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: 

Value Found in a Standard PC Car Insurance Policy

Liability Insurance

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.

Accident Benefits

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.

Uninsured Automobile Coverage

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

Direct Compensation and Property Damage Coverage

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

What kind of discounts does PC Financial Insurance 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.

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. 

How can I contact PC Financial Insurance?

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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