Would you like to find low-cost Volvo V90 insurance in Pittsburgh? Feeling guilty for buying overpriced Volvo V90 insurance in Pittsburgh? It’s quite common and many Pittsburgh drivers feel the same as you.
Unbelievably, the vast majority of drivers kept their policy with the same company for well over three years, and nearly the majority have never compared rates to find cheaper insurance. Many drivers in Pennsylvania can save up to $686 each year just by shopping around, but they feel it’s too difficult to shop around. Big-name insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with advertising and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
It’s a good idea to take a look at other company’s rates yearly because rates are variable and change quite frequently. Even if you got the best rate on Volvo V90 insurance in Pittsburgh on your last policy you can probably find a lower rate today. You can search a lot of V90 insurance out there, but in this article, you’re going to get some great ideas on how to lower your auto insurance premiums.
Best companies for competitive Volvo V90 insurance in Pennsylvania
The providers in the list below can provide free quotes in Pennsylvania. If you want the best car insurance in Pittsburgh, PA, we suggest you visit as many as you can in order to get a fair rate comparison.
Get Cheap Insurance Costs by Understanding These Factors
Smart consumers have a good feel for some of the things that help determine auto insurance rates. If you understand what determines base rates, this enables informed choices that may result in lower rates. Lots of factors are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, but others are more transparent like your vehicle usage or how safe your car is.
- Employer reflects on premiums – Did you know your career choice can influence rates? Careers such as fire fighters, airline pilots, and medical professionals tend to pay higher rates than the rest of us in part from job stress and lengthy work days. Conversely, careers such as professors, athletes and the unemployed receive lower rates.
- Insurance prices and vehicle performance – The make and model of the car you need insurance for makes a substantial difference in your premium level. Small economy passenger models usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.
- Bad credit will cost you – Having a good credit rating is likely to be a major factor in calculating your premium rate. Insureds that have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit rating can be improved, you could pay less to insure your Volvo V90 if you clean up your credit.
- Does car insurance cost less for gals? – The statistics show females are less aggressive when driving. However, this does not mean females are better at driving than males. Both genders have at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also get ticketed for serious violations like driving under the influence (DUI).
- Better prices on vehicles with better crash test results – Cars with five star safety ratings cost less to insure. Safer cars reduce the chance of injuries and lower injury rates means less claims paid which can mean better rates for you. If your Volvo V90 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
- Drive less and get lower prices – The more miles you rack up on your Volvo every year the more you’ll pay to insure it. Almost all companies apply a rate partially by how you use the vehicle. Vehicles used primarily for pleasure use can be on a lower rate level than those used for commuting. Incorrect rating for your V90 can result in significantly higher rates. It’s a smart idea to ensure your policy is rated on how each vehicle is driven.
- Remove unneeded extra coverages – There are many additional coverages that can add up when buying auto insurance. Coverages for personal injury protection, accidental death, and extra life insurance coverage may not be needed and are just wasting money. They may seem good initially, but if you have no use for them think about removing them and cutting costs.
- More traffic means higher claims – Living in a small town can be a good thing when shopping for auto insurance. Less people living in that area translates into fewer accident claims and a lower car theft rate. Urban drivers regularly have much more traffic and more time behind the wheel. The longer drive time statistically corresponds to a higher accident and claim rate.
Companies offer money-saving discounts on Volvo V90 insurance in Pittsburgh
Some companies do not advertise all discounts very well, so the list below contains some of the more common as well as some of the hidden discounts you could be receiving when you buy Pittsburgh auto insurance online.
- Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
- Telematics Devices – Drivers who elect to allow driving data submission to monitor driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on medical payment and PIP coverage.
- Switch and Save Discount – A few insurance companies offer discounts for buying a policy early. It can save you around 10%.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy some life insurance too.
- Full Payment Discount – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
Consumers should know that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your overall bill.
A partial list of companies that may have most of the discounts above possibly include:
When getting a coverage quote, ask every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not apply in your area.
Don’t I need to contact an insurance agent?
A small number of people would rather have an agent’s advice and that is just fine! Professional insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing rates online is that drivers can save money and get the best rates and still choose a local agent.
After completing this short form, your insurance coverage information is transmitted to local insurance agents who will give you bids for your business. You won’t need to find an agent on your own since price quotes are sent instantly to you. If you want to get a comparison quote from a specific insurance company, just jump over to their website and give them your coverage information.
Deciding on an provider requires you to look at more than just a cheap price quote. Any agent in Pittsburgh should have no problem answering these questions:
- Will one accident increase rates?
- Do they review policy coverages at every renewal?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Is there any savings for paying the full premium?
- Can they help ensure a fair claim settlement?
- Do they see any coverage gaps in your plan?
- Can glass claims be handled at your home?
Pittsburgh auto insurance agents come in two flavors
If you want to buy insurance from local Pittsburgh agents, there are a couple of types of agencies and how they are distinctly different. Insurance agencies can either be independent (non-exclusive) or exclusive. Both provide insurance policies, but it’s important to know the difference between them since it may influence which type of agent you select.
Exclusive Agencies
Exclusive insurance agents write business for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.
Below are exclusive insurance agents in Pittsburgh who can help you get price quote information.
David Masters – State Farm Insurance Agent
1900 Murray Ave – Pittsburgh, PA 15217 – (412) 422-1616 – View Map
Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
Independent Insurance Agents
Agents of this type can sell policies from many different companies and that allows them to write policies through many companies and get the cheapest rates. If your premiums go up, your agent can switch companies which requires no work on your part. When comparing rates, you absolutely need to compare quotes from a few independent agents for the best price selection.
Listed below is a short list of independent agencies in Pittsburgh willing to provide comparison quotes.
Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map
J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map
Murray Insurance Agency
1565 McFarland Rd – Pittsburgh, PA 15216 – (412) 561-1600 – View Map
Frequent quotes can save
Throughout this article, we presented a lot of ways to shop for Volvo V90 insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may even discover the best price on car insurance is with some of the lesser-known companies. They can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.
As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
How to buy affordable Volvo V90 insurance in Pittsburgh
It takes a little time, but the best way to get cheaper Volvo V90 insurance in Pittsburgh is to compare prices once a year from insurance carriers in Pennsylvania. You can compare rates by following these steps.
- Try to understand how companies set rates and the measures you can control to prevent expensive coverage. Many risk factors that are responsible for high rates such as careless driving and your credit history can be eliminated by paying attention to minor details.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Compare the new rate quotes to the premium of your current policy to see if cheaper V90 coverage is available. If you can save some money, verify that coverage does not lapse between policies.
- Notify your company or agent of your intention to cancel your current coverage. Submit payment along with a signed and completed policy application for your new policy. As soon as coverage is bound, place the new certificate of insurance in a readily accessible location in your vehicle.
One tip to remember is to try to compare the same liability limits and deductibles on each price quote and and to look at as many auto insurance providers as possible. Doing this guarantees a level playing field and and a good selection of different prices.
Additional car insurance information can be found at the links below
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has the Cheapest Pittsburgh Car Insurance Quotes for Teenage Males? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Shopping for a Safe Car (Insurance Information Institute)