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Saskatchewan Car Insurance

Field in Saskatchewan

When it comes to auto insurance, Saskatchewan is unique among Canadian provinces in that there is only one provider – Saskatchewan Government Insurance (SGI). Unlike other provinces where drivers can shop around for quotes from private insurers, in Saskatchewan your only option is to get coverage through the provincial Crown corporation.

This means that SGI sets the rates and coverage options for all drivers and vehicles registered in the province. SGI provides the basic mandatory coverage that all motorists require, as well as optional add-ons you can purchase for more protection.

Having the proper car insurance coverage is crucial, as it protects you financially in the event of an at-fault accident, damage to your vehicle, injuries and more. SGI offers liability coverage in case you cause damage or injury to someone else, accident benefits for medical care and income replacement if you are hurt, and coverage for damage to your own vehicle.

While the basic SGI policy may be sufficient for some drivers, it is important to understand the optional coverages available so you can customize your protection. Common add-ons include rental reimbursement, loss of use, and increased accident benefit limits. Taking the time to understand your policy and make adjustments allows you to get the coverage you need.

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How SGI Became the Sole Provider

Prior to the creation of SGI in 1945, Saskatchewan drivers purchased automobile insurance from private insurance companies. However, during the 1940s, private insurance companies began to pull out of Saskatchewan due to the province’s challenging economic conditions.

With private insurers leaving the province, many Saskatchewan residents were left unable to obtain auto insurance. This created a major problem, as owning automobile insurance was mandatory under the province’s Highway Traffic Act.

In response to this growing crisis, the province passed the Automobile Accident Insurance Act in 1946, creating a public auto insurance system called the Saskatchewan Automobile Insurance Company. This new crown corporation held a monopoly on all aspects of auto insurance in the province.

The goal was to provide an affordable and reliable auto insurance option to all Saskatchewan drivers. By having the stability and resources of the provincial government behind it, the public auto insurer was able to operate and remain solvent even during difficult economic times.

Over the years, Saskatchewan Automobile Insurance Company underwent some minor name changes, eventually becoming Saskatchewan Government Insurance (SGI) in 1981. However, its role as the sole provider of mandatory auto insurance in the province has remained unchanged for over 75 years.

Today, SGI continues to administer Saskatchewan’s public auto insurance system through the Saskatchewan Auto Fund. This enduring crown corporation remains the only option for Saskatchewan drivers seeking to fulfill their mandatory insurance requirements under the province’s laws.

 

Understanding Your SGI Auto Policy

When you register a vehicle in Saskatchewan, you are automatically enrolled in SGI’s basic auto insurance policy. This mandatory coverage, also known as your plate coverage, provides the minimum level of protection required by law in order to drive in the province.

SGI’s basic auto policy includes the following core coverages:

 

  • Third-Party Liability – This covers claims made against you if you injure another person or damage their property in an accident. It provides up to $200,000 in coverage.
  • Accident Benefits – This provides coverage for medical expenses and income replacement if you or your passengers are injured in an accident, regardless of who was at fault. The standard limit is $190,000.
  • Uninsured Auto – This protects you if you are involved in a collision with an uninsured or unidentified motorist. It covers up to $200,000 in third-party liability claims.
  • Hit and Run – This covers damage to your vehicle caused by a hit-and-run driver when the at-fault driver cannot be identified. The standard limit is $200,000.

 

Your basic SGI policy does not include collision or comprehensive coverage, which are optional endorsements you can add on for an additional premium. This is a key difference from private auto insurance policies, which typically bundle collision, comprehensive, and third-party liability together.

Other common endorsements offered by SGI include:

 

  • Collision – Covers damage to your vehicle after a collision with another object like a vehicle, tree, or pole.
  • Comprehensive – Covers damage to your vehicle from non-collision incidents like fire, theft, vandalism, or hail.
  • Underinsured Motorist – Provides additional liability coverage if an at-fault driver’s policy limit is insufficient to cover your damages and injuries.
  • Rental vehicle coverage – Covers the cost of a rental car if your vehicle is in the shop after an accident.

 

While SGI is the sole provider of basic auto insurance in Saskatchewan, you can still customize your policy by adding endorsements to suit your specific needs. Understanding the key differences between SGI and private insurers allows you to make informed choices when insuring your vehicle.

 

Factors That Affect Your Premiums

Your SGI car insurance premiums are calculated based on a number of factors. Here are some of the key things that can affect how much you pay:

Driver profile:

Your age, driving experience, license status, and claims history play a big role in determining your rates. Drivers under 25 years old tend to pay higher premiums because they are statistically more likely to get into accidents. As you get older and gain experience behind the wheel with a clean driving record, your rates will go down.

Having a full, non-GDL license will get you lower premiums than a Graduated Driver’s License (GDL). Any accidents, traffic violations, or license suspensions will also increase your rates.

Vehicle attributes:

The make, model, age and safety features of your vehicle impact your premiums. Luxury cars, sports cars, and vehicles that are less safe or more prone to theft typically cost more to insure. Newer vehicles usually have lower rates because they tend to have better safety features and be worth more in the event of a claim.

Where you live/drive:

Your rates are affected by your postal code and where you primarily operate the vehicle. Urban areas like Saskatoon and Regina tend to have higher premiums than rural regions due to factors like increased risk of accidents, vandalism or theft. Your actual driving territory is also considered based on your reported usage.

 

Getting a Quote and Buying a Policy

Getting an insurance quote and purchasing a policy through SGI can be done either online or in person at an SGI office. Here’s an overview of both options:

 

Online

The easiest way to get a quote and buy SGI auto insurance is through their website. You can get a quote by entering your basic information like age, driving history, and vehicle details. This will generate an instant quote showing your estimated premiums. To get an official quote, you’ll need to create an account and provide more detailed information.

The benefits of getting a quote online include:

 

  • Fast, easy, and convenient – no need to visit an office
  • Access quotes 24/7
  • Adjust coverage, deductibles, etc. to see impact on premiums

 

Once you’re satisfied with your coverage options, you can purchase the policy online by making a secure payment with a credit card. You’ll need to have your driver’s license and vehicle registration documents available to upload.

 

In Person

You can also visit any SGI office in person to get a quote and purchase insurance coverage. This option allows you to speak with an agent face-to-face and get answers to any questions you may have.

To get a quote, bring the following with you to the SGI office:

 

  • Valid driver’s license
  • Vehicle registration
  • Odometer reading
  • Information on desired coverage, deductibles, etc.

 

The agent will provide you with a detailed quote based on your circumstances. When you’re ready to purchase, you can pay with cash, debit, check or money order. The minimum initial payment is 25% of your total premium.

One advantage of buying in person is you can get a multi-vehicle discount immediately if insuring more than one vehicle. Overall, visiting an office provides more personalized service but may require more time.

 

Understanding Your SGI Driver’s License

In Saskatchewan, driver’s licenses are issued by SGI through a graduated licensing program. This program ensures new drivers gain experience under supervised conditions before being granted a full, unrestricted license.

There are three stages to the graduated licensing program:

 

  • Learner’s License: You must be 16 years old, pass a knowledge test and vision screening. You can only drive when accompanied by a supervising fully licensed driver.
  • Novice 1 License: After holding a Learner’s license for at least 9 months and passing an advanced road test, you can get this intermediate license. There are restrictions on when and with whom you can drive.
  • Novice 2 License: After holding a Novice 1 license for at least 15 months with a clean driving record, you’ll graduate to this stage. There are fewer restrictions but you cannot have any alcohol in your system when driving.

 

After holding a Novice 2 license for 2 years, you can take a defensive driving course and road test to qualify for your Class 5 full, unrestricted license.

It’s critical to maintain a valid driver’s license to keep your insurance coverage. SGI will suspend your license for offenses like impaired driving, unpaid fines, or failing to pay child support. A suspended license means your insurance is also suspended, leaving you uninsured if driving. To reinstate your license, you must pay a fee and serve out any time-period suspensions.

Always renew your driver’s license before the expiry date to avoid interruptions in coverage. Check it periodically for accuracy, as any changes like your address must be updated with SGI.

 

The Claims Process with SGI

If you experience a loss or damage to your vehicle, you will need to file a claim with SGI. Here is what you can expect during the claims process:

 

How to Report a Claim

Report your claim to SGI as soon as possible. You can call them directly or report online through MySGI. Provide as much detail about the incident as you can. SGI may ask about:

 

  • The date, time, and location of the incident
  • Details about any other vehicles, property, or people involved
  • Any police reports filed
  • Contact information for any witnesses

 

Be prepared to answer questions to help the claims process go smoothly. SGI may follow up for additional details as your claim is processed.

 

Working with Adjusters

After reporting your claim, an SGI adjuster will be assigned to investigate your case. The adjuster will examine your vehicle and assess the damage. They may also visit the scene of the accident, interview witnesses, or review police reports.

Your adjuster will determine if your claim is approved and what compensation you are eligible for under your policy. Provide any helpful information to your adjuster. Be patient, as they thoroughly investigate what happened before making a decision.

 

Timelines and Requirements

SGI aims to contact all claimants within 24 hours. You will receive an initial decision on your claim within a few days. More complex claims involving injuries or investigations may take additional time.

To receive compensation, you must cooperate fully with the claims process and submit all required documents. This includes estimates, photos, witness statements, and any other details requested by your adjuster. Failure to cooperate could result in your claim being denied.

Once approved, you will receive payment, a repair approval, or arrangements to replace your vehicle according to your coverage limits. Make sure to stay in touch with your adjuster throughout your claim.

 

Disputing or Appealing a Claim

Saskatchewan Government Insurance (SGI) aims to handle every claim fairly and promptly. However, there may be times when you disagree with a claim decision made by SGI.

Here are some examples of when you may want to dispute a claims decision:

 

  • You believe the damage assessment or repair quote is too low
  • You disagree with SGI’s determination of who is at fault for an accident
  • You think your injuries or losses should qualify under accident benefits but were denied
  • You believe a claims adjuster did not properly investigate your claim

 

If you want to dispute an SGI claims decision, the first step is to contact your claims representative and discuss your concerns. Provide any additional information or evidence you have to support your case. The claims adjuster may review the claim and issue a revised decision.

