Would you like to stop overpaying and find more competitive insurance rates in Bethel Park, PA? Are you irritated from not being able to afford to insure your vehicles every month? Your situation is no different than most other consumers in Pennsylvania.

Unthinkable but true, the vast majority of Pennsylvania insurance customers have been with the same company for at least the last four years, and practically 40% of insurance customers have never quoted insurance rates at all. With the average premium in the United States being $1,847, drivers could save 46.5% a year just by comparing rates, but they think it's difficult to compare other rate quotes.

Companies like Allstate, Liberty Mutual and State Farm persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You need to compare premium rates occasionally since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on insurance two years ago you will most likely find a better price today. Forget all the misinformation about insurance because you're about to learn the only way to properly buy coverages while reducing your premium.

Most major insurance companies such as 21st Century, Allstate and State Farm make it easy to get prices for coverage online. Doing online price comparisons is fairly straightforward because it's just a matter of typing in your coverage preferences as detailed in the form. Once you submit the form, their rating system makes automated requests for your credit score and driving record and returns a price quote based on these factors. The ability to get online rates makes it a lot easier to compare rates and it is important to get many rate quotes in order to find a lower rate.

To quickly find out what other companies charge, compare rates now from the companies shown below. If you have a policy now, it's recommended you replicate the coverages exactly as they are listed on your policy. Doing this guarantees you will have rate comparison quotes using the exact same coverages.

The car insurance companies shown below have been selected to offer free quotes in Bethel Park, PA. To get cheap auto insurance in Pennsylvania, we recommend you get rates from several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in Bethel Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $852 $426 $71
Chevrolet Silverado LS Crew Cab 4WD $1,422 $711 $119
Dodge Ram Crew Cab ST 2WD $1,236 $618 $103
Ford Escape XLT 2WD $860 $430 $72
Ford F-150 Lariat King Ranch 4WD $976 $488 $81
Ford Focus S 4-Dr Sedan $944 $472 $79
Honda Accord EX-L 2-Dr Coupe $1,050 $525 $88
Honda CR-V EX-L 2WD $1,018 $509 $85
Honda Civic Hybrid 4-Dr Sedan $1,366 $683 $114
Honda Odyssey LX $1,016 $508 $85
Hyundai Elantra Blue 4-Dr Sedan $1,030 $515 $86
Kia Optima LX $1,230 $615 $103
Nissan Altima Hybrid 4-Dr Sedan $1,190 $595 $99
Toyota Camry XLE $1,196 $598 $100
Toyota Corolla S $1,372 $686 $114
Toyota RAV4 Sport 2WD $906 $453 $76
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can revise rates considerably.

Auto insurance prices based on gender

The chart below illustrates the comparison of auto insurance rates for male and female drivers in Bethel Park. The price estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in on a Chevrolet Tahoe LTZ.

Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Are you eligible for every discount?

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but a few must be specifically requested before they will apply.Save money with discounts

As a footnote on discounts, some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, insurance companies aren't that generous. Any amount of discount should definitely cut the cost of your policy.

A list of companies and their possible discounts include:

If you need lower rates, check with all the companies which discounts you may be entitled to. Discounts might not apply in Bethel Park. If you would like to view companies that can offer you the previously mentioned discounts in Bethel Park, click here.

Why you need quality insurance for your vehicle

Even though it can be expensive, insuring your vehicle serves an important purpose.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $750 every year so compare rate quotes at every policy renewal to make sure the price is not too high.

Auto insurance claims by make and model

What vehicles have the most claims? The claim statistics below outline the good and bad makes and models for overall likelihood of filing claims.

Vehicles with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Quattroporte
Smart ForTwo Porsche Panamera GTS
Nissan Leaf Bentley Continental GTC
Volvo V60 Bentley Continental GT
Chevy Spark Audi S7
Ford F-350 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Forester Chrysler 200
Mercedes-Benz SL Class Chevrolet Sonic
Fiat 500 Kia Optima
Audi A6 Chevrolet Cruze
Chevrolet Corvette Kia Rio
Acura MDX Chevrolet Impala

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Mitsubishi Lancer
Audi A4 Allroad Nissan Versa
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark
Chevrolet Corvette Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Bently Continental GTC
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Ferrari 458
Ford Edge BMW 6 Series

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance coverage information

Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you'll find typical coverage types available from auto insurance companies.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, damage from getting keyed, vandalism and fire damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance - Liability insurance can cover damage that occurs to other's property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, structural damage, loss of income and legal defense fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

Protection from uninsured/underinsured drivers - This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (15/30/5 in Pennsylvania), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, surgery, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision - This covers damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

You can lower your insurance rates

When you buy Bethel Park car insurance online, do not reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you many ideas to shop for insurance online. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding cheap Bethel Park car insurance quotes. Consumers may even find the best rates are with an unexpected company. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm or Progressive.

More detailed insurance information is located by following these links: