Like British Columbia and Manitoba, Sakatchewan also has public insurance. And like BC and Manitoba, Saskatchewan also has a very low customer satisfaction rating according to J.D. Power and Associates. In 2013 Saskatchewan Government Insurance or SGI rated second worst, the worst being ICBC in British Columbia and the third worst being MPI in Manitoba. Consumers in Saskatchewan have no recourse but to bear with it if they are dissatisfied with their insurance. They can’t change companies, and though they may complain, SGI has no motivation to change since they have no competition to which customers can switch if they are unhappy. Not surprisingly Saskatchewan residents pay some of the highest premiums in the country and have fewer ways to lower them compared to other provinces like Ontario and Alberta. Still to get the best rates there are a few things you can do that are under your control such as choose a car model with lower insurance, and drive carefully to avoid collisions, and so avoid increases in premiums.
However, everyone in Saskatchewan must have car insurance and must have a minimum $200,000 third-party liability coverage (see definitions on this page), as well as comprehensive coverage. Interestingly, in 2003 Saskatchewan introduced a tort system as an option to the usual no-fault style. Tort basically means the right to sue in case of an accident. Very few Saskatchewan residents have taken this option though.
Graduated Licensing in Saskatchewan
Driver’s must progress through various levels of training in Saskatchewan in order to reach the licensing of a full class 5 driver and the lowest insurance rates.
- Learner’s License: pass an vision exam, as well as study the rules of the road and pass and exam. You must be eighteen years of age or sixteen with parental consent.
- Novice 1 License: you must complete a high school driver’s ed program or complete training under the supervision of a certified instructor. For nine months after that only supervised driving is allowed. After the nine months supervised training has been cmopleted a road test must be passed.
- Novice 2 License: six months must elapse after the Novice 1 road test has been passed before a Novice 2 license will be granted. Once the six months has been successfully completed accident-free the Novice 2 license will arrive in the mail.
- Class 5 driver’s license: twelve months after receiving a Novice 2 license the successful driver will receive a Class 5 license as long as he or she has not had traffic convictions, license suspensions or at-fault accidents. Class 5 is the highest grade of license for a regular passenger car and if held without violations yields the lowest cost premiums.