If you remain unsatisfied after discussing it with the adjuster, you can formally appeal the decision. Here is the standard appeals process:

 

  1. File a written notice of dispute within 90 days of the decision, explaining why you disagree.
  2. SGI will review your dispute and issue a decision in writing within 30 days.
  3. If you still disagree, you can request an appeal with SGI’s Appeal Committee within 30 days.
  4. The Appeal Committee will hold a hearing with you and issue a written decision.
  5. As a last resort, you can appeal the committee’s decision to the Court of Queen’s Bench within 30 days.

 

It’s important to go through the proper appeals process step-by-step if you want to dispute an SGI claim decision. Keep detailed records and be prepared to justify your position. With persistence and evidence, it is possible to successfully dispute a claim. Consulting a legal professional can also help throughout the appeals process.

 

Adding Drivers to Your Policy

There may come a time when you need to add another driver to your SGI auto insurance policy. This is a common occurrence when you have young drivers in your household who become of age to drive, get married and add your spouse, or have a caregiver that will be driving your vehicle regularly. Here’s what you need to know about adding drivers to your Saskatchewan auto insurance policy:

Insuring Young Drivers

Once your teenager gets their learner’s permit and license, you’ll need to add them to your policy as an occasional or regular driver depending on how often they’ll be using your vehicle. Young drivers under 25 are considered high risk and will increase your premiums, sometimes significantly. Make sure you get a quote from SGI before adding them so you know how much it will cost. Consider putting your teen on as an occasional driver if they won’t be driving daily.

Getting Married

When you get married, you’ll need to add your new spouse to your auto policy within 30 days. SGI will need to see a copy of your marriage certificate. Your rates may go up or down depending on your spouse’s driving record and other factors that go into calculating premiums. Shopping around for the best rate with the addition of your new spouse is recommended.

Caregivers or Others Who Drive Your Vehicle

If you have a regular caregiver, family member or friend who drives your vehicle frequently, you should add them to your policy as a driver. SGI requires you to list all regular drivers of your vehicles. Even if the other person only drives your car occasionally, it’s best to get them added to avoid any issues if they were to get in an accident down the road. Their driving history and other factors will determine if they impact your rates.

 

Your Responsibilities as a Policyholder

As with any insurance policy, you have certain responsibilities as an SGI auto insurance policyholder. It’s important that you uphold these responsibilities to ensure you receive the appropriate coverage when you need to make a claim.

One key responsibility is providing accurate information to SGI. When you first apply for a policy, you will need to share details about yourself, your driving history, and your vehicle. It’s essential that you answer honestly and provide complete information. Providing false details could be considered fraud and may result in your claim being denied or your policy cancelled.

You also have an ongoing duty to notify SGI of any changes that could impact your policy. For example, you must inform them if you move addresses, change vehicles, start driving for work, receive an impaired driving conviction, or add a young driver to your policy. Promptly notifying SGI of changes allows them to adjust your premiums accordingly.

Lastly, it’s your responsibility to properly maintain your vehicle. You should keep it in safe working condition and repair any damage. If SGI finds that an accident was caused by poor maintenance, such as worn brakes or bald tires, they may not cover the claim. Always be diligent about repairs, maintenance, and addressing recalls or defects.

By upholding these key responsibilities, you can ensure your SGI coverage remains accurate and appropriate. Taking the time to provide correct details and promptly notify them of any changes demonstrates you are a responsible policyholder committed to maintaining adequate coverage.

 

No-Fault Injury Coverage

Saskatchewan uses a no-fault system for injury claims resulting from motor vehicle collisions. This means that regardless of who is at fault in an accident, you deal directly with your own insurance provider. SGI will cover you and your passengers for injuries, regardless of who caused the collision.

Here’s how no-fault coverage works in Saskatchewan:

 

  • All registered vehicle owners pay premiums to the Saskatchewan Auto Fund, which covers injury claims.
  • If you’re injured in an accident, you submit a claim to SGI, no matter who’s at fault.
  • SGI pays out your medical expenses and wage losses up to the limit of your coverage.
  • The at-fault driver’s liability isn’t taken into account.

 

This means you don’t have to go to court to settle an injury claim or wait for a settlement from the at-fault driver’s insurer. No-fault coverage gives accident victims quicker access to compensation for their injuries.

SGI provides up to $194,000 in no-fault accident benefits, covering medical and rehabilitation expenses, income replacement, funeral expenses and more.

You can also purchase additional coverage under the tort option, which allows you to sue the at-fault driver for pain and suffering. Under this option, you retain your right to take legal action.

Saskatchewan’s no-fault system is designed to make the claims process smoother for injured victims. By submitting injury claims directly to your own insurer, you avoid lengthy legal battles to receive compensation.

 

Optional Coverages to Consider

While SGI provides basic coverage, there are additional options you can add to customize your policy. These optional coverages provide extra protection beyond the basic insurance required in Saskatchewan.

 

Collision Coverage

Collision coverage pays for damage to your vehicle if you are involved in a collision, regardless of who is at fault. It covers the cost of repairs up to the market value of your vehicle. Without collision, you would have to pay these costs out-of-pocket. This coverage is highly recommended to avoid expensive repairs.

 

Comprehensive Coverage

Comprehensive coverage protects against damage from non-collision incidents including theft, vandalism, hail, fire, falling objects, explosions, earthquakes, floods, and collisions with animals. It covers the cost to repair or replace your vehicle. Comprehensive gives you peace of mind for unpredictable situations.

 

Roadside Assistance

Roadside assistance provides help if you break down or get a flat tire. It covers services like towing, battery boosting, tire changes, fuel delivery, and locksmith services. This convenient coverage takes care of you when you need it most. It’s especially useful for older vehicles prone to breakdowns.

 

Rental Reimbursement

Rental reimbursement will pay for a rental car if your vehicle is in the shop after a claim. It covers the cost so you can still get where you need to go. Rental coverage limits are usually $30-50 per day for a maximum of 30 days. It’s smart to add this if you need transportation for work or family.

Consider adding these extra coverages to give you complete protection beyond basic SGI insurance. They provide valuable benefits at an affordable premium.

 

Saving on Your Premiums

There are a few ways Saskatchewan drivers can save money on their car insurance premiums. While SGI sets base rates, you may be able to qualify for discounts and get lower rates. Here are some of the common ways to save:

 

Multi-Vehicle Discount

If you insure more than one vehicle on the same SGI policy, you can get a multi-vehicle discount. This offers around 5-15% off the premiums for additional vehicles. It’s a great way for households with two or more vehicles to save some money. The more cars you insure under one policy, the higher the discount.

 

Winter Tire Savings

Putting winter tires on your vehicle can lower your auto insurance costs. SGI provides up to a 5% discount for cars that have winter tires installed between November 1 and March 31 each year. This incentive encourages motorists to use tires suited for Saskatchewan winters and promote road safety.

 

Defensive Driving Discount

Completing an approved defensive driving course through SGI can earn you up to 15% off your insurance premiums. These courses teach skills like hazard perception, risk assessment, and crash avoidance. Safer driving means lower risk, so SGI rewards drivers who take steps to improve their skills behind the wheel.

 

Choosing Higher Deductibles

Increasing the deductible – the amount you pay out of pocket for a claim before insurance kicks in – can lower your premiums. SGI lets you choose deductibles ranging from $100 to $700 when you set up your policy. Going with a higher deductible like $500 or $700 means savings of up to 20% on your premium. Just keep in mind you’ll pay more per claim.

 

Understanding Your Rates

In Saskatchewan, auto insurance rates are determined by SGI based on a number of rating factors. Some of the key factors that impact your rates include:

 

Driving Record

Your driving record is one of the biggest factors impacting your rates. Getting tickets, at-fault accidents, and driving convictions will increase your premiums. The more infractions you have, and the more serious they are, the higher your rates will be.

 

Type of Vehicle

In general, vehicles that are more expensive to repair or replace will have higher premiums. Sports cars, luxury vehicles, and trucks tend to have higher rates than standard sedans and economy vehicles.

 

Where You Live

Urban areas like Saskatoon and Regina tend to have higher claims costs and therefore higher auto insurance rates. If you live in a rural area or smaller community, you’ll typically pay less.

 

Level of Coverage

The more coverage you purchase above the mandatory minimums, the more your premiums will be. Getting extra liability, collision, comprehensive etc. increases your rates.

 

How Your Rates Compare

Saskatchewan’s average auto insurance rates are among the lowest in Canada. At around $1,235 annually, Saskatchewan’s average premiums are below the national average of approximately $1,335 per year. Rates in neighbouring provinces like Alberta and Manitoba tend to be higher.

So in general, Saskatchewan drivers enjoy very affordable coverage thanks to SGI’s non-profit model and bulk buying power. Understanding the key rating factors allows you to make choices that may help lower your rates.

Saskatchewan Auto Insurance Questions

The average cost of car insurance in Saskatchewan is $1,235 per year, or just over $100 per month. Rates vary depending on factors like your driving record, vehicle, and coverage options. With basic auto insurance through SGI costing around $600-800 per year, additional coverage brings rates up.

Saskatchewan Government Insurance (SGI) covers all vehicles in the province. Every driver must have basic plate coverage. When you register a vehicle in this province, you just pay a flat fee for basic insurance. It includes the mandatory coverage you need to legally drive. You can add options like collision, comprehensive, specified perils etc.

Yes, Saskatchewan has a provincial auto insurance system called the Saskatchewan Auto Fund. It is run by Saskatchewan Government Insurance (SGI) and provides mandatory coverage to all drivers in the province. The Auto Fund is financially self-sustaining, operating on a break-even basis over time. It handles both driver licensing and vehicle registration.

The minimum requirement for mandatory auto insurance in Saskatchewan is:

 

– $200,000 in Third Party Liability coverage

– Basic auto damage insurance (included in the cost of your vehicle registration)

– Accident Benefits (unless Tort injury coverage is chosen)

 

This covers damage/injuries you cause to others. You can add collision, comprehensive etc. to cover your own vehicle as well.

