If saving the most money is your goal, then the best way to find affordable quotes for Volvo V60 insurance in Pittsburgh is to make a habit of regularly comparing prices from companies in Pennsylvania. Prices can be compared by following these steps.
First, learn about auto insurance and the factors you can control to prevent high rates. Many policy risk factors that result in higher prices such as multiple speeding tickets and poor credit history can be eliminated by making minor changes in your lifestyle.
Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes from many different companies. Start a quote
Third, compare the price quotes to your current policy to see if a cheaper price is available. If you find a better price, verify that coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a completed application and payment for your new coverage. When you receive it, put the certificate verifying proof of insurance somewhere easily accessible.
The key aspect of shopping around is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to get price estimates from every company you can. Doing this provides a fair rate comparison and a thorough price selection.
It’s an obvious assumption that car insurance companies want to prevent you from shopping around. People who get price quotes annually will most likely buy a new policy because of the high probability of finding a lower rate. Surprisingly, a recent survey revealed that drivers who routinely compared quotes saved over $865 a year compared to policyholders who don’t make a habit of comparing rates.
If finding the cheapest price for Volvo V60 insurance in Pittsburgh is your objective, then learning about the best way to compare insurance can save time and make the process easier.
The most recommended method to get policy rate comparisons for Volvo V60 insurance in Pittsburgh takes advantage of the fact all the major auto insurance companies have advanced systems to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including how much you drive, how your vehicles are used, your credit rating estimate, and which vehicles you own. Your rating data gets transmitted to multiple companies and you get price estimates with very little delay.
To compare rates for your Volvo V60 now, click here and find out if you can get cheaper insurance in Pittsburgh.
The following companies provide comparison quotes in Pennsylvania. In order to find cheaper car insurance in Pittsburgh, PA, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Discounts can help lower premiums on Volvo V60 insurance in Pittsburgh
Car insurance is not cheap, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited at the time of purchase, but some need to be specially asked for prior to receiving the credit.
- Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
- Defensive Driver – Taking a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
- Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance from them.
- Student Discounts – This discount may save you up to 25%. The good student discount can last until age 25.
- Anti-theft System – Cars that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
- Discounts for New Vehicles – Putting insurance coverage on a new V60 can save you some money because newer models have to meet stringent safety requirements.
- Anti-lock Brakes – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
Keep in mind that most discounts do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you aren’t that lucky.
To see a list of companies that offer the discounts shown above in Pittsburgh, click here.
Buying from car insurance agents
Certain consumers just prefer to get advice from a local agent and that is recommended in a lot of cases The best thing about comparing rate quotes online is you can get better rates and still choose a local agent. Buying insurance from local insurance agents is important particularly in Pittsburgh.
After completing this simple form, your information is instantly submitted to companies in Pittsburgh who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent to you instantly. You can find lower rates AND a local agent. If for some reason you want to get a rate quote from a specific insurance company, just jump over to their website and complete a quote there.
Choose an insurance agent wisely
When researching a local Pittsburgh insurance agency, it helps to know the two different agency structures to choose from. Car insurance policy providers can either be independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel do not sell for just one brand so they can insure your vehicles with multiple insurance companies and find you cheaper rates. If they find a cheaper price, your agent can just switch to a different company which is easy for the insured.
When comparing car insurance rates, you need to contact several independent agencies to ensure the widest selection of prices. Most can insure with small mutual carriers that many times have cheaper rates.
Featured below are Pittsburgh independent insurance agencies that can possibly get you free price quotes.
- McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470 – View Map
- Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map
- J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map
Exclusive Insurance Agents
These type of agents can usually just insure with one company like State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are trained well on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years mostly because of the prominence of the brand and solid financial strength.
The following are exclusive insurance agents in Pittsburgh willing to provide price quote information.
- Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166 – View Map
- Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map
Choosing the best insurance agent shouldn’t rely on just the quoted price. Agents should be asked these questions:
- Are claims handled at the agent’s location?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are they giving you every discount you deserve?
