How to Control the Cost of your Car Insurance

Car insurance is a must for Island drivers, but that doesn’t mean you should be paying more than necessary. Whether you’re commuting into Summerside, driving the back roads in rural PEI, or just using your car occasionally, there are smart ways to keep your premiums manageable while still protecting yourself.

1. Let Us Shop Around!

Not all insurance companies rate drivers the same way. By working with a PEI-based broker like us, you get access to multiple insurers and expert advice on which coverage makes the most sense for your situation.

2. Adjust Your Coverage for Your Vehicle

If you’re driving an older vehicle, it may not make sense to carry collision coverage anymore. On the flip side, liability coverage is essential—especially when you’re sharing the road during tourist season or winter driving conditions.

3. Consider a Higher Deductible

A higher deductible on Collision or Comprehensive can lower your monthly premium. Just be sure the amount you choose is something you could afford out of pocket if you ever had to make a claim.

4. Keep a Clean Driving Record

Safe driving pays. Avoiding speeding tickets, distracted driving fines, or at-fault accidents helps you qualify for better rates and claims-free discounts. You may also benefit from purchasing Accident Forgiveness. This add-on protects your record following your first claim.

5. Bundle Your Policies

If you have home, tenant, or cottage insurance, bundling them with your car policy can unlock extra savings. Many Islanders save by keeping all of their coverage with the same provider.

6. Take Advantage of Discounts

Ask about discounts for things like winter tires, anti-theft devices, or even low annual mileage if you’re not putting many kilometres on your car.

7. Review Your Coverage Regularly

Life on PEI changes—maybe you’ve switched jobs and now drive less, moved from the country into town, or added a new driver to your policy. Reviewing your policy each year ensures you’re not overpaying for coverage you don’t need.

Drive Smart. Spend Smart.

Car insurance doesn’t have to break the bank. We’re proud to help Islanders control their costs while getting the protection they deserve.

✅ Multiple insurers, one local broker
✅ Personalized advice for PEI drivers
✅ Friendly, Island-based support whenever you need it

If it’s been more than a year since you last reviewed your policy, now’s the perfect time to check in. Contact us today and let’s make sure you’re only paying for the coverage you need.