Since Saskatchewan has public auto insurance, you get mandatory coverage by registering and licensing your vehicle with SGI. The basic plate insurance is automatically included. You can supplement this with additional “extension” coverage for collision, comprehensive etc. offered by SGI or private insurers.

Yes, Saskatchewan requires you to provide proof of valid automobile insurance anytime you renew your driver’s license or vehicle registrations. Since SGI provides mandatory coverage to all drivers, your proof of registration essentially serves as proof of basic insurance as well.

Saskatchewan Government Insurance (SGI) is the primary auto insurer in the province. It provides mandatory basic coverage through the Saskatchewan Auto Fund as well as optional extension coverage. The Auto Fund handles all driver licensing and vehicle registrations. Though you can buy additional coverage from private insurers too.

No. Compared to other provinces, Saskatchewan has relatively affordable car insurance rates. According to 2021 statistics, Saskatchewan had the 3rd lowest average premiums in Canada. Drivers pay around $1,235 per year on average. Costs ultimately depend on your driving record, vehicle, coverage options and other factors though.

To switch your car insurance to Saskatchewan:

 

  1. Cancel your existing out-of-province policy
  2. Apply for a Saskatchewan driver’s license
  3. Register your vehicle in Saskatchewan to get basic plate coverage through SGI
  4. Choose additional extension coverage as per your needs

 

The switch may qualify you for cheaper rates given Saskatchewan’s lower average premiums.

Yes, you can get a partial refund if you cancel your basic plate or extension coverage before it expires. The amount is pro-rated based on the number of full months left minus a cancellation fee. To cancel, contact an SGI broker. If a private insurer issued your policy, check with them directly.

Saskatchewan requires the following minimum auto insurance:

 

– $200,000 Third Party Liability

– Basic plate coverage for property damage (included with registration)

– Accident Benefits

 

Basic plate insurance provides coverage against claims from other people you injure or whose property you damage in an accident. Accident Benefits cover medical treatments, income replacement etc.

 

You can also purchase added coverage like collision, comprehensive, specified perils and more based on your needs.

Yes, automobile insurance is mandatory in Saskatchewan. All registered vehicle owners must carry a minimum of basic plate coverage provided by the Saskatchewan Auto Fund. This covers third party liability and some accident/property damage. Drivers can also purchase optional additional coverage.

As of 2023, here’s how much basic plate coverage costs in Saskatchewan depending on your vehicle type:

 

– Private passenger vehicles: $585

– Motorcycles: $485

– Motor homes ≤ 4,500 kg: $585

– Trailers ≤ 4,500 kg: $125

– Commercial vehicles: $1,179

 

Basic plate insurance is included automatically with your annual vehicle registration. It covers third party liability and minimum property damage.

Saskatchewan’s basic plate insurance covers:

 

– $200,000 Third Party Liability

– $500 deductible for damage to another person’s property

– Bodily injury payments up to $194,000 per person

– Short term disability benefits up to $140/week

– Death benefits of $10,000

 

It protects you if you injure others or damage their property. Your own vehicle is not covered.

While basic plate insurance meets minimum requirements, it leaves gaps in coverage. Buying additional insurance is recommended to fully protect yourself, your passengers and your vehicle. Options like collision, comprehensive and loss of use provide more complete coverage for damage to your own car.

Useful optional coverage in Saskatchewan includes:

 

– Collision – Covers damage to your car in accidents

– Comprehensive – Covers non-collision damage from theft, vandalism, weather etc.

– Loss of Use – Provides rental reimbursement if your vehicle is in the shop

– Underinsured Motorist – Protects you if the at-fault driver has low limits

 

Consider your vehicle’s value, finances and risk tolerance when choosing additions.

Top ways to save on Saskatchewan car insurance premiums:

 

– Maintain a clean driving record with no tickets or accidents

– Choose a safe, lower-cost vehicle model

– Opt for higher deductibles

– Bundle your home and auto insurance

– Ask about discounts (winter tires, CAA membership etc.)

– Compare quotes from multiple insurers

 

Being a safe driver and limiting coverage to what you need are the best ways to get cheaper rates.

Main rating factors that affect Saskatchewan car insurance premiums include:

 

– Driving and claims history

– Vehicle make, model and year

– Coverage types and deductibles

– Where you live

– How often and far you drive

– Your age and gender

– Years licensed

– Credit score

– Discounts for which you qualify

 

Insurers evaluate these details to determine your overall risk profile and set personalized rates.

The cheapest car insurance company in Saskatchewan depends on your situation, but typically direct insurers offer some of the lowest rates. Companies to compare quotes from include:

 

– SGI Canada

– Sonnet

– Belairdirect

– TD Insurance

– Onlia

– CAA

 

Make sure to evaluate coverage in addition to premiums when choosing the best value insurer for your needs. An independent broker can also shop rates from multiple companies.

 

According to 2021 statistics, the average annual car insurance premium in Saskatchewan is $1,235. So drivers pay around $100-110 per month depending on specific factors like vehicle, driving history etc. Saskatchewan has among the most affordable auto insurance rates in Canada.

Yes, Saskatchewan’s basic and extension auto insurance policies cover rental cars in most cases. Make sure to decline the Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) options offered by rental companies to avoid paying twice. Your credit card may also include rental coverage.

Yes, your Saskatchewan insurance will be valid in other Canadian provinces and territories for a limited time. This includes both the basic and SGI extension coverage. For trips over 90 days though, you normally need to get a non-resident inter-provincial auto insurance policy. Check with your insurer before travelling.

You have three options to renew Saskatchewan auto insurance:

 

  1. Auto-renewal: Pay automatically from your chequing account
  2. Online: Renew through SGI’s website
  3. In-person: Visit an SGI brokerage

 

To renew basic plate coverage, you must also complete annual vehicle registration. Added SGI extension and private policies may be renewed separately.

In Saskatchewan, vehicle registrations and the associated basic plate coverage expire on the last day of the covered month. For example, March 31, June 30, September 30 or December 31. SGI extension policies expire one year after inception. You can find exact expiry dates on your insurance documents. Renewals typically start 60 days prior.

When moving to Saskatchewan, you must switch to local insurance within 90 days. Here’s what to do:

 

  1. Obtain a Saskatchewan driver’s license
  2. Register your vehicle in SK to get basic plate coverage
  3. Cancel your out-of-province insurance
  4. Add SGI extension coverage or a private SK policy

 

You’ll need both basic and additional insurance to match Saskatchewan requirements and be fully protected. Shopping around can often score better rates.

To legally register a car in Saskatchewan, you need:

 

– Basic plate coverage (mandatory, included with registration)

– $200,000 third party liability

– Accident benefits

– Valid driver’s license

 

Basic plate insurance contains required liability and some accident benefits. You can add collision, comprehensive etc. Additionally, you must provide insurance information to complete registration.

Yes, car insurance premiums in Saskatchewan are significantly cheaper on average compared to Ontario. According to 2021 statistics:

 

– Average Saskatchewan car insurance rate: $1,235 per year

– Average Ontario car insurance rate: $1,953 per year

 

So Saskatchewan insurance costs about 37% less annually for the average driver. This makes it one of Canada’s most affordable provinces for auto insurance.



There are a few reasons why Ontario car insurance is much more expensive than Saskatchewan on average:

 

  1. Private competition – More insurers drives profits and overhead up in Ontario
  2. Serious auto accident benefits – Ontario coverage is more generous
  3. Higher risk – More vehicles, traffic, pedestrians, accidents etc.
  4. Provincial regulation differences

 

Saskatchewan’s government-run system focuses heavily on meeting mandatory minimums at low cost instead of maximizing benefits.

 

How SGI Became the Sole Provider

Prior to the creation of SGI in 1945, Saskatchewan drivers purchased automobile insurance from private insurance companies. However, during the 1940s, private insurance companies began to pull out of Saskatchewan due to the province’s challenging economic conditions.

With private insurers leaving the province, many Saskatchewan residents were left unable to obtain auto insurance. This created a major problem, as owning automobile insurance was mandatory under the province’s Highway Traffic Act.

In response to this growing crisis, the province passed the Automobile Accident Insurance Act in 1946, creating a public auto insurance system called the Saskatchewan Automobile Insurance Company. This new crown corporation held a monopoly on all aspects of auto insurance in the province.

The goal was to provide an affordable and reliable auto insurance option to all Saskatchewan drivers. By having the stability and resources of the provincial government behind it, the public auto insurer was able to operate and remain solvent even during difficult economic times.

Over the years, Saskatchewan Automobile Insurance Company underwent some minor name changes, eventually becoming Saskatchewan Government Insurance (SGI) in 1981. However, its role as the sole provider of mandatory auto insurance in the province has remained unchanged for over 75 years.

Today, SGI continues to administer Saskatchewan’s public auto insurance system through the Saskatchewan Auto Fund. This enduring crown corporation remains the only option for Saskatchewan drivers seeking to fulfill their mandatory insurance requirements under the province’s laws.

 

Understanding Your SGI Auto Policy

When you register a vehicle in Saskatchewan, you are automatically enrolled in SGI’s basic auto insurance policy. This mandatory coverage, also known as your plate coverage, provides the minimum level of protection required by law in order to drive in the province.

SGI’s basic auto policy includes the following core coverages:

 

  • Third-Party Liability – This covers claims made against you if you injure another person or damage their property in an accident. It provides up to $200,000 in coverage.
  • Accident Benefits – This provides coverage for medical expenses and income replacement if you or your passengers are injured in an accident, regardless of who was at fault. The standard limit is $190,000.
  • Uninsured Auto – This protects you if you are involved in a collision with an uninsured or unidentified motorist. It covers up to $200,000 in third-party liability claims.
  • Hit and Run – This covers damage to your vehicle caused by a hit-and-run driver when the at-fault driver cannot be identified. The standard limit is $200,000.

 

Your basic SGI policy does not include collision or comprehensive coverage, which are optional endorsements you can add on for an additional premium. This is a key difference from private auto insurance policies, which typically bundle collision, comprehensive, and third-party liability together.

Other common endorsements offered by SGI include:

 

  • Collision – Covers damage to your vehicle after a collision with another object like a vehicle, tree, or pole.
  • Comprehensive – Covers damage to your vehicle from non-collision incidents like fire, theft, vandalism, or hail.
  • Underinsured Motorist – Provides additional liability coverage if an at-fault driver’s policy limit is insufficient to cover your damages and injuries.
  • Rental vehicle coverage – Covers the cost of a rental car if your vehicle is in the shop after an accident.

