Compare Car Insurance Quotes in Prince Edward Island

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Prince Edward Island car insurance

Nobody likes to talk about car insurance, but since it's required by law in order to operate a vehicle in Canada, Kanetix.ca strives to make purchasing an auto policy as quick and easy as possible. We know you don't want to seek out and sift through dozens of quotes just to find the best rate, so let us do the hard part for you. All you have to do is enter your information once and we'll give you quotes from multiple leading providers at the same time. To secure the best rate, all you have to do is connect with us online or on the phone. It's that simple. 

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Check out these rates we've secured for customers across Canada.

Auto insurance coverage in Prince Edward Island

Prince Edward Island operates on a no-fault system, meaning each person involved in a collision deals with his or her own policy provider regardless of who caused the incident.

In Prince Edward Island, it is mandatory for drivers to have the following minimum coverage:

  • Third party liability protects you if you cause a collision resulting in injuries or fatalities, or damages to someone else's property. Minimum required liability coverage is $200,000, but most drivers in PEI opt for $1 million.
  • Accident benefits may cover you (or anyone else entitled to this benefit under your policy) if you're involved in an accident regardless of who is at fault. This could include medical expenses, rehabilitation costs, loss of income, funeral expenses and possibly death benefits.
  • Direct compensation - Property damage covers repairs to your vehicle if you're involved in a collision in which you're not entirely at fault and at least one other driver involved is also insured in PEI. Amount payable varies depending on the extent of your involvement. (Mandatory as of October 2015).
  • Uninsured automobile coverage covers you if you're involved in a collision with an uninsured driver or unidentified vehicle (coverage does not include damages to your vehicle caused by a hit-and-run, but does include recovery damages if you're seriously injured).

There are also multiple optional coverage options available such as specified perils, which covers losses against named risks such as fire or theft, or comprehensive, which protects you against specified perils as well as damage to your vehicle caused by fire, theft and vandalism. Talk to your provider about additional coverage today.

Factors that go into determining your PEI auto insurance rate

Your premiums are based on a number of variables including:

  • Where you live
  • How long you have been insured
  • The type of vehicle you drive (model and make)
  • Your claims history
  • Your insurance provider's claims history
  • Whether you've taken a certified driver's training course
  • Your personal driving record (tickets, suspensions, fines, etc)
  • How often you drive
  • The usage of your vehicle (if you use it professionally, for example)
Tips for getting cheaper car insurance in PEI

In addition to comparing rates, drivers in Prince Edward Island can save more off their premiums if they:

  • Bundle auto and home insurance for savings of up to five to 15 per cent
  • Maintain a clean driving record
  • Install winter tires

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