Paying low cost premium rates for car insurance is frustrating for people who are new to online insurance quotes. With such a large number of insurance companies available, it can quickly become a real difficult job to compare premium rates on car insurance.
It's shocking but the vast majority of consumers kept buying from the same company for well over three years, and just short of a majority have never compared quotes from other companies. Drivers in Pittsburgh could save up to 55% each year, but they feel it's too difficult to shop around.
Smart consumers take time to price shop coverage at least once a year since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest price on car insurance at your last renewal there may be better deals available now. Ignore everything you know about car insurance because we're going to demonstrate the best way to reduce your cost while improving coverage.
Why informed drivers pay less for insurance in Pittsburgh
Many things are used in the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, although some other factors are more transparent like your vehicle usage and annual miles driven.
Teenage drivers pay more - Drivers with little experience are known to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.
Always keep your policy in force - Not having insurance can get your license suspended and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will rates go up, not being able to provide proof of insurance may result in fines and jail time.
Which gender costs less? - Statistics have proven that men are more aggressive behind the wheel. This data doesn't prove that women are better drivers. Both sexes are in fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 generally have the highest accident percentage and are penalized with high auto insurance rates.
Obey driving laws and save - A bad driving record can have a huge impact on auto insurance premiums. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Having just one speeding ticket or other violation can increase the cost of insurance to the point where it's not affordable. Drivers unfortunate enough to have serious violations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to legally drive.
The easiest way to compare car insurance rates is to take advantage of the fact most larger insurance companies actually pay money for the chance to give rate comparisons. All you need to do is provide the companies a bit of rating information like whether or not you need a SR-22, deductibles desired, whether the vehicles are used for commuting, and the ages of drivers. Those rating factors gets transmitted to multiple car insurance providers and they return cost estimate very quickly.
To start a quote now, click here then complete the form.
The car insurance companies shown below are ready to provide comparison quotes in Pennsylvania. To buy the best car insurance in Pennsylvania, it's a good idea that you visit two to three different companies to get the cheapest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT AWD||$1,284||$642||$107|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,304||$652||$109|
|Dodge Ram Quad Cab Sport 2WD||$1,206||$603||$101|
|Ford Escape Limited 4WD||$916||$458||$76|
|Ford F-150 XLT Super Cab 2WD||$1,108||$554||$92|
|Ford Focus SES 2-Dr Coupe||$1,414||$707||$118|
|GMC Sierra Denali Crew Cab 2WD||$876||$438||$73|
|Honda Accord LX-P 4-Dr Sedan||$876||$438||$73|
|Honda CR-V EX 2WD||$720||$360||$60|
|Honda Civic SI 4-Dr Sedan||$1,108||$554||$92|
|Honda Odyssey EX||$1,016||$508||$85|
|Hyundai Elantra GLS Touring Station Wagon||$832||$416||$69|
|Kia Optima SX||$1,150||$575||$96|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,404||$702||$117|
|Nissan Rogue SL AWD||$1,414||$707||$118|
|Toyota Camry LE||$1,142||$571||$95|
|Toyota Corolla S||$1,104||$552||$92|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in garaging location in Pittsburgh which can lower or raise price quotes significantly.
Rate comparison for different deductibles
The chart below demonstrates how deductibles and can increase or decrease Honda Pilot yearly insurance costs for each age group. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Insurance savings promises
Big name companies like State Farm, GEICO and Progressive consistently run ads on television and other media. They all state the claim that drivers will save a bundle if you just switch your coverage to them. How does every insurance company give you a lower rate on insurance? Here is how they do it.
Insurance providers have a preferred profile for the driver that will most likely be profitable. For example, a preferred risk could be a mature driver, has a low-risk occupation, and drives newer vehicles. Anyone who matches those parameters is entitled to the best price and as a result will probably save money with a new company.
Potential insureds who don't meet these stringent criteria will be quoted more expensive rates which translates to the customer buying from someone else. If you listen closely, the ads state "customers that switch" not "everybody who quotes" will save that much if they switch. This is how companies can truthfully make it sound like they have such great rates. Because of these techniques, it is so important to compare price quotes frequently. Because you never know with any certainty which company will have the lowest rate quotes.
Why you need to buy insurance
Even though it can be expensive, insurance is required in Pennsylvania but it also protects you in many ways.
First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, it's guaranteed your bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is cancelled, the bank may insure your vehicle at a much higher rate and force you to reimburse them much more than you were paying before.
Third, insurance protects both your vehicle and your personal assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America is overpaying over $830 a year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.
Get cheaper car insurance with discounts
Car insurance companies don't list their entire list of discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known ways to save on car insurance.
- Accident Forgiveness - This isn't a discount exactly, but a few companies such as Allstate, Progressive, and GEICO may permit one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Home Ownership Discount - Simply owning a home can get you a discount because maintaining a house means you have a higher level of financial diligence.
- Buy New and Save - Buying a new car model can be considerably cheaper since new vehicles are generally safer.
- Telematics Data - Drivers that enable data collection to look at their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
- Theft Prevention Discount - Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Claim-Free Discount - Drivers with accident-free driving histories pay much less in comparison to drivers who are more careless.
- ABS Braking Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
A quick disclaimer, some credits don't apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy.
To find insurance companies who offer online car insurance quotes in Pittsburgh, click this link.
Auto insurance agents near you
Some consumers would rather sit down with an agent and we recommend doing that One of the best bonuses of getting online price quotes is you may find cheap auto insurance quotes and still choose a local agent.
Upon completion of this quick form, your insurance data gets sent to insurance agents in Pittsburgh who will gladly provide quotes and help you find cheaper coverage. It's much easier because you don't need to drive around because prices are sent to your email. You can find better rates without requiring a lot of work. If you want to quote rates from a particular provider, don't hesitate to jump over to their website and complete a quote there.
Deciding on an company should depend on more than just a cheap price. Ask your prospective agent these questions:
- Can they provide you with a list of referrals?
- Are they in the agency full-time?
- Can glass claims be handled at your home?
- How would your car be valued if totalled?
- Do they offer claims assistance after hours?
- Can they help ensure a fair claim settlement?
Listed below is a short list of car insurance companies in Pittsburgh that can give you price quote information.
- T.W. Butts Insurance Agency
4893 Campbells Run Rd - Pittsburgh, PA 15205 - (412) 787-7800 - View Map
- Kelly Insurance Group
700 River Ave # 433 - Pittsburgh, PA 15212 - (412) 325-1650 - View Map
- Joe Vojtas Agency - ERIE Insurance
9800B McKnight Rd #226 - Pittsburgh, PA 15237 - (412) 847-3743 - View Map
- Casto Insurance Agency
1900 Painters Run Rd - Pittsburgh, PA 15241 - (412) 257-4300 - View Map
Frequent quotes can save
As you quote Pittsburgh auto insurance, make sure you don't buy less coverage just to save a little money. In many cases, an insured cut physical damage coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
More affordable insurance in Pittsburgh is available from both online companies and also from your neighborhood Pittsburgh agents, so you need to quote Pittsburgh auto insurance with both to have the best rate selection. Some companies may not offer online quoting and these small, regional companies provide coverage only through independent agencies.
People who switch companies do it for a number of reasons such as questionable increases in premium, poor customer service, delays in responding to claim requests or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is not as difficult as it may seem.
More learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Rates for 4x4 Vehicles in Pennsylvania? (FAQ)
- What is the Best Cheap Car Insurance in York, Pennsylvania? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Pennsylvania? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Forte in Pennsylvania? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Pennsylvania? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- What is Covered by GAP Insurance? (Allstate)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)