 

While SGI is the sole provider of basic auto insurance in Saskatchewan, you can still customize your policy by adding endorsements to suit your specific needs. Understanding the key differences between SGI and private insurers allows you to make informed choices when insuring your vehicle.

 

Factors That Affect Your Premiums

Your SGI car insurance premiums are calculated based on a number of factors. Here are some of the key things that can affect how much you pay:

Driver profile:

Your age, driving experience, license status, and claims history play a big role in determining your rates. Drivers under 25 years old tend to pay higher premiums because they are statistically more likely to get into accidents. As you get older and gain experience behind the wheel with a clean driving record, your rates will go down.

Having a full, non-GDL license will get you lower premiums than a Graduated Driver’s License (GDL). Any accidents, traffic violations, or license suspensions will also increase your rates.

Vehicle attributes:

The make, model, age and safety features of your vehicle impact your premiums. Luxury cars, sports cars, and vehicles that are less safe or more prone to theft typically cost more to insure. Newer vehicles usually have lower rates because they tend to have better safety features and be worth more in the event of a claim.

Where you live/drive:

Your rates are affected by your postal code and where you primarily operate the vehicle. Urban areas like Saskatoon and Regina tend to have higher premiums than rural regions due to factors like increased risk of accidents, vandalism or theft. Your actual driving territory is also considered based on your reported usage.

 

Getting a Quote and Buying a Policy

Getting an insurance quote and purchasing a policy through SGI can be done either online or in person at an SGI office. Here’s an overview of both options:

 

Online

The easiest way to get a quote and buy SGI auto insurance is through their website. You can get a quote by entering your basic information like age, driving history, and vehicle details. This will generate an instant quote showing your estimated premiums. To get an official quote, you’ll need to create an account and provide more detailed information.

The benefits of getting a quote online include:

 

  • Fast, easy, and convenient – no need to visit an office
  • Access quotes 24/7
  • Adjust coverage, deductibles, etc. to see impact on premiums

 

Once you’re satisfied with your coverage options, you can purchase the policy online by making a secure payment with a credit card. You’ll need to have your driver’s license and vehicle registration documents available to upload.

 

In Person

You can also visit any SGI office in person to get a quote and purchase insurance coverage. This option allows you to speak with an agent face-to-face and get answers to any questions you may have.

To get a quote, bring the following with you to the SGI office:

 

  • Valid driver’s license
  • Vehicle registration
  • Odometer reading
  • Information on desired coverage, deductibles, etc.

 

The agent will provide you with a detailed quote based on your circumstances. When you’re ready to purchase, you can pay with cash, debit, check or money order. The minimum initial payment is 25% of your total premium.

One advantage of buying in person is you can get a multi-vehicle discount immediately if insuring more than one vehicle. Overall, visiting an office provides more personalized service but may require more time.

 

Understanding Your SGI Driver’s License

In Saskatchewan, driver’s licenses are issued by SGI through a graduated licensing program. This program ensures new drivers gain experience under supervised conditions before being granted a full, unrestricted license.

There are three stages to the graduated licensing program:

 

  • Learner’s License: You must be 16 years old, pass a knowledge test and vision screening. You can only drive when accompanied by a supervising fully licensed driver.
  • Novice 1 License: After holding a Learner’s license for at least 9 months and passing an advanced road test, you can get this intermediate license. There are restrictions on when and with whom you can drive.
  • Novice 2 License: After holding a Novice 1 license for at least 15 months with a clean driving record, you’ll graduate to this stage. There are fewer restrictions but you cannot have any alcohol in your system when driving.

 

After holding a Novice 2 license for 2 years, you can take a defensive driving course and road test to qualify for your Class 5 full, unrestricted license.

It’s critical to maintain a valid driver’s license to keep your insurance coverage. SGI will suspend your license for offenses like impaired driving, unpaid fines, or failing to pay child support. A suspended license means your insurance is also suspended, leaving you uninsured if driving. To reinstate your license, you must pay a fee and serve out any time-period suspensions.

Always renew your driver’s license before the expiry date to avoid interruptions in coverage. Check it periodically for accuracy, as any changes like your address must be updated with SGI.

 

The Claims Process with SGI

If you experience a loss or damage to your vehicle, you will need to file a claim with SGI. Here is what you can expect during the claims process:

 

How to Report a Claim

Report your claim to SGI as soon as possible. You can call them directly or report online through MySGI. Provide as much detail about the incident as you can. SGI may ask about:

 

  • The date, time, and location of the incident
  • Details about any other vehicles, property, or people involved
  • Any police reports filed
  • Contact information for any witnesses

 

Be prepared to answer questions to help the claims process go smoothly. SGI may follow up for additional details as your claim is processed.

 

Working with Adjusters

After reporting your claim, an SGI adjuster will be assigned to investigate your case. The adjuster will examine your vehicle and assess the damage. They may also visit the scene of the accident, interview witnesses, or review police reports.

Your adjuster will determine if your claim is approved and what compensation you are eligible for under your policy. Provide any helpful information to your adjuster. Be patient, as they thoroughly investigate what happened before making a decision.

 

Timelines and Requirements

SGI aims to contact all claimants within 24 hours. You will receive an initial decision on your claim within a few days. More complex claims involving injuries or investigations may take additional time.

To receive compensation, you must cooperate fully with the claims process and submit all required documents. This includes estimates, photos, witness statements, and any other details requested by your adjuster. Failure to cooperate could result in your claim being denied.

Once approved, you will receive payment, a repair approval, or arrangements to replace your vehicle according to your coverage limits. Make sure to stay in touch with your adjuster throughout your claim.

 

Disputing or Appealing a Claim

Saskatchewan Government Insurance (SGI) aims to handle every claim fairly and promptly. However, there may be times when you disagree with a claim decision made by SGI.

Here are some examples of when you may want to dispute a claims decision:

 

  • You believe the damage assessment or repair quote is too low
  • You disagree with SGI’s determination of who is at fault for an accident
  • You think your injuries or losses should qualify under accident benefits but were denied
  • You believe a claims adjuster did not properly investigate your claim

 

If you want to dispute an SGI claims decision, the first step is to contact your claims representative and discuss your concerns. Provide any additional information or evidence you have to support your case. The claims adjuster may review the claim and issue a revised decision.

If you remain unsatisfied after discussing it with the adjuster, you can formally appeal the decision. Here is the standard appeals process:

 

  1. File a written notice of dispute within 90 days of the decision, explaining why you disagree.
  2. SGI will review your dispute and issue a decision in writing within 30 days.
  3. If you still disagree, you can request an appeal with SGI’s Appeal Committee within 30 days.
  4. The Appeal Committee will hold a hearing with you and issue a written decision.
  5. As a last resort, you can appeal the committee’s decision to the Court of Queen’s Bench within 30 days.

 

It’s important to go through the proper appeals process step-by-step if you want to dispute an SGI claim decision. Keep detailed records and be prepared to justify your position. With persistence and evidence, it is possible to successfully dispute a claim. Consulting a legal professional can also help throughout the appeals process.

 

Adding Drivers to Your Policy

There may come a time when you need to add another driver to your SGI auto insurance policy. This is a common occurrence when you have young drivers in your household who become of age to drive, get married and add your spouse, or have a caregiver that will be driving your vehicle regularly. Here’s what you need to know about adding drivers to your Saskatchewan auto insurance policy:

Insuring Young Drivers

Once your teenager gets their learner’s permit and license, you’ll need to add them to your policy as an occasional or regular driver depending on how often they’ll be using your vehicle. Young drivers under 25 are considered high risk and will increase your premiums, sometimes significantly. Make sure you get a quote from SGI before adding them so you know how much it will cost. Consider putting your teen on as an occasional driver if they won’t be driving daily.

Getting Married

When you get married, you’ll need to add your new spouse to your auto policy within 30 days. SGI will need to see a copy of your marriage certificate. Your rates may go up or down depending on your spouse’s driving record and other factors that go into calculating premiums. Shopping around for the best rate with the addition of your new spouse is recommended.

Caregivers or Others Who Drive Your Vehicle

If you have a regular caregiver, family member or friend who drives your vehicle frequently, you should add them to your policy as a driver. SGI requires you to list all regular drivers of your vehicles. Even if the other person only drives your car occasionally, it’s best to get them added to avoid any issues if they were to get in an accident down the road. Their driving history and other factors will determine if they impact your rates.

 

Your Responsibilities as a Policyholder

As with any insurance policy, you have certain responsibilities as an SGI auto insurance policyholder. It’s important that you uphold these responsibilities to ensure you receive the appropriate coverage when you need to make a claim.

One key responsibility is providing accurate information to SGI. When you first apply for a policy, you will need to share details about yourself, your driving history, and your vehicle. It’s essential that you answer honestly and provide complete information. Providing false details could be considered fraud and may result in your claim being denied or your policy cancelled.

You also have an ongoing duty to notify SGI of any changes that could impact your policy. For example, you must inform them if you move addresses, change vehicles, start driving for work, receive an impaired driving conviction, or add a young driver to your policy. Promptly notifying SGI of changes allows them to adjust your premiums accordingly.

Lastly, it’s your responsibility to properly maintain your vehicle. You should keep it in safe working condition and repair any damage. If SGI finds that an accident was caused by poor maintenance, such as worn brakes or bald tires, they may not cover the claim. Always be diligent about repairs, maintenance, and addressing recalls or defects.

By upholding these key responsibilities, you can ensure your SGI coverage remains accurate and appropriate. Taking the time to provide correct details and promptly notify them of any changes demonstrates you are a responsible policyholder committed to maintaining adequate coverage.

 

No-Fault Injury Coverage

Saskatchewan uses a no-fault system for injury claims resulting from motor vehicle collisions. This means that regardless of who is at fault in an accident, you deal directly with your own insurance provider. SGI will cover you and your passengers for injuries, regardless of who caused the collision.

