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Just called PC to get insurance because their online quote was by far the cheapest, but we had a policy cancelled in 2015 due to a credit card payment not going through but it was reinstated later the same day when we sorted the problem. PC counted that as a cancellation due to nonpayment and then wanted to have us pay in full (I was happy to do so as that was the original plan) but also wanted to jack the price up by almost $400. We have never had an at-fault accident, never had a speeding ticket, no driving violations, etc, completely clean driving record and only one issue ever with payment in our history so I found the extra almost $400 they wanted to charge us to be ridiculous. So I immediately told them no and had my husband call around, we ended up going through TD, exact same history, they also had us pay in full (again, we were happy to do so as it was our original plan anyway and we understand that we're more of a risk on paper due to the payment mix up in 2015), but they didn't jack the price up and we ended up with a better policy (24/7 roadside assistance, rental vehicle covered, accident forgiveness, new vehicle replacement, etc) for a little over $300 cheaper than what PC wanted to charge us.
Avoid PC at all costs, they quote you less so you think they'll be cheaper and then they try to screw you with fees and BS extra charges.