Really, the only way to find cheaper prices for auto insurance rates in Pittsburgh is to start doing an annual price comparison from different companies in Pennsylvania. You can compare rates by following these guidelines.
First, read and learn about policy coverages and the things you can control to prevent expensive coverage. Many policy risk factors that cause high rates like inattentive driving and a lousy credit rating can be rectified by making minor changes to your lifestyle. This article gives additional ideas to get better rates and get bigger discounts that may have been overlooked.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide prices for many different companies.
Third, compare the new rates to your existing coverage to see if a cheaper rate is available in Pittsburgh. If you find a lower rate quote, make sure there is no lapse in coverage.
Fourth, give notification to your agent or company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new company. Once the application is submitted, safely store the certificate verifying coverage somewhere easily accessible.
One bit of advice is to use similar coverage information on each price quote and to quote with as many carriers as you can. Doing this enables a fair price comparison and the best price quote selection.
It’s amazing but nearly 70% of consumers have been with the same company for over three years, and almost half have never shopped around. The average driver in Pittsburgh can cut their rates by nearly 55% a year, but they don’t understand how simple it is to go online and compare rates.
If you have a current car insurance policy, you will surely be able to find the best rates using the following tips. The purpose of this post is to tell you how to get online quotes and some tips to save money. Nevertheless, Pennsylvania consumers can benefit from knowing the methods companies use to market insurance on the web because rates fluctuate considerably.
How to shop Toyota C-HR insurance online
It’s important to know that comparing more quotes will enable you to find a lower rate. Not every company provides Pittsburgh C-HR insurance quotes over the internet, so you need to compare price quotes from those companies as well.
The providers in the list below provide free rate quotes in Pittsburgh, PA. To find cheap car insurance in PA, we recommend you visit as many as you can to get a more complete price comparison.
Slash rates with these discounts
Insurance can cost an arm and a leg, but you may be missing some discounts to cut the cost considerably. Many discounts should be triggered when you get a quote, but a few must be manually applied in order for you to get them.
- College Student – College-age children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
- Discount for Swiching Early – Some companies reward drivers for switching policies prior to the expiration date on your current C-HR insurance policy. You could save around 10% when you buy Pittsburgh car insurance online.
- Driver Safety – Passing a safe driver course may get you a small discount and also improve your driving technique.
- Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
- Multi-Vehicle Discounts – Drivers who insure several vehicles with the same car insurance company can get a discount for every vehicle.
- Low Mileage – Driving fewer miles can qualify you for substantially lower rates.
- Full Payment Discount – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
- ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for a slight reduction on a Pittsburgh car insurance quote.
- Include Life Insurance and Save – Larger companies have a small discount if you purchase life insurance.
You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.
The best car insurance companies and a partial list of their discounts are shown below.
- Farm Bureau has savings for driver training, good student, multi-vehicle, youthful driver, multi-policy, safe driver, and renewal discount.
- Liberty Mutual offers discounts including new graduate, newly married, preferred payment discount, safety features, and new vehicle discount.
- State Farm has discounts for defensive driving training, safe vehicle, accident-free, Drive Safe & Save, and passive restraint.
- Auto-Owners Insurance discounts include anti-theft, student away at school, safe driver, multi-policy, and multiple vehicles.
- GEICO policyholders can earn discounts including federal employee, multi-policy, anti-lock brakes, anti-theft, and defensive driver.
- SAFECO may have discounts that include teen safe driver, anti-theft, anti-lock brakes, multi-car, teen safety rewards, drive less, and homeowner.
When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your state. If you would like to see a list of companies offering car insurance discounts in Pittsburgh, click here.
Local Pittsburgh insurance agents
A lot of people prefer to get professional advice from a licensed agent and that can be a great decision One of the benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and still buy from a local agent.
Once you complete this quick form, your information is emailed to local insurance agents who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent on your own since price quotes are sent to you instantly. You can find better rates and a licensed agent to work with. If you have a need to get a rate quote from one company in particular, feel free to search and find their rate quote page and complete a quote there.
Choosing an insurance company is decision based upon more than just a cheap price. Get answers to these questions too.
- Is every driver in your family covered?
- How much experience to they have in personal lines coverages?
- Is the coverage adequate for your vehicle?
- Will the quote change when the policy is issued?