Here’s how no-fault coverage works in Saskatchewan:

 

  • All registered vehicle owners pay premiums to the Saskatchewan Auto Fund, which covers injury claims.
  • If you’re injured in an accident, you submit a claim to SGI, no matter who’s at fault.
  • SGI pays out your medical expenses and wage losses up to the limit of your coverage.
  • The at-fault driver’s liability isn’t taken into account.

 

This means you don’t have to go to court to settle an injury claim or wait for a settlement from the at-fault driver’s insurer. No-fault coverage gives accident victims quicker access to compensation for their injuries.

SGI provides up to $194,000 in no-fault accident benefits, covering medical and rehabilitation expenses, income replacement, funeral expenses and more.

You can also purchase additional coverage under the tort option, which allows you to sue the at-fault driver for pain and suffering. Under this option, you retain your right to take legal action.

Saskatchewan’s no-fault system is designed to make the claims process smoother for injured victims. By submitting injury claims directly to your own insurer, you avoid lengthy legal battles to receive compensation.

 

Optional Coverages to Consider

While SGI provides basic coverage, there are additional options you can add to customize your policy. These optional coverages provide extra protection beyond the basic insurance required in Saskatchewan.

 

Collision Coverage

Collision coverage pays for damage to your vehicle if you are involved in a collision, regardless of who is at fault. It covers the cost of repairs up to the market value of your vehicle. Without collision, you would have to pay these costs out-of-pocket. This coverage is highly recommended to avoid expensive repairs.

 

Comprehensive Coverage

Comprehensive coverage protects against damage from non-collision incidents including theft, vandalism, hail, fire, falling objects, explosions, earthquakes, floods, and collisions with animals. It covers the cost to repair or replace your vehicle. Comprehensive gives you peace of mind for unpredictable situations.

 

Roadside Assistance

Roadside assistance provides help if you break down or get a flat tire. It covers services like towing, battery boosting, tire changes, fuel delivery, and locksmith services. This convenient coverage takes care of you when you need it most. It’s especially useful for older vehicles prone to breakdowns.

 

Rental Reimbursement

Rental reimbursement will pay for a rental car if your vehicle is in the shop after a claim. It covers the cost so you can still get where you need to go. Rental coverage limits are usually $30-50 per day for a maximum of 30 days. It’s smart to add this if you need transportation for work or family.

Consider adding these extra coverages to give you complete protection beyond basic SGI insurance. They provide valuable benefits at an affordable premium.

 

Saving on Your Premiums

There are a few ways Saskatchewan drivers can save money on their car insurance premiums. While SGI sets base rates, you may be able to qualify for discounts and get lower rates. Here are some of the common ways to save:

 

Multi-Vehicle Discount

If you insure more than one vehicle on the same SGI policy, you can get a multi-vehicle discount. This offers around 5-15% off the premiums for additional vehicles. It’s a great way for households with two or more vehicles to save some money. The more cars you insure under one policy, the higher the discount.

 

Winter Tire Savings

Putting winter tires on your vehicle can lower your auto insurance costs. SGI provides up to a 5% discount for cars that have winter tires installed between November 1 and March 31 each year. This incentive encourages motorists to use tires suited for Saskatchewan winters and promote road safety.

 

Defensive Driving Discount

Completing an approved defensive driving course through SGI can earn you up to 15% off your insurance premiums. These courses teach skills like hazard perception, risk assessment, and crash avoidance. Safer driving means lower risk, so SGI rewards drivers who take steps to improve their skills behind the wheel.

 

Choosing Higher Deductibles

Increasing the deductible – the amount you pay out of pocket for a claim before insurance kicks in – can lower your premiums. SGI lets you choose deductibles ranging from $100 to $700 when you set up your policy. Going with a higher deductible like $500 or $700 means savings of up to 20% on your premium. Just keep in mind you’ll pay more per claim.

 

Understanding Your Rates

In Saskatchewan, auto insurance rates are determined by SGI based on a number of rating factors. Some of the key factors that impact your rates include:

 

Driving Record

Your driving record is one of the biggest factors impacting your rates. Getting tickets, at-fault accidents, and driving convictions will increase your premiums. The more infractions you have, and the more serious they are, the higher your rates will be.

 

Type of Vehicle

In general, vehicles that are more expensive to repair or replace will have higher premiums. Sports cars, luxury vehicles, and trucks tend to have higher rates than standard sedans and economy vehicles.

 

Where You Live

Urban areas like Saskatoon and Regina tend to have higher claims costs and therefore higher auto insurance rates. If you live in a rural area or smaller community, you’ll typically pay less.

 

Level of Coverage

The more coverage you purchase above the mandatory minimums, the more your premiums will be. Getting extra liability, collision, comprehensive etc. increases your rates.

 

How Your Rates Compare

Saskatchewan’s average auto insurance rates are among the lowest in Canada. At around $1,235 annually, Saskatchewan’s average premiums are below the national average of approximately $1,335 per year. Rates in neighbouring provinces like Alberta and Manitoba tend to be higher.

So in general, Saskatchewan drivers enjoy very affordable coverage thanks to SGI’s non-profit model and bulk buying power. Understanding the key rating factors allows you to make choices that may help lower your rates.

Saskatchewan Auto Insurance Questions

The average cost of car insurance in Saskatchewan is $1,235 per year, or just over $100 per month. Rates vary depending on factors like your driving record, vehicle, and coverage options. With basic auto insurance through SGI costing around $600-800 per year, additional coverage brings rates up.

Saskatchewan Government Insurance (SGI) covers all vehicles in the province. Every driver must have basic plate coverage. When you register a vehicle in this province, you just pay a flat fee for basic insurance. It includes the mandatory coverage you need to legally drive. You can add options like collision, comprehensive, specified perils etc.

Yes, Saskatchewan has a provincial auto insurance system called the Saskatchewan Auto Fund. It is run by Saskatchewan Government Insurance (SGI) and provides mandatory coverage to all drivers in the province. The Auto Fund is financially self-sustaining, operating on a break-even basis over time. It handles both driver licensing and vehicle registration.

The minimum requirement for mandatory auto insurance in Saskatchewan is:

 

– $200,000 in Third Party Liability coverage

– Basic auto damage insurance (included in the cost of your vehicle registration)

– Accident Benefits (unless Tort injury coverage is chosen)

 

This covers damage/injuries you cause to others. You can add collision, comprehensive etc. to cover your own vehicle as well.

Since Saskatchewan has public auto insurance, you get mandatory coverage by registering and licensing your vehicle with SGI. The basic plate insurance is automatically included. You can supplement this with additional “extension” coverage for collision, comprehensive etc. offered by SGI or private insurers.

Yes, Saskatchewan requires you to provide proof of valid automobile insurance anytime you renew your driver’s license or vehicle registrations. Since SGI provides mandatory coverage to all drivers, your proof of registration essentially serves as proof of basic insurance as well.

Saskatchewan Government Insurance (SGI) is the primary auto insurer in the province. It provides mandatory basic coverage through the Saskatchewan Auto Fund as well as optional extension coverage. The Auto Fund handles all driver licensing and vehicle registrations. Though you can buy additional coverage from private insurers too.

No. Compared to other provinces, Saskatchewan has relatively affordable car insurance rates. According to 2021 statistics, Saskatchewan had the 3rd lowest average premiums in Canada. Drivers pay around $1,235 per year on average. Costs ultimately depend on your driving record, vehicle, coverage options and other factors though.

To switch your car insurance to Saskatchewan:

 

  1. Cancel your existing out-of-province policy
  2. Apply for a Saskatchewan driver’s license
  3. Register your vehicle in Saskatchewan to get basic plate coverage through SGI
  4. Choose additional extension coverage as per your needs

 

The switch may qualify you for cheaper rates given Saskatchewan’s lower average premiums.

Yes, you can get a partial refund if you cancel your basic plate or extension coverage before it expires. The amount is pro-rated based on the number of full months left minus a cancellation fee. To cancel, contact an SGI broker. If a private insurer issued your policy, check with them directly.

Saskatchewan requires the following minimum auto insurance:

 

– $200,000 Third Party Liability

– Basic plate coverage for property damage (included with registration)

– Accident Benefits

 

Basic plate insurance provides coverage against claims from other people you injure or whose property you damage in an accident. Accident Benefits cover medical treatments, income replacement etc.

 

You can also purchase added coverage like collision, comprehensive, specified perils and more based on your needs.

Yes, automobile insurance is mandatory in Saskatchewan. All registered vehicle owners must carry a minimum of basic plate coverage provided by the Saskatchewan Auto Fund. This covers third party liability and some accident/property damage. Drivers can also purchase optional additional coverage.

As of 2023, here’s how much basic plate coverage costs in Saskatchewan depending on your vehicle type:

 

– Private passenger vehicles: $585

– Motorcycles: $485

– Motor homes ≤ 4,500 kg: $585

– Trailers ≤ 4,500 kg: $125

– Commercial vehicles: $1,179

 

Basic plate insurance is included automatically with your annual vehicle registration. It covers third party liability and minimum property damage.

Saskatchewan’s basic plate insurance covers:

 

– $200,000 Third Party Liability

– $500 deductible for damage to another person’s property

– Bodily injury payments up to $194,000 per person

– Short term disability benefits up to $140/week

– Death benefits of $10,000

 

It protects you if you injure others or damage their property. Your own vehicle is not covered.

While basic plate insurance meets minimum requirements, it leaves gaps in coverage. Buying additional insurance is recommended to fully protect yourself, your passengers and your vehicle. Options like collision, comprehensive and loss of use provide more complete coverage for damage to your own car.

Useful optional coverage in Saskatchewan includes:

 

– Collision – Covers damage to your car in accidents

– Comprehensive – Covers non-collision damage from theft, vandalism, weather etc.

– Loss of Use – Provides rental reimbursement if your vehicle is in the shop

– Underinsured Motorist – Protects you if the at-fault driver has low limits

 

Consider your vehicle’s value, finances and risk tolerance when choosing additions.

Top ways to save on Saskatchewan car insurance premiums:

 

– Maintain a clean driving record with no tickets or accidents

– Choose a safe, lower-cost vehicle model

– Opt for higher deductibles

– Bundle your home and auto insurance

– Ask about discounts (winter tires, CAA membership etc.)

