PC Auto Insurance Review

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PC Auto Insurance

Founded in 1996, President’s Choice (PC) Financial operates as a subsidiary of Loblaw Companies and has two main product offerings: Credit cards and insurance. Based in Toronto, Ontario, PC Financial provides Canadians with home, car, travel, and business insurance.

The PC name has established a well-known and trusted position in the consumer market and as a result, many Canadians turn to them for their car insurance. When it comes to providing a quote, PC searches nine different insurance providers in order to find the best rate. With several options available, PC is able to offer competitive rates to their customers.

Where Does PC Offer Car Insurance?

PC car insurance is available in the following provinces: 

  • Ontario
  • Alberta
  • New Brunswick
  • Nova Scotia
  • Newfoundland
  • Prince Edward Island

Value Found in a Standard PC Car Insurance Policy

Liability insurance is mandatory for all Canadian drivers. This coverage will protect you from financial burden in the event that you are responsible for personal injury or property damage. For example, liability insurance will save you from having to pay for damages out of pocket should you hit a traffic post with your vehicle or accidentally injure someone while you're driving.

In the event that you’re injured in a collision, accident benefits will cover the costs of recovery that exceed Ontario health. Regardless of who is at fault, accident benefits will protect you, your passenger, or whoever is injured.

Should personal injury or property damage be caused by an uninsured driver or a hit-and-run, uninsured automobile coverage will have you covered.

PC only offers this type of coverage in Ontario. DCPD offers financial protection if the other driver causes a collision and damages your car and its contents. In the event that you’re 50% responsible, this policy will cover 50% of the costs to repair your car.

Optional Coverage

Collision Insurance:

As the name suggests, this covers the cost of replacing or repairing your car in the event that it’s involved in a collision. Opting for collision coverage will add an additional amount to your premium.

Comprehensive insurance: 

Comprehensive insurance will protect you from the risks other than a collision that are out of your control, including fire, theft, vandalism, falling objects, and more. 

Factors That Impact PC Car Insurance Rates

The type of vehicle you drive will help determine your premium. For example, if your vehicle is more costly to repair or replace than an average one, you may receive a higher premium. Similarly, if your car is at a high risk of theft, you will likely receive a higher rate.

Your premium will vary based on where you live, including province, city, and right down to your neighbourhood. This is based on the population, traffic rates, number of claims processed in your area, and more.

PC will look at your mileage when calculating your premium. For example, someone who spends hours on the highway everyday going to and from work will have a higher rate than a driver who only uses their car to do a few local errands each week.

If you maintain a clean driving record, PC will reward you with a lower premium.

Generally speaking, the higher the deductible you choose, the lower your rate will be.

What kind of discounts does PC offer?

Bundling Discount: One of the easiest ways to save on your insurance is by bundling your home and car insurance policies. If you have multiple vehicles and bundle them together, PC allows you to save up to 15%.

Claims-Free Discount: If you go a certain period of time claims-free, you will be rewarded. Whether you never filed a claim with a previous insurance provider or with your existing PC policy, you can receive a discounted rate.

Safe Driver Discount: With PC, it pays to be a safe driver. They will consider you a safe driver for the following:

  • Being free of traffic citations for a certain period of time
  • Receiving your G license before turning 25
  • Having a clean driving record
  • College/University student or graduate
  • Completing driving school

Safe Vehicle Discount: PC will offer discounts to drivers that take extra measures to lower their risk.

  • Install winter tires
  • Install an anti-theft device 

Retiree Discount: Senior citizens and those who are retired are eligible for a discount. Upon retiring, PC will give you a discount on your existing policy.

Save With PC Points: PC offers credit products to consumers and allows the option of paying for your premium with your points. They will actually reward you with additional points if you use your PC credit card to pay for your premium. 

What kind of discounts does PC auto insurance offer?

As accidents can happen when you least expect them to, PC insurance agents are available 24/7 to help you through the claims process. When on the line with an agent, they will provide you with all of the information you need, including an accurate timeline for completing the claims process. 

You can file a claim by dialing 1 877 251 8656..

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