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PC Insurance

PC® Auto insurance can find coverage for you and your vehicle in Brampton

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Although Brampton has a thriving business community, many of its residents depend on their personal vehicles to leave the city for their 9 to 5s – and that means traffic. The last thing you need is the stress from worrying if your car insurance can cover you for any unexpected scenarios that may occur.
That’s where we come in. We will shop and get you the best available car insurance rate that we can find in your area. We don’t stop there, either: our Claims department is also available 24 hours a day and 7 days a week if you’re ever involved in an accident and need help.

We’re your car insurance broker: we compare quotes to find the most affordable auto insurance rate in Brampton we can get for you

As insurance brokers, we at PC insurance serve as advisors between you and up to eight insurance companies in Brampton to provide you with a variety of rates. We don’t simply look for cheap car insurance: our team of insurance brokers takes the time to learn as much as we can about your specific situation to provide you with the very best options that are out there.

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Plus, you’re rewarded for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with a PC Financial Mastercard®, you earn 2X the regular PC Optimum points– redeemable for free groceries, fashion and more at participating stores! Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

Visit for full details and store listing.

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Which auto insurance companies work with PC insurance in Brampton?

In Brampton, PC insurance works with:

Aviva insuranceEconomical insuranceIntact insurancePafco insurancePembridge insuranceTravellers insurance

Who regulates car insurance rates in Brampton?

The Financial Services Commission of Ontario (FSCO) is responsible for licensing and regulating insurers in Brampton, and in the province of Ontario as a whole. Any changes to an insurer’s auto insurance rates must be submitted to FSCO for approval.

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How do I get a car insurance quote?

Whether you’re renewing your existing auto insurance or shopping around for a better policy, there is some information that you’ll need to get started:
- Vehicle information (make, model, year)
- Driver’s licence
- Current insurance company + policy number
- Previous tickets/driving infractions within the last 10 years
- Previously filed claims within the last 10 years
- Previous licence suspensions and insurance lapses within the last 10 years

Can I get a car insurance quote online?

Even in the digital age, shopping around for auto insurance can be difficult. Not only does it require extensive time and research, but it can also be difficult to find a credible place to compare rates.
We are more than just brokers hunting for the best rates we can find for you – our team will be happy to walk you through any claims you may need to make at any time. Get a car insurance quote online or contact us at 1-866-376-5236 toll-free to speak to one of our insurance specialists.

What types of car insurance are available in Brampton?

To legally drive a vehicle in Brampton and other parts of Ontario, there are certain mandatory coverages that your auto insurance policy must include. These are the four types of auto insurance that are required in Brampton:

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    Covers you if you are involved in an at-fault accident where the other driver files a lawsuit against you.

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    Accident benefits

    Covers anyone injured in your vehicle, including yourself, in an accident.

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    Direct compensation damage

    Covers any damage to your vehicle in an accident where you are not-at-fault or only partially at-fault as deemed by the insurance provider.

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    Uninsured automobile

    Covers you in case you're in an accident with an uninsured or hit-and-run driver

What optional insurance coverage does PC insurance usually recommend.

Collision & Upset: This type of car insurance may cover damage caused to your vehicle by impact with another car, roadside object or any damage sustained in a roll-over.

Accident Forgiveness: If you have never been found at-fault for an accident, this protection may protect you from increases to your premiums resulting from your first at-fault accident.

Family Protection: In the case of an accident with an uninsured or underinsured driver at fault, you or a member of your family may be covered.

What factors affect the cost of car insurance in Brampton?

While it’s a given that safer drivers with fewer claims get lower rates, there are many things car insurance companies consider when determining your rates:

Vehicle Type

Certain types of vehicles are cheaper to insure than others. Aside from the car’s make and year, there are also other risk factors such as its likelihood of getting stolen, safety rating and the cost to repair or replace it entirely.

Driver’s Age

Younger drivers typically pay higher insurance premiums than the older ones because they are less experienced and statistically tend to demonstrate more risky behaviours on the road.

Postal Code

Car insurers do take your location into account when they determine your rates. For one, more densely populated areas tend to bring in more claims than rural locations. So, residents of downtown Brampton may pay higher rates than those who live in the outskirts.

Vehicle Use

How you use your vehicle and how often you’re behind the wheel can have a significant effect on your auto insurance rate. Whether you use your car for daily commutes or occasional weekend drives, make sure your insurer has a full understanding of your driving habits and how often you’re behind the wheel. Consider setting up a Usage-Based Insurance (UBI) unit on your car to track where you are and how you drive. Also referred to as pay-per-mile, it’s a type of car insurance that uses on-board technology to monitor your driving habits and adjust your premiums based on how well you drive.

How can I lower my auto insurance cost?

While having car insurance is mandatory in Brampton as well as other parts of Ontario, you can control aspects of your car insurance cost. Auto insurance providers largely determine their rates based on the driver’s risk to insure – taking advantage of their incentives can help lower your rates.

Take anti-theft measures

Your area of residence and instances of crime in your neighbourhood will be taken into account. But in addition, ensuring you take proper preventative measures for car theft can help lower your insurance premiums. Consider installing a simple steering wheel lock or an advanced anti-theft system.

Winter tires

Because the Ontario government wants to make it easier for drivers to stay safe on winter roads, a number of initiatives were put in effect to encourage them to prepare for the snowy season. Drivers in Brampton and other parts of Ontario are eligible for a reduced auto insurance rate if they install winter tires on their vehicle(s) during the colder months of the year.

Install a dashboard camera

While installing a dashboard camera won’t impact your auto insurance rates, it can help you settle claims with real-time footage of accidents and help preserve your driving record and premiums.

Bundling policy discounts

Some insurers offer bundling discounts with your car insurance. In fact, you can save up to 20% on both your home and car insurance if you decide to bundle them together through PC insurance.

Driver Training Discount

If you went to driver’s ed, your professional training could get you a discount.

Conviction-free discount

Never been convicted for a driving infraction? You could qualify for a discount.

How will adding a new G1/G2 driver to my insurance affect my rates?

While it’s certainly an exciting change for you and the family, the thought of having your teenage child drive your car in the busiest intersections in Brampton can be worrying. But with PC auto insurance, you can get coverage for your child by adding them to your existing car insurance policy:


All vehicles on Brampton roads must be insured by Ontario law. G1 drivers will have to be added to an existing policy as they cannot be declared as the main driver.


Adding a G1 driver to your insurance policy may not necessarily impact your premiums. But as soon as they graduate to a G2, they will be considered “independent drivers”, which will likely cause your rates to rise.


While it’s not mandatory for one to complete a driver’s education course in Brampton, it is still highly encouraged and successful completion comes with its share of benefits, like lower premiums and reduction of wait time for a G2 test from 12 to 8 months.

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