– Compare quotes from multiple insurers

 

Being a safe driver and limiting coverage to what you need are the best ways to get cheaper rates.

Main rating factors that affect Saskatchewan car insurance premiums include:

 

– Driving and claims history

– Vehicle make, model and year

– Coverage types and deductibles

– Where you live

– How often and far you drive

– Your age and gender

– Years licensed

– Credit score

– Discounts for which you qualify

 

Insurers evaluate these details to determine your overall risk profile and set personalized rates.

The cheapest car insurance company in Saskatchewan depends on your situation, but typically direct insurers offer some of the lowest rates. Companies to compare quotes from include:

 

– SGI Canada

– Sonnet

– Belairdirect

– TD Insurance

– Onlia

– CAA

 

Make sure to evaluate coverage in addition to premiums when choosing the best value insurer for your needs. An independent broker can also shop rates from multiple companies.

 

According to 2021 statistics, the average annual car insurance premium in Saskatchewan is $1,235. So drivers pay around $100-110 per month depending on specific factors like vehicle, driving history etc. Saskatchewan has among the most affordable auto insurance rates in Canada.

Yes, Saskatchewan’s basic and extension auto insurance policies cover rental cars in most cases. Make sure to decline the Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) options offered by rental companies to avoid paying twice. Your credit card may also include rental coverage.

Yes, your Saskatchewan insurance will be valid in other Canadian provinces and territories for a limited time. This includes both the basic and SGI extension coverage. For trips over 90 days though, you normally need to get a non-resident inter-provincial auto insurance policy. Check with your insurer before travelling.

You have three options to renew Saskatchewan auto insurance:

 

  1. Auto-renewal: Pay automatically from your chequing account
  2. Online: Renew through SGI’s website
  3. In-person: Visit an SGI brokerage

 

To renew basic plate coverage, you must also complete annual vehicle registration. Added SGI extension and private policies may be renewed separately.

In Saskatchewan, vehicle registrations and the associated basic plate coverage expire on the last day of the covered month. For example, March 31, June 30, September 30 or December 31. SGI extension policies expire one year after inception. You can find exact expiry dates on your insurance documents. Renewals typically start 60 days prior.

When moving to Saskatchewan, you must switch to local insurance within 90 days. Here’s what to do:

 

  1. Obtain a Saskatchewan driver’s license
  2. Register your vehicle in SK to get basic plate coverage
  3. Cancel your out-of-province insurance
  4. Add SGI extension coverage or a private SK policy

 

You’ll need both basic and additional insurance to match Saskatchewan requirements and be fully protected. Shopping around can often score better rates.

To legally register a car in Saskatchewan, you need:

 

– Basic plate coverage (mandatory, included with registration)

– $200,000 third party liability

– Accident benefits

– Valid driver’s license

 

Basic plate insurance contains required liability and some accident benefits. You can add collision, comprehensive etc. Additionally, you must provide insurance information to complete registration.

Yes, car insurance premiums in Saskatchewan are significantly cheaper on average compared to Ontario. According to 2021 statistics:

 

– Average Saskatchewan car insurance rate: $1,235 per year

– Average Ontario car insurance rate: $1,953 per year

 

So Saskatchewan insurance costs about 37% less annually for the average driver. This makes it one of Canada’s most affordable provinces for auto insurance.



There are a few reasons why Ontario car insurance is much more expensive than Saskatchewan on average:

 

  1. Private competition – More insurers drives profits and overhead up in Ontario
  2. Serious auto accident benefits – Ontario coverage is more generous
  3. Higher risk – More vehicles, traffic, pedestrians, accidents etc.
  4. Provincial regulation differences

 

Saskatchewan’s government-run system focuses heavily on meeting mandatory minimums at low cost instead of maximizing benefits.

 

How SGI Became the Sole Provider

Prior to the creation of SGI in 1945, Saskatchewan drivers purchased automobile insurance from private insurance companies. However, during the 1940s, private insurance companies began to pull out of Saskatchewan due to the province’s challenging economic conditions.

With private insurers leaving the province, many Saskatchewan residents were left unable to obtain auto insurance. This created a major problem, as owning automobile insurance was mandatory under the province’s Highway Traffic Act.

In response to this growing crisis, the province passed the Automobile Accident Insurance Act in 1946, creating a public auto insurance system called the Saskatchewan Automobile Insurance Company. This new crown corporation held a monopoly on all aspects of auto insurance in the province.

The goal was to provide an affordable and reliable auto insurance option to all Saskatchewan drivers. By having the stability and resources of the provincial government behind it, the public auto insurer was able to operate and remain solvent even during difficult economic times.

Over the years, Saskatchewan Automobile Insurance Company underwent some minor name changes, eventually becoming Saskatchewan Government Insurance (SGI) in 1981. However, its role as the sole provider of mandatory auto insurance in the province has remained unchanged for over 75 years.

Today, SGI continues to administer Saskatchewan’s public auto insurance system through the Saskatchewan Auto Fund. This enduring crown corporation remains the only option for Saskatchewan drivers seeking to fulfill their mandatory insurance requirements under the province’s laws.

 

Understanding Your SGI Auto Policy

When you register a vehicle in Saskatchewan, you are automatically enrolled in SGI’s basic auto insurance policy. This mandatory coverage, also known as your plate coverage, provides the minimum level of protection required by law in order to drive in the province.

SGI’s basic auto policy includes the following core coverages:

 

  • Third-Party Liability – This covers claims made against you if you injure another person or damage their property in an accident. It provides up to $200,000 in coverage.
  • Accident Benefits – This provides coverage for medical expenses and income replacement if you or your passengers are injured in an accident, regardless of who was at fault. The standard limit is $190,000.
  • Uninsured Auto – This protects you if you are involved in a collision with an uninsured or unidentified motorist. It covers up to $200,000 in third-party liability claims.
  • Hit and Run – This covers damage to your vehicle caused by a hit-and-run driver when the at-fault driver cannot be identified. The standard limit is $200,000.

 

Your basic SGI policy does not include collision or comprehensive coverage, which are optional endorsements you can add on for an additional premium. This is a key difference from private auto insurance policies, which typically bundle collision, comprehensive, and third-party liability together.

Other common endorsements offered by SGI include:

 

  • Collision – Covers damage to your vehicle after a collision with another object like a vehicle, tree, or pole.
  • Comprehensive – Covers damage to your vehicle from non-collision incidents like fire, theft, vandalism, or hail.
  • Underinsured Motorist – Provides additional liability coverage if an at-fault driver’s policy limit is insufficient to cover your damages and injuries.
  • Rental vehicle coverage – Covers the cost of a rental car if your vehicle is in the shop after an accident.

 

While SGI is the sole provider of basic auto insurance in Saskatchewan, you can still customize your policy by adding endorsements to suit your specific needs. Understanding the key differences between SGI and private insurers allows you to make informed choices when insuring your vehicle.

 

Factors That Affect Your Premiums

Your SGI car insurance premiums are calculated based on a number of factors. Here are some of the key things that can affect how much you pay:

Driver profile:

Your age, driving experience, license status, and claims history play a big role in determining your rates. Drivers under 25 years old tend to pay higher premiums because they are statistically more likely to get into accidents. As you get older and gain experience behind the wheel with a clean driving record, your rates will go down.

Having a full, non-GDL license will get you lower premiums than a Graduated Driver’s License (GDL). Any accidents, traffic violations, or license suspensions will also increase your rates.

Vehicle attributes:

The make, model, age and safety features of your vehicle impact your premiums. Luxury cars, sports cars, and vehicles that are less safe or more prone to theft typically cost more to insure. Newer vehicles usually have lower rates because they tend to have better safety features and be worth more in the event of a claim.

Where you live/drive:

Your rates are affected by your postal code and where you primarily operate the vehicle. Urban areas like Saskatoon and Regina tend to have higher premiums than rural regions due to factors like increased risk of accidents, vandalism or theft. Your actual driving territory is also considered based on your reported usage.

 

Getting a Quote and Buying a Policy

Getting an insurance quote and purchasing a policy through SGI can be done either online or in person at an SGI office. Here’s an overview of both options:

 

Online

The easiest way to get a quote and buy SGI auto insurance is through their website. You can get a quote by entering your basic information like age, driving history, and vehicle details. This will generate an instant quote showing your estimated premiums. To get an official quote, you’ll need to create an account and provide more detailed information.

The benefits of getting a quote online include:

 

  • Fast, easy, and convenient – no need to visit an office
  • Access quotes 24/7
  • Adjust coverage, deductibles, etc. to see impact on premiums

 

Once you’re satisfied with your coverage options, you can purchase the policy online by making a secure payment with a credit card. You’ll need to have your driver’s license and vehicle registration documents available to upload.

 

In Person

You can also visit any SGI office in person to get a quote and purchase insurance coverage. This option allows you to speak with an agent face-to-face and get answers to any questions you may have.

To get a quote, bring the following with you to the SGI office:

 

  • Valid driver’s license
  • Vehicle registration
  • Odometer reading
  • Information on desired coverage, deductibles, etc.

 

The agent will provide you with a detailed quote based on your circumstances. When you’re ready to purchase, you can pay with cash, debit, check or money order. The minimum initial payment is 25% of your total premium.

One advantage of buying in person is you can get a multi-vehicle discount immediately if insuring more than one vehicle. Overall, visiting an office provides more personalized service but may require more time.

 

Understanding Your SGI Driver’s License

In Saskatchewan, driver’s licenses are issued by SGI through a graduated licensing program. This program ensures new drivers gain experience under supervised conditions before being granted a full, unrestricted license.

There are three stages to the graduated licensing program:

 

  • Learner’s License: You must be 16 years old, pass a knowledge test and vision screening. You can only drive when accompanied by a supervising fully licensed driver.
  • Novice 1 License: After holding a Learner’s license for at least 9 months and passing an advanced road test, you can get this intermediate license. There are restrictions on when and with whom you can drive.
  • Novice 2 License: After holding a Novice 1 license for at least 15 months with a clean driving record, you’ll graduate to this stage. There are fewer restrictions but you cannot have any alcohol in your system when driving.

