial penalties for incidents.
Everyone starts off with 0 points, putting them in the Neutral Zone. Each year you drive incident free, you earn 1 point. With each point you gain comes an increased discount on your car insurance – drivers can save up to 25% through the SDR program.
Just as you can gain points, you can lose them too – for each incident you have like at-fault collisions, licence suspensions, traffic convictions, you’ll receive demerit points and move toward the Penalty Zone. For each negative point on the scale, you’ll pay $50.
Learn more about the SDR program and how safe driving habits can help you save on car insurance in Saskatchewan.
Why choose Westland for your 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 Saskatchewan to suit your lifestyle.
Our network of insurers means more choice
We have a large network of insurers that 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 it comes to finding the right auto insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of an auto insurance claim
You come out to your brand-new car after picking up groceries, someone has hit it and didn’t leave a note. You have been victim to a hit-and-run.
Your auto insurance policy will spring into action, with different parts of your policy stepping in to help:
Collision coverage
Even though it is not your fault you will still need to pay your collision deductible to the shop the does the repairs. Because you’ve chosen to have an auto policy you’ll pay the collision deductible on the policy, not the regular $700 deductible.
Loss of use
Not knowing who caused the accident means that the basic plate coverage won’t provide a replacement vehicle while yours is in the shop. Your loss of use coverage will pay for that rental up to the limit shown on the policy.
Replacement cost coverage
Having this coverage means that the shop will use brand new parts for the repairs.
Connect with us
Our expert advisors are waiting to help you find the perfect auto insurance policy.
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 Saskatchewan
At Westland Insurance, we provide comprehensive personal auto insurance solutions to drivers throughout Saskatchewan. Our local expertise and extensive network ensure that you receive personalized service and coverage that fits your needs, no matter where you are.
We proudly serve the following cities and towns in Saskatchewan:
Saskatoon
Regina
Prince Albert
Moose Jaw
Swift Current
Yorkton
North Battleford
Weyburn
Estevan
Melfort
Humboldt
Martensville
Lloydminster
Warman
Melville
Kindersley
La Ronge
Tisdale
Nipawin
Battleford
FAQs about auto insurance in Saskatchewan
Yes, you can renew your auto insurance online through your MySGI account. Alternatively, you can work with one of our advisors by visiting a branch or via email or phone to renew your insurance.
Contact Westland Insurance for auto insurance quotes in Saskatchewan. Our advisors will help you find the coverage you need at a price you’ll love.
What you find to be the best auto insurance can vary from person to person. All Saskatchewan drivers are required to have basic plate insurance provided by SGI, those looking to up their protection with auto extension coverage have several choices.
Basic plate coverage is the mandatory coverage for all vehicles in Saskatchewan and is provided through Saskatchewan Government Insurance. The registration portion gives your vehicle permission to be on the road.
The insurance portion includes:
- Coverage for your vehicle when it comes to physical damage
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
Types of auto insurance in Saskatchewan
SGI auto insurance
When you buy auto insurance in Saskatchewan, you’ll be purchasing plate insurance which is the basic mandatory coverage provided by Saskatchewan Government Insurance (SGI).
Optiom auto insurance
Optiom is a vehicle replacement program that helps your insurance on your new or used vehicle keep pace with the true cost of replacement. Optiom’s vehicle replacement can be looked at as an enhancement to your current comprehensive coverage through your primary insurer.
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 snow mobile 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.
Buy auto insurance in Saskatchewan with confidence
Whether you’re new to the province, shopping around for auto extension coverage, or need to renew your plates in Saskatchewan, our advisors are waiting to help you find the perfect solution.
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