The words “low-priced” and “auto insurance” probably shouldn’t be used together, especially when searching for the best car insurance rates for infrequent drivers. In an attempt to save some money, let’s start the ball rolling by going over some of the factors that significantly impact insurance rates, and see if we can help you cut the cost of the next policy you buy.
Finding out which companies quote the most affordable auto insurance rates for infrequent drivers requires a little more sweat than just quoting one company’s rates. Each auto insurance company uses their own calculation to establish rates, so let’s take a look at the overall cheapest auto insurance companies in Pittsburgh, PA.
It’s important to understand that Pennsylvania auto insurance rates are calculated based on many things which can substantially decrease or increase the price you pay for coverage. Simply having a birthday, increasing deductibles, or getting into an accident can trigger price changes resulting in some companies being more affordable than the competition.
Find the Cheapest Car Insurance in Pennsylvania
General Casualty quotes some of the cheapest car insurance rates in Pittsburgh at around $718 annually. Penn National, USAA, Travelers, and Erie also rank well as some of the more affordable Pittsburgh, PA auto insurance companies.
As the rates illustrate above, if you currently have a policy with Travelers and switched to General Casualty, you could earn yearly savings of in the neighborhood of $93. Insureds with Erie may save as much as $98 a year, and Auto-Owners policyholders might reduce prices by as much as $255 a year.
To get a quick, customized rate comparison, click here to start your custom quote or quote prices from the following companies.
These policy prices are averages for all types of insureds and vehicles and do not factor in an exact zip code location for infrequent drivers. So the insurer that fits your needs best may not even be in the top 30 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
The vehicle requiring insurance is probably the largest consideration when looking for the best coverage for infrequent drivers. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models.
The next list showcases insurance premiums for some of the most affordable automobiles to insure in Pennsylvania.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,075|
|Honda Odyssey LX||$1,157|
|Hyundai Elantra GLS Touring Station Wagon||$1,205|
|GMC Sierra SLE Regular Cab 2WD||$1,245|
|Chevrolet Malibu Hybrid||$1,255|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,287|
|Honda Accord EX-L 4-Dr Sedan||$1,305|
|Toyota Camry XLE||$1,310|
|Ford Edge Limited AWD||$1,318|
|Honda CR-V EX-L 4WD||$1,319|
|Chevrolet Equinox LTZ 2WD||$1,333|
|Kia Optima LX||$1,339|
|Compare Rates Now Go|
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in Pittsburgh, PA location which can increase or decrease price quotes greatly.
Based upon the rates shown, cars like the Ford Escape, Honda Odyssey, and Toyota Prius will be some of the most economical vehicles to insure for low mileage drivers.
Choosing a high-quality company is difficult considering how many companies are available to choose from in Pittsburgh. The rank data in the next section can help you select which companies you want to consider when comparing rate quotes.
The rankings below are for the largest auto insurers in America, so companies that have a smaller presence are not taken into consideration for these rankings. If you’d like to compare prices and find cheaper insurance for infrequent drivers, just click here.
Top 10 Major Auto Insurers in Pittsburgh Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- State Farm
- Erie Insurance
Top 10 Major Auto Insurers in Pittsburgh Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
The information below shows how different deductible levels can increase or decrease annual premium costs when trying to find cheap insurance for infrequent drivers. The premiums assume a single female driver, full coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could reduce rates by $356 a year by increasing from a $100 deductible up to a $500 deductible, or save $538 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave $796 annually just by choosing larger deductibles. If you do raise deductibles, it is a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
How to find more affordable insurance for infrequent drivers
Here are many penny-pinching ideas that can help drivers buy lower-cost coverage.
- Drive a car with a high safety rating
- Drive attentively and avoid accidents
- Do not get tickets
- Don’t waste money on full coverage for older vehicles
- Increase your physical damage deductibles
- Maintaining good credit helps earn cheaper rates
- Shop around for lower rates once a year
That last piece of advice is particularly valuable, as we stressed in the article above. Auto insurance prices adjust frequently, so don’t be hesitant to buy from a different company if a cheaper rate is available.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that inflexibility results in costing you several hundred dollars every year. It only takes a couple minutes to compare prices and find cheaper car insurance for infrequent drivers in Pittsburgh.