Auto insurance in Saskatchewan – Your ultimate guide
Welcome to a clear and concise journey through the ins and outs of Saskatchewan car insurance (also called licence plate insurance). Whether you’ve just polished up and plated your brand-new ride, or you’re looking to renew the coverage on your trusty commuter, understanding the components of vehicle insurance is essential for peace of mind on the road.
What is Saskatchewan government insurance (SGI)?
Saskatchewan government insurance (SGI) is part of Saskatchewan’s compulsory auto insurance program – it operates under the guidance of the Saskatchewan government and is focused on serving the insurance needs of Saskatchewan residents.
SGI offers mandatory auto insurance for vehicle owners in Saskatchewan. This includes basic coverage like personal injury protection, liability insurance, collision and comprehensive coverage. Lower deductibles for comprehensive and collision insurance and higher liability limits are also available as auto extension coverage in the province.
What is basic plate registration coverage?
Basic plate registration coverage provided by SGI includes the mandatory insurance that comes with Saskatchewan vehicle registration. This coverage is designed to provide basic protection for vehicle owners. It includes:
Third-Party Liability insurance
- Coverage for bodily injury, property damage, or loss of income caused to others in an accident where the insured driver is at fault.
- The minimum coverage limit is $200,000, and more can be purchased with auto extension coverage.
Personal injury
- Provides benefits regardless of who is at fault in an accident.
- Covers medical expenses, rehabilitation costs, and income replacement if the insured is unable to work due to injuries sustained in an accident.
- Includes death benefits for families of those who are fatally injured.
Damage to your vehicle
- Covers damage to the insured vehicle resulting from collision and non-collision incidents such as theft, vandalism, fire, and certain natural disasters.
- Includes a deductible that the policyholder must pay out-of-pocket before insurance coverage kicks in.
Accident Benefits
- Coverage for medical and rehabilitation expenses, funeral expenses, and death benefits in case of fatal injuries.
- Income replacement benefits if the insured is unable to work due to an accident.
Basic auto insurance vs. Auto pak accident benefits
Basic plate insurance is just that – basic. It’s the minimum amount of coverage required to drive in the province, but that doesn’t mean it’s all you should have. Your SGI package policy plate insurance can be supplemented with SGI CANADA’s Auto Pak, also known as auto extension coverage. You can up your Third-Party Liability coverage from $200k to up to $5 million, opt for a lower deductible, and add coverages like Family Security. Learn more about auto extension coverage in Saskatchewan from SGI.
Why do you need auto insurance in Saskatchewan?
Let’s get started with a quick reminder of why auto insurance is an absolute must-have for any vehicle owner. While it may feel like just another expense to add on top of gas and maintenance costs, having proper coverage can save you from financial concerns in the event of a collision or theft. Auto insurance in Saskatchewan serves as your fundamental protection in case of unforeseen events. It’s more than mere compliance; it’s about coverage while on the road.
SGI, Saskatchewan’s provincial government insurance provider, makes sure every licence plate comes with a foundation of liability coverage, collision benefits, and personal injury protection. This means if you’re involved in a collision there’s a safety net ready to help take care of the essentials, whether it’s medical expenses, repairs, or recovery. Your licence plate insurance provides you with a $700 deductible for all perils and $200,000 Third Party Liability along with injury benefits if you’re hurt while in a vehicle.
Auto insurance policy: enhanced coverage and benefits
Perhaps you’re the type who leaves nothing to chance, or maybe your car is more than just a car. Regardless, there’s additional coverage at your disposal. Collision coverage safeguards against, well, collisions, whether with another vehicle or the proverbial “suddenly appeared” light pole.
Comprehensive coverage protects against fire, theft, vandalism, and yes, even those pesky hailstorms that Saskatchewan can throw at us. And for those looking for the full package, SGI CANADA Auto Pak or Sandbox’s Extended Auto Policy takes things up a notch with extra liability and lower deductibles. The other coverages an auto extension policy can offer include glass coverage, coverage for a rental vehicle during repairs, and replacement cost coverage. There are additional coverage options from the network of insurance companies that we work with to ensure you have the right coverage tailored to your lifestyle.
Be sure to ask about Optiom Replacement Coverage if you want full replacement coverage for seven years instead of five, or if you want to lock in the price on your used vehicle.
Renewing made simple with MySGI
When it’s time to renew your plate insurance or SGI CANADA policy, MySGI is an online platform for stress-free auto insurance renewal. It’s available 24/7, allowing you to renew Saskatchewan vehicle registrations, reprint registration certificates, update contact info, or cancel registrations from home. You can review the coverage set in place with your Westland Insurance advisor and renew to ensure seamless coverage. Convenient, easy, and accessible – renew with ease using MySGI.
FAQs about auto insurance in Saskatchewan
How much is car insurance per month in Saskatchewan?
How much you pay for car insurance in Saskatchewan largely depends on the type of car you drive and your driving history. Since car insurance in Saskatchewan is public and provided by SGI, there’s no option to shop around – the price you get is the price you pay.
Does Saskatchewan have provincial auto insurance?
Yes, that’s what SGI provides. Your plate insurance from SGI includes the basic coverages you need to drive in Saskatchewan. You can get your provincial auto insurance policy (also referred to as plate insurance) through independent brokerages in the province.
What coverage do I need to register a car in Saskatchewan?
You’ll need basic plate insurance, which includes $200,000 in Third Party Liability coverage, basic auto damage insurance, and Accident Benefits. Basic plate insurance it typically included in the cost of your Saskatchewan vehicle registration.
Does my Saskatchewan insurance work in other provinces?
If you meet the residency requirements, you can drive your vehicle outside the province without restriction. If you’re planning to use your vehicle outside of Saskatchewan for more than 30 days, it’s advised you let SGI know at the time or registration or renewal. Learn more about out-of-province travel and residency requirements.
Ready to get started?
Still have questions or itching to get your personalized auto insurance quote? We’re all ears and ready to chat. We’re here to help simplify the complex, guide you through your options, and find you an insurance solution that feels like home. Discover a world of auto insurance tailored for life in Saskatchewan: Get your personalized quote from Westland Insurance.
Navigating the world of auto insurance in Saskatchewan doesn’t have to be a daunting task. With the right guidance and understanding of your options you can drive with confidence knowing you’re well protected. At Westland Insurance, we’re more than just advisors; we’re your partners in ensuring that your auto insurance needs are met with expertise and care. Connect with our team to discuss questions or to get started on your auto insurance quote. Safe travels!