- Are they in the agency full-time?
- Will they take your side in the event of a claim?
- Does the company allow you to choose your own collision repair facility?
After getting good answers to any questions you have and an affordable coverage quote, chances are good that you have found an insurance agent that can be relied on to provide car insurance coverage.
Informed Decisions Result in Lower Insurance Rates
Many factors are considered when premium rates are determined. Some factors are common sense such as your driving record, but some are less apparent like your continuous coverage or how safe your car is.
Listed below are some of the major factors utilized by car insurance companies to help set prices.
- City dwellers may pay more – Being located in a small town can be a good thing when it comes to car insurance. Lower population translates into fewer accident claims and lower theft and vandalism rates. Residents of big cities tend to have more auto accidents and longer commute times. Spending more time driving can result in more accidents.
- Marriage is a bonus – Having a wife or husband helps lower the price on your policy. Having a significant other demonstrates that you tend to be more mature and statistics prove married drivers tend to file fewer claims.
- Don’t abuse insurance claims – Companies in Pennsylvania award the lowest premiums to people who file claims infrequently. If you’re an insured who likes to file claims you can look forward to higher rates. Insurance coverage is intended for claims that you cannot pay yourself.
- Gender and insurance coverage prices – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes are responsible for fender benders at about the same rate, but males tend to have higher claims. Men also tend to receive more costly citations such as reckless driving. Youthful male drivers have the highest risk to insure and are penalized with high car insurance rates.
- Is you occupation costing you more? – Did you know your career choice can influence rates? Occupations like military generals, business owners, and medical professionals generally pay higher rates than the rest of us in part from high stress levels and lots of time spent away from family. Conversely, jobs like professors, athletes and retirees pay the least.
- Cheaper premiums with safer cars – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts which can result in lower premiums.
- Don’t skimp on liability protection – Liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. It will provide legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not cut corners here.
- Teenage driver insurance rates – Teenage drivers in Pennsylvania tend to be more careless when at the wheel of a vehicle therefore car insurance rates are much higher. If you’ve ever had to add a teenage driver to your car insurance policy can be quite pricey. Mature drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable.
Volvo V60 historical loss data – Companies analyze the history of losses to help calculate premium costs. Models that the statistics show to have higher claim frequency or loss amount will have higher premium rates. The table below outlines the compiled insurance loss statistics for Volvo V60 vehicles.
For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values under 100 suggest a better than average loss history, while values that are above 100 point to more losses or statistically larger losses.
Insurance Loss Ratings for Volvo V60 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volvo V60 2WD 68 53 Volvo V60 4WD 136 75BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Choosing Volvo V60 insurance is an important decision
Despite the high insurance cost for a Volvo V60 in Pittsburgh, maintaining insurance may not be optional for several reasons.
First, most states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to be legal. 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 vehicle with a loan, almost every bank will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volvo at a more expensive rate and force you to pay the higher price.
Third, insurance protects not only your car but also your financial assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Volvo as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in Pennsylvania overpays as much as $825 a year so we recommend shopping around once a year at a minimum to save money.
Insurance savings summarized
In this article, we presented a lot of tips how to save on Volvo V60 insurance in Pittsburgh. The most important thing to understand is the more you quote Pittsburgh car insurance, the better your comparison will be. You may even discover the biggest savings come from a lesser-known regional company.
Low-cost Volvo V60 insurance in Pittsburgh can be purchased both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not provide internet price quotes and usually these regional carriers prefer to sell through independent insurance agents.
When buying insurance coverage, you should never buy less coverage just to save a little money. There are a lot of situations where an insured cut physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.
Much more information about insurance in Pennsylvania can be found on the following sites:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh? (FAQ)
- How Much is Pittsburgh Auto Insurance for a Chevrolet Silverado? (FAQ)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- How Much is Pittsburgh Car Insurance After a Speeding Ticket? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)