 

After holding a Novice 2 license for 2 years, you can take a defensive driving course and road test to qualify for your Class 5 full, unrestricted license.

It’s critical to maintain a valid driver’s license to keep your insurance coverage. SGI will suspend your license for offenses like impaired driving, unpaid fines, or failing to pay child support. A suspended license means your insurance is also suspended, leaving you uninsured if driving. To reinstate your license, you must pay a fee and serve out any time-period suspensions.

Always renew your driver’s license before the expiry date to avoid interruptions in coverage. Check it periodically for accuracy, as any changes like your address must be updated with SGI.

 

The Claims Process with SGI

If you experience a loss or damage to your vehicle, you will need to file a claim with SGI. Here is what you can expect during the claims process:

 

How to Report a Claim

Report your claim to SGI as soon as possible. You can call them directly or report online through MySGI. Provide as much detail about the incident as you can. SGI may ask about:

 

  • The date, time, and location of the incident
  • Details about any other vehicles, property, or people involved
  • Any police reports filed
  • Contact information for any witnesses

 

Be prepared to answer questions to help the claims process go smoothly. SGI may follow up for additional details as your claim is processed.

 

Working with Adjusters

After reporting your claim, an SGI adjuster will be assigned to investigate your case. The adjuster will examine your vehicle and assess the damage. They may also visit the scene of the accident, interview witnesses, or review police reports.

Your adjuster will determine if your claim is approved and what compensation you are eligible for under your policy. Provide any helpful information to your adjuster. Be patient, as they thoroughly investigate what happened before making a decision.

 

Timelines and Requirements

SGI aims to contact all claimants within 24 hours. You will receive an initial decision on your claim within a few days. More complex claims involving injuries or investigations may take additional time.

To receive compensation, you must cooperate fully with the claims process and submit all required documents. This includes estimates, photos, witness statements, and any other details requested by your adjuster. Failure to cooperate could result in your claim being denied.

Once approved, you will receive payment, a repair approval, or arrangements to replace your vehicle according to your coverage limits. Make sure to stay in touch with your adjuster throughout your claim.

 

Disputing or Appealing a Claim

Saskatchewan Government Insurance (SGI) aims to handle every claim fairly and promptly. However, there may be times when you disagree with a claim decision made by SGI.

Here are some examples of when you may want to dispute a claims decision:

 

  • You believe the damage assessment or repair quote is too low
  • You disagree with SGI’s determination of who is at fault for an accident
  • You think your injuries or losses should qualify under accident benefits but were denied
  • You believe a claims adjuster did not properly investigate your claim

 

If you want to dispute an SGI claims decision, the first step is to contact your claims representative and discuss your concerns. Provide any additional information or evidence you have to support your case. The claims adjuster may review the claim and issue a revised decision.

If you remain unsatisfied after discussing it with the adjuster, you can formally appeal the decision. Here is the standard appeals process:

 

  1. File a written notice of dispute within 90 days of the decision, explaining why you disagree.
  2. SGI will review your dispute and issue a decision in writing within 30 days.
  3. If you still disagree, you can request an appeal with SGI’s Appeal Committee within 30 days.
  4. The Appeal Committee will hold a hearing with you and issue a written decision.
  5. As a last resort, you can appeal the committee’s decision to the Court of Queen’s Bench within 30 days.

 

It’s important to go through the proper appeals process step-by-step if you want to dispute an SGI claim decision. Keep detailed records and be prepared to justify your position. With persistence and evidence, it is possible to successfully dispute a claim. Consulting a legal professional can also help throughout the appeals process.

 

Adding Drivers to Your Policy

There may come a time when you need to add another driver to your SGI auto insurance policy. This is a common occurrence when you have young drivers in your household who become of age to drive, get married and add your spouse, or have a caregiver that will be driving your vehicle regularly. Here’s what you need to know about adding drivers to your Saskatchewan auto insurance policy:

Insuring Young Drivers

Once your teenager gets their learner’s permit and license, you’ll need to add them to your policy as an occasional or regular driver depending on how often they’ll be using your vehicle. Young drivers under 25 are considered high risk and will increase your premiums, sometimes significantly. Make sure you get a quote from SGI before adding them so you know how much it will cost. Consider putting your teen on as an occasional driver if they won’t be driving daily.

Getting Married

When you get married, you’ll need to add your new spouse to your auto policy within 30 days. SGI will need to see a copy of your marriage certificate. Your rates may go up or down depending on your spouse’s driving record and other factors that go into calculating premiums. Shopping around for the best rate with the addition of your new spouse is recommended.

Caregivers or Others Who Drive Your Vehicle

If you have a regular caregiver, family member or friend who drives your vehicle frequently, you should add them to your policy as a driver. SGI requires you to list all regular drivers of your vehicles. Even if the other person only drives your car occasionally, it’s best to get them added to avoid any issues if they were to get in an accident down the road. Their driving history and other factors will determine if they impact your rates.

 

Your Responsibilities as a Policyholder

As with any insurance policy, you have certain responsibilities as an SGI auto insurance policyholder. It’s important that you uphold these responsibilities to ensure you receive the appropriate coverage when you need to make a claim.

One key responsibility is providing accurate information to SGI. When you first apply for a policy, you will need to share details about yourself, your driving history, and your vehicle. It’s essential that you answer honestly and provide complete information. Providing false details could be considered fraud and may result in your claim being denied or your policy cancelled.

You also have an ongoing duty to notify SGI of any changes that could impact your policy. For example, you must inform them if you move addresses, change vehicles, start driving for work, receive an impaired driving conviction, or add a young driver to your policy. Promptly notifying SGI of changes allows them to adjust your premiums accordingly.

Lastly, it’s your responsibility to properly maintain your vehicle. You should keep it in safe working condition and repair any damage. If SGI finds that an accident was caused by poor maintenance, such as worn brakes or bald tires, they may not cover the claim. Always be diligent about repairs, maintenance, and addressing recalls or defects.

By upholding these key responsibilities, you can ensure your SGI coverage remains accurate and appropriate. Taking the time to provide correct details and promptly notify them of any changes demonstrates you are a responsible policyholder committed to maintaining adequate coverage.

 

No-Fault Injury Coverage

Saskatchewan uses a no-fault system for injury claims resulting from motor vehicle collisions. This means that regardless of who is at fault in an accident, you deal directly with your own insurance provider. SGI will cover you and your passengers for injuries, regardless of who caused the collision.

Here’s how no-fault coverage works in Saskatchewan:

 

  • All registered vehicle owners pay premiums to the Saskatchewan Auto Fund, which covers injury claims.
  • If you’re injured in an accident, you submit a claim to SGI, no matter who’s at fault.
  • SGI pays out your medical expenses and wage losses up to the limit of your coverage.
  • The at-fault driver’s liability isn’t taken into account.

 

This means you don’t have to go to court to settle an injury claim or wait for a settlement from the at-fault driver’s insurer. No-fault coverage gives accident victims quicker access to compensation for their injuries.

SGI provides up to $194,000 in no-fault accident benefits, covering medical and rehabilitation expenses, income replacement, funeral expenses and more.

You can also purchase additional coverage under the tort option, which allows you to sue the at-fault driver for pain and suffering. Under this option, you retain your right to take legal action.

Saskatchewan’s no-fault system is designed to make the claims process smoother for injured victims. By submitting injury claims directly to your own insurer, you avoid lengthy legal battles to receive compensation.

 

Optional Coverages to Consider

While SGI provides basic coverage, there are additional options you can add to customize your policy. These optional coverages provide extra protection beyond the basic insurance required in Saskatchewan.

 

Collision Coverage

Collision coverage pays for damage to your vehicle if you are involved in a collision, regardless of who is at fault. It covers the cost of repairs up to the market value of your vehicle. Without collision, you would have to pay these costs out-of-pocket. This coverage is highly recommended to avoid expensive repairs.

 

Comprehensive Coverage

Comprehensive coverage protects against damage from non-collision incidents including theft, vandalism, hail, fire, falling objects, explosions, earthquakes, floods, and collisions with animals. It covers the cost to repair or replace your vehicle. Comprehensive gives you peace of mind for unpredictable situations.

 

Roadside Assistance

Roadside assistance provides help if you break down or get a flat tire. It covers services like towing, battery boosting, tire changes, fuel delivery, and locksmith services. This convenient coverage takes care of you when you need it most. It’s especially useful for older vehicles prone to breakdowns.

 

Rental Reimbursement

Rental reimbursement will pay for a rental car if your vehicle is in the shop after a claim. It covers the cost so you can still get where you need to go. Rental coverage limits are usually $30-50 per day for a maximum of 30 days. It’s smart to add this if you need transportation for work or family.

Consider adding these extra coverages to give you complete protection beyond basic SGI insurance. They provide valuable benefits at an affordable premium.

 

Saving on Your Premiums

There are a few ways Saskatchewan drivers can save money on their car insurance premiums. While SGI sets base rates, you may be able to qualify for discounts and get lower rates. Here are some of the common ways to save:

 

Multi-Vehicle Discount

If you insure more than one vehicle on the same SGI policy, you can get a multi-vehicle discount. This offers around 5-15% off the premiums for additional vehicles. It’s a great way for households with two or more vehicles to save some money. The more cars you insure under one policy, the higher the discount.

 

Winter Tire Savings

Putting winter tires on your vehicle can lower your auto insurance costs. SGI provides up to a 5% discount for cars that have winter tires installed between November 1 and March 31 each year. This incentive encourages motorists to use tires suited for Saskatchewan winters and promote road safety.

 

Defensive Driving Discount

Completing an approved defensive driving course through SGI can earn you up to 15% off your insurance premiums. These courses teach skills like hazard perception, risk assessment, and crash avoidance. Safer driving means lower risk, so SGI rewards drivers who take steps to improve their skills behind the wheel.

 

Choosing Higher Deductibles

Increasing the deductible – the amount you pay out of pocket for a claim before insurance kicks in – can lower your premiums. SGI lets you choose deductibles ranging from $100 to $700 when you set up your policy. Going with a higher deductible like $500 or $700 means savings of up to 20% on your premium. Just keep in mind you’ll pay more per claim.