- Does the company allow you to choose your own collision repair facility?
- Does the agency provide any after hours assistance?
Below is a short list of auto insurance companies in Pittsburgh who can help you get price quotes for Toyota C-HR insurance in Pittsburgh.
- MADIA INSURANCE AGENCY INC
9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200 – View Map - Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map - Spodek Insurance Agency, Inc.
4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600 – View Map - Adriana Pasquini – State Farm Insurance Agent
735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268 – View Map
When in doubt talk to an agent
When quoting and comparing adequate coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and your insurance should unique, too.
For instance, these questions could help you determine if your situation might need professional guidance.
- Does my liability insurance cover pulling a trailer or camper?
- What are the liability requirements in my state?
- Is a fancy paint job covered?
- Should I buy additional glass protection?
- Can my teen drive my company car?
- When should I remove my kid from my policy?
- Do I need rental car coverage?
- How do I insure my teen driver?
- Are all vehicle passengers covered by medical payments coverage?
If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
How to Lower Your Insurance Prices
When buying insurance it’s important to understand the rating factors that come into play when calculating the rates you pay for insurance. If you have some idea of what determines premiums, this helps enable you to make changes that may result in lower premium levels. Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but others are less apparent such as whether you are married or how financially stable you are.
Shown below are a partial list of the pieces insurance companies consider when setting rates.
- Marriage is a factor – Having a significant other may earn you lower rates on your insurance policy. Marriage translates into being more responsible and it’s proven that married drivers tend to have fewer serious accidents.
- Low mileage costs less – The more miles you rack up on your Toyota annually the more you will pay for insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars that have low annual miles can get a lower rate than vehicles that are driven to work every day. Having an incorrect usage rating on your C-HR may be costing you higher rates. It’s always a good idea to double check that your vehicle rating is showing annual mileage, because it can save money.
- Consolidate policies and save – The majority of insurance companies will give a discount to insureds that have more than one policy in the form of a multi-policy discount. Even with this discount applied, you still need to shop around to ensure the best deal. It’s possible to still find lower rates by insuring with multiple companies.
- Safer vehicles save money – Vehicles with good safety scores get lower rates. Vehicles built for safety reduce injuries and reduced instances of injuries means less money paid by your insurance company which can result in lower premiums.
- Are females or males drivers cheaper? – The statistics show that females take fewer risks when driving. However, this does not mean females are better drivers. Both genders are responsible for accidents at about the same rate, but men tend to have more serious accidents. They also get ticketed for serious violations like driving under the influence (DUI). Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
- Low comp and collision deductibles cost more – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims are a dented fender, damage caused by hail, and rolling your vehicle. Your deductibles are the amount of money you are required to spend if a covered claim is submitted. The larger the amount you’re willing to pay, the better rate you will receive.
Choosing vehicle insurance is an important decision
Even though it can be expensive, paying for insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
- Almost all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability 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.
- If you bought your Toyota with a loan, most lenders will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender will be forced to insure your Toyota for a much higher rate and force you to reimburse them for it.
- Insurance preserves your Toyota C-HR and your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Toyota as the result of the weather or an accident, your policy will cover the repair costs.
The benefits of having insurance more than offset the price you pay, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $810 a year so compare rates at every policy renewal to be sure current rates are still competitive.
Auto insurance companies ranked
Finding a good quality insurance company can be rather challenging considering how many companies sell insurance in Pittsburgh. The ranking information shown next may help you select which companies to look at comparing prices from.
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
In the end, you can save money
Cheap Toyota C-HR insurance in Pittsburgh is definitely available online as well as from independent agents in Pittsburgh, so you should compare both so you have a total pricing picture. Some insurance providers don’t offer online quoting and these regional carriers prefer to sell through independent agencies.
Throughout this article, we presented many ideas to shop for Toyota C-HR insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with a small mutual company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.
More tips and info about car insurance is located at these sites:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest in Pittsburgh, Pennsylvania? (FAQ)
- How Much is Pittsburgh Auto Insurance for a Chevrolet Silverado? (FAQ)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance Quotes for Teenage Males? (FAQ)
- What Auto Insurance is Cheapest for a School Permit in Pittsburgh? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Car Insurance FAQ (Trusted Choice)
- Learn About Car Insurance (GEICO)