Summerside Car Insurance

Peace of Mind While Driving in Summerside

As the second-largest city on Prince Edward Island, Summerside has many amenities for visitors and residents. It has a rich history in shipbuilding, goods exporting, fur trading and farming.

Today, people can experience history through museums and cultural centres while enjoying beautiful outdoor landscapes, harness racing and unique eateries. Taking a drive in Summerside can be a pleasant way to spend an afternoon, and a solid car insurance policy helps ease your mind.

Driving in Summerside

Most people who live in Summerside rely on a personal vehicle to commute to and from work. Only about 0.4% use public transportation. This statistic illustrates how important it is to protect your drive. Car insurance in Summerside, PEI, provides peace of mind while you're on the road.

Hazards Summerside Drivers May Face

PEI drivers have particular hazards to be aware of while out and about.

Snow and Ice

Winter ushers in plenty of snow for PEI residents, with an average of 290 cm annually. Heavy snow, especially before roads are cleared, can make driving slippery, and snowstorms make it hard to see, even with lights and wipers.

Ice storms are particularly hazardous. Untreated roads can turn into skating rinks; water can thaw and refreeze on salted roads, creating patches of black ice.

Wildlife

While Summerside residents are unlikely to encounter large animals in the roadway, smaller wildlife can create a hazard by darting out and startling drivers. Fortunately, car insurance in Summerside, PEI, can help pay for damage if you have an accident involving wildlife.

Distracted Drivers

No matter how careful you are behind the wheel, other drivers can be unpredictable. Texting, eating, looking away from the road or talking to passengers are common forms of distraction.

Types of Summerside Car Insurance Coverage

While the road ahead can't always promise a peril-free drive, car insurance in Summerside, PEI, can cover many risks.

Comprehensive Coverage

Not all vehicle accidents involve other cars. Comprehensive coverage pays for damage caused by acts of nature, such as hail, floods or falling tree branches. It also covers wildlife accidents, theft and vandalism.

Uninsured and Underinsured Motorist Coverage

If someone causes an accident but doesn't have enough insurance to pay for expenses, what happens? Uninsured and underinsured motorist coverage can help. It fills the gaps between what the other driver's coverage pays and your damage amount.

Collision Coverage

This type of coverage pays for damage when you collide with a vehicle or another object, such as a utility pole, fence or tree. It also covers damage if you roll your car.

Ways To Save on Car Insurance

If you're watching your budget, car insurance in Summerside, PEI, is one area where you don't want to cut corners. However, you can still take steps to save money on your policy.

Bundle Policies

Some insurers offer discounts if you purchase multiple policies, such as home and auto. Ask your insurance company if it offers reduced rates for bundling.

Choose a Higher Deductible 

You can lower your monthly premiums by electing a higher deductible. However, it also means you pay more out-of-pocket if you file a claim, so be sure to have the deductible amount on hand.

Maintain a Solid Payment History

Your insurance company may look at your credit score when setting your rate. If you pay bills on time, you can improve your score and potentially lower insurance rates.