 

Understanding Your Rates

In Saskatchewan, auto insurance rates are determined by SGI based on a number of rating factors. Some of the key factors that impact your rates include:

 

Driving Record

Your driving record is one of the biggest factors impacting your rates. Getting tickets, at-fault accidents, and driving convictions will increase your premiums. The more infractions you have, and the more serious they are, the higher your rates will be.

 

Type of Vehicle

In general, vehicles that are more expensive to repair or replace will have higher premiums. Sports cars, luxury vehicles, and trucks tend to have higher rates than standard sedans and economy vehicles.

 

Where You Live

Urban areas like Saskatoon and Regina tend to have higher claims costs and therefore higher auto insurance rates. If you live in a rural area or smaller community, you’ll typically pay less.

 

Level of Coverage

The more coverage you purchase above the mandatory minimums, the more your premiums will be. Getting extra liability, collision, comprehensive etc. increases your rates.

 

How Your Rates Compare

Saskatchewan’s average auto insurance rates are among the lowest in Canada. At around $1,235 annually, Saskatchewan’s average premiums are below the national average of approximately $1,335 per year. Rates in neighbouring provinces like Alberta and Manitoba tend to be higher.

So in general, Saskatchewan drivers enjoy very affordable coverage thanks to SGI’s non-profit model and bulk buying power. Understanding the key rating factors allows you to make choices that may help lower your rates.

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Saskatchewan Auto Insurance Questions

The average cost of car insurance in Saskatchewan is $1,235 per year, or just over $100 per month. Rates vary depending on factors like your driving record, vehicle, and coverage options. With basic auto insurance through SGI costing around $600-800 per year, additional coverage brings rates up.

Saskatchewan Government Insurance (SGI) covers all vehicles in the province. Every driver must have basic plate coverage. When you register a vehicle in this province, you just pay a flat fee for basic insurance. It includes the mandatory coverage you need to legally drive. You can add options like collision, comprehensive, specified perils etc.

Yes, Saskatchewan has a provincial auto insurance system called the Saskatchewan Auto Fund. It is run by Saskatchewan Government Insurance (SGI) and provides mandatory coverage to all drivers in the province. The Auto Fund is financially self-sustaining, operating on a break-even basis over time. It handles both driver licensing and vehicle registration.

The minimum requirement for mandatory auto insurance in Saskatchewan is:

 

– $200,000 in Third Party Liability coverage

– Basic auto damage insurance (included in the cost of your vehicle registration)

– Accident Benefits (unless Tort injury coverage is chosen)

 

This covers damage/injuries you cause to others. You can add collision, comprehensive etc. to cover your own vehicle as well.

Since Saskatchewan has public auto insurance, you get mandatory coverage by registering and licensing your vehicle with SGI. The basic plate insurance is automatically included. You can supplement this with additional “extension” coverage for collision, comprehensive etc. offered by SGI or private insurers.

Yes, Saskatchewan requires you to provide proof of valid automobile insurance anytime you renew your driver’s license or vehicle registrations. Since SGI provides mandatory coverage to all drivers, your proof of registration essentially serves as proof of basic insurance as well.

Saskatchewan Government Insurance (SGI) is the primary auto insurer in the province. It provides mandatory basic coverage through the Saskatchewan Auto Fund as well as optional extension coverage. The Auto Fund handles all driver licensing and vehicle registrations. Though you can buy additional coverage from private insurers too.

No. Compared to other provinces, Saskatchewan has relatively affordable car insurance rates. According to 2021 statistics, Saskatchewan had the 3rd lowest average premiums in Canada. Drivers pay around $1,235 per year on average. Costs ultimately depend on your driving record, vehicle, coverage options and other factors though.

To switch your car insurance to Saskatchewan:

 

  1. Cancel your existing out-of-province policy
  2. Apply for a Saskatchewan driver’s license
  3. Register your vehicle in Saskatchewan to get basic plate coverage through SGI
  4. Choose additional extension coverage as per your needs

 

The switch may qualify you for cheaper rates given Saskatchewan’s lower average premiums.

Yes, you can get a partial refund if you cancel your basic plate or extension coverage before it expires. The amount is pro-rated based on the number of full months left minus a cancellation fee. To cancel, contact an SGI broker. If a private insurer issued your policy, check with them directly.

Saskatchewan requires the following minimum auto insurance:

 

– $200,000 Third Party Liability

– Basic plate coverage for property damage (included with registration)

– Accident Benefits

 

Basic plate insurance provides coverage against claims from other people you injure or whose property you damage in an accident. Accident Benefits cover medical treatments, income replacement etc.

 

You can also purchase added coverage like collision, comprehensive, specified perils and more based on your needs.

Yes, automobile insurance is mandatory in Saskatchewan. All registered vehicle owners must carry a minimum of basic plate coverage provided by the Saskatchewan Auto Fund. This covers third party liability and some accident/property damage. Drivers can also purchase optional additional coverage.

As of 2023, here’s how much basic plate coverage costs in Saskatchewan depending on your vehicle type:

 

– Private passenger vehicles: $585

– Motorcycles: $485

– Motor homes ≤ 4,500 kg: $585

– Trailers ≤ 4,500 kg: $125

– Commercial vehicles: $1,179

 

Basic plate insurance is included automatically with your annual vehicle registration. It covers third party liability and minimum property damage.

Saskatchewan’s basic plate insurance covers:

 

– $200,000 Third Party Liability

– $500 deductible for damage to another person’s property

– Bodily injury payments up to $194,000 per person

– Short term disability benefits up to $140/week

– Death benefits of $10,000

 

It protects you if you injure others or damage their property. Your own vehicle is not covered.

While basic plate insurance meets minimum requirements, it leaves gaps in coverage. Buying additional insurance is recommended to fully protect yourself, your passengers and your vehicle. Options like collision, comprehensive and loss of use provide more complete coverage for damage to your own car.

Useful optional coverage in Saskatchewan includes:

 

– Collision – Covers damage to your car in accidents

– Comprehensive – Covers non-collision damage from theft, vandalism, weather etc.

– Loss of Use – Provides rental reimbursement if your vehicle is in the shop

– Underinsured Motorist – Protects you if the at-fault driver has low limits

 

Consider your vehicle’s value, finances and risk tolerance when choosing additions.

Top ways to save on Saskatchewan car insurance premiums:

 

– Maintain a clean driving record with no tickets or accidents

– Choose a safe, lower-cost vehicle model

– Opt for higher deductibles

– Bundle your home and auto insurance

– Ask about discounts (winter tires, CAA membership etc.)

– Compare quotes from multiple insurers

 

Being a safe driver and limiting coverage to what you need are the best ways to get cheaper rates.

Main rating factors that affect Saskatchewan car insurance premiums include:

 

– Driving and claims history

– Vehicle make, model and year

– Coverage types and deductibles

– Where you live

– How often and far you drive

– Your age and gender

– Years licensed

– Credit score

– Discounts for which you qualify

 

Insurers evaluate these details to determine your overall risk profile and set personalized rates.

The cheapest car insurance company in Saskatchewan depends on your situation, but typically direct insurers offer some of the lowest rates. Companies to compare quotes from include:

 

– SGI Canada

– Sonnet

– Belairdirect

– TD Insurance

– Onlia

– CAA

 

Make sure to evaluate coverage in addition to premiums when choosing the best value insurer for your needs. An independent broker can also shop rates from multiple companies.

 

According to 2021 statistics, the average annual car insurance premium in Saskatchewan is $1,235. So drivers pay around $100-110 per month depending on specific factors like vehicle, driving history etc. Saskatchewan has among the most affordable auto insurance rates in Canada.

Yes, Saskatchewan’s basic and extension auto insurance policies cover rental cars in most cases. Make sure to decline the Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) options offered by rental companies to avoid paying twice. Your credit card may also include rental coverage.

Yes, your Saskatchewan insurance will be valid in other Canadian provinces and territories for a limited time. This includes both the basic and SGI extension coverage. For trips over 90 days though, you normally need to get a non-resident inter-provincial auto insurance policy. Check with your insurer before travelling.

You have three options to renew Saskatchewan auto insurance:

 

  1. Auto-renewal: Pay automatically from your chequing account
  2. Online: Renew through SGI’s website
  3. In-person: Visit an SGI brokerage

 

To renew basic plate coverage, you must also complete annual vehicle registration. Added SGI extension and private policies may be renewed separately.

In Saskatchewan, vehicle registrations and the associated basic plate coverage expire on the last day of the covered month. For example, March 31, June 30, September 30 or December 31. SGI extension policies expire one year after inception. You can find exact expiry dates on your insurance documents. Renewals typically start 60 days prior.

When moving to Saskatchewan, you must switch to local insurance within 90 days. Here’s what to do:

 

  1. Obtain a Saskatchewan driver’s license
  2. Register your vehicle in SK to get basic plate coverage
  3. Cancel your out-of-province insurance
  4. Add SGI extension coverage or a private SK policy

 

You’ll need both basic and additional insurance to match Saskatchewan requirements and be fully protected. Shopping around can often score better rates.

To legally register a car in Saskatchewan, you need:

 

– Basic plate coverage (mandatory, included with registration)

– $200,000 third party liability

– Accident benefits

– Valid driver’s license

 

Basic plate insurance contains required liability and some accident benefits. You can add collision, comprehensive etc. Additionally, you must provide insurance information to complete registration.

Yes, car insurance premiums in Saskatchewan are significantly cheaper on average compared to Ontario. According to 2021 statistics:

 

– Average Saskatchewan car insurance rate: $1,235 per year

– Average Ontario car insurance rate: $1,953 per year

 

So Saskatchewan insurance costs about 37% less annually for the average driver. This makes it one of Canada’s most affordable provinces for auto insurance.



There are a few reasons why Ontario car insurance is much more expensive than Saskatchewan on average:

 

  1. Private competition – More insurers drives profits and overhead up in Ontario
  2. Serious auto accident benefits – Ontario coverage is more generous
  3. Higher risk – More vehicles, traffic, pedestrians, accidents etc.
  4. Provincial regulation differences

 

Saskatchewan’s government-run system focuses heavily on meeting mandatory minimums at low cost instead of maximizing benefits.

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