PC Auto Insurance Review

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on July 22, 2023

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 22, 2023

Visit author page

3 minute read

Article Contents

Where Does PC Insurance Provide Car Insurance

PC (President Choice) Insurance was founded in 1996 with the company being a subsidiary of Loblaw Companies. Loblaw’s is a supermarket chain founded in 1919. Loblaw has PC Insurance as its major insurance subsidiary with it providing home, auto, travel, and business insurance.

PC offers auto insurance in select areas including:

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

Average PC Car Insurance Rates In Different Cities

Insurance rates vary from city to city, and understanding average rates is a good first step towards saving on insurance. A comparison of the same driver in different cities finds the highest insurance rates are in Brampton at $308 per month with lowest rates in Ottawa at $107 per month. Generally, PC insurance will cost in the neighborhood of $230-$291 a month in cities such as Toronto, Vaughn, Hamilton, and Mississauga

Value Found In A Standard PC Insurance Policy

PC works hard to make sure that their customers receive the coverage they need. Their standard insurance policy includes coverage that is required by law, including:

  • Liability
  • Accident Benefits
  • Uninsured Motorist Coverage

These three forms of coverage will protect you from being responsible for damages caused to others, harm to yourself or passengers, and if you are hit by an uninsured motorist or by a hit-and-run driver.

Direct Compensation Damage

Direct compensation damaged coverage is only available in Ontario where it is required by law. The coverage will cover your vehicle if you are found to be not at-fault or partially at-fault.

Optional PC Car Insurance Options

Presidents Choice offers a couple of elective insurance options, which customers can add  to  their standard policy at an additional cost. These optional forms of coverage have the advantage of covering you from risks not covered by a standard insurance policy.

Comprehensive Coverage

Comprehensive coverage protects drivers from risks other than a collision with another vehicle. They will cover drivers from such things as fire, theft, and vandalism. Comprehensive coverage will cover you if you are found at-fault or partially at-fault.

Collision And Upset

Collision coverage will cover the cost of repairing your vehicle if it was involved in a crash with another vehicle and upset coverage covers your vehicle if it was involved in a roll-over. Collision coverage covers less optional risks than comprehensive coverage,  however, it is generally cheaper than comprehensive coverage.

How PC Calculates Insurance Rates

PC offers a transparent guide to how they calculate insurance rates. They calculate rates based upon factors including:

  • Type Of Vehicle
  • Location
  • Average Miles Driven
  • Driving Record
  • Deductible Limits

Find Cheap Insurance with A PC Discount

PC bills itself as a quality insurance provider with the company offering discounts so drivers can get value out of their insurance. The combination of discounts and a high level of coverage make PC a desirable insurance provider.

Bundling Policies

Bundling home and auto insurance is a simple way to save on insurance premiums. It is possible to save up to fifteen percent with PC offering discounts for bundling multiple vehicles.

Claims-Free Discount

You can get a discount for going a period of time without a filing a claim. PC will give you a discount for not filing a claim with your old insurance provider, or for being claims free on your existing PC insurance policy

Safe Driver Discount

PC offers discounts for being a safe driver. You can get a discount for:

  • Going A Period Of Time Without A Traffic Citation
  • Having No Convictions on your Driving Record
  • Having Attended Driving School
  • Being A College Student Or Graduate
  • Graduating To A G License (While Under 25)

Safe Vehicle Discount

PC will give you a discount for driving a safe car and doing certain things to make your car safe.  You can get a discount for:

  • Using Winter Tires
  • Installing An Anti-Theft Device

Retiree Discount

Both retirees and senior citizens are eligible for a discount. PC will give you a discount on your existing policy when you retire.

Save With PC Points

PC is known for its extensive financial service operations, and you can save by using one of their credit products to pay your premiums. PC has a credit card where you can get twenty rewards points for using the card to pay your premiums. There bank card will give you ten rewards points. You can use your PC points to get cash back rewards and air miles.

Other Forms Of PC Insurance

PC is known for offering several insurance products with a focus on being a one-stop-shop for personal insurance options. They offer:

  • Home
  • Tenant
  • Commercial Auto
  • Pet Insurance

How To File A Claim With PC Insurance

PC makes it simple to file a claim through their hotline.Their agents can help you determine what information you need to submit. They will also inform you when you can expect to hear back from them, and they give an accurate estimate on how long it will take to complete the claims process.

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