Best Quotes for Toyota Corolla Insurance in Pittsburgh

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Shocking but true, most Pennsylvania car insurance customers have been with the same company for a minimum of four years, and just under half have never quoted rates to find affordable coverage. With the average car insurance premium being $1,847, American drivers can cut their rates by as much as 47% a year, but they don't know how much savings they would realize if they switched.

Insurance quote for Toyota Corolla in PittsburghIf you want to save the most money, the best way to find discount Toyota Corolla insurance is to annually compare prices from different companies who sell auto insurance in Pittsburgh. You can shop around by completing these steps.

  1. It will benefit you to learn about individual coverages and the factors you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as at-fault accidents, careless driving, and a substandard credit score can be eliminated by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple companies.
  3. Compare the new rates to the price on your current policy and determine if cheaper Corolla coverage is available. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One key aspect of rate comparisons is to try to use identical coverage information on every quote and and to look at as many auto insurance providers as possible. Doing this enables the most accurate price comparison and the most accurate and complete price analysis.

This article will familiarize you with the best methods to compare rates. If you currently have a car insurance policy, you will most likely be able to shop for the lowest rates using this strategy. Drivers just have to know the proper methods to compare company rates from many different companies.

How to compare Pittsburgh Toyota Corolla insurance price quotes

The car insurance companies shown below offer quotes in Pennsylvania. If multiple companies are listed, it's a good idea that you visit two to three different companies to get the lowest price.

These discounts can lower your auto insurance rates

Some providers don't list every policy discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy Pittsburgh auto insurance online.Cheaper auto insurance with discounts

  • Discount for Passive Restraints - Factory air bags could see savings of up to 25% or more.
  • No Claims - Pittsburgh drivers who stay claim-free have much lower rates compared to bad drivers.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • Accident Forgiveness - Not necessarily a discount, but some insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Distant Student Discount - College-age children who live away from home to go to college and don't have a car may be able to be covered for less.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy some life insurance in addition to your auto policy.
  • Seat Belt Discounts - Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

The information below illustrates the comparison of Toyota Corolla auto insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, homeowner, and marriage discounts applied.

A list of companies and their possible discounts include:

  • State Farm discounts include accident-free, defensive driving training, anti-theft, safe vehicle, passive restraint, student away at school, and multiple autos.
  • GEICO policyholders can earn discounts including anti-lock brakes, multi-policy, driver training, membership and employees, military active duty, and five-year accident-free.
  • Allstate has discounts for good payer, multi-policy, premier plus, farm vehicle, senior citizen, resident student, and auto/life discount.
  • SAFECO may have discounts that include anti-theft, multi-car, drive less, homeowner, anti-lock brakes, teen safety rewards, and bundle discounts.
  • Farm Bureau includes discounts for youthful driver, multi-vehicle, good student, renewal discount, and 55 and retired.
  • Progressive offers discounts including good student, online signing, online quote discount, homeowner, and continuous coverage.
  • AAA offers discounts for education and occupation, multi-car, pay-in-full, good student, and AAA membership discount.

When getting free Pittsburgh auto insurance quotes, it's a good idea to each insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your state. To locate insurance companies that offer the discounts shown above in Pennsylvania, follow this link.

Statistics and details

The price information shown below covers estimates of coverage costs for Toyota Corolla models. Learning as much as possible about how insurance prices are figured can benefit drivers when making smart choices when selecting a coverage provider.

Toyota Corolla Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $174 $390 $444 $26 $134 $1,168 $97
Corolla S $174 $390 $444 $26 $134 $1,168 $97
Corolla XLE $174 $390 $444 $26 $134 $1,168 $97
Corolla XRS $196 $390 $444 $26 $134 $1,190 $99
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location which can raise or lower price quotes greatly.

Analysis of deductible levels

A question often asked by Pittsburgh drivers is how high should the deductibles for physical damage be. The rates below summarize the premium difference when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Toyota Corolla insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $284 $602 $330 $20 $98 $1,359 $113
Corolla S $284 $602 $330 $20 $98 $1,359 $113
Corolla XLE $284 $602 $330 $20 $98 $1,359 $113
Corolla XRS $320 $602 $330 $20 $98 $1,395 $116
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Toyota Corolla insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $158 $318 $330 $20 $98 $924 $77
Corolla S $158 $318 $330 $20 $98 $924 $77
Corolla XLE $158 $318 $330 $20 $98 $924 $77
Corolla XRS $178 $318 $330 $20 $98 $944 $79
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific garaging location which can lower or raise coverage prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $36 more each month or $432 annually across all Toyota Corolla models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 25 months between claim filings, you would save more money if you choose the higher deductible. The table below shows an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One big caveat is that higher deductibles results in more money out-of-pocket when you have to file a claim. You need a higher level of savings in the event you need to pay the deductible to have repairs made.

The illustration below shows how different deductible levels and can influence Toyota Corolla insurance premiums for each age group. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

How much more does full coverage cost?

The information below illustrates the difference between Toyota Corolla auto insurance rates with and without full coverage. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

When to stop paying for full coverage

There is no set guideline that is best for determining when to drop full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Toyota Corolla replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying your deductible. If it's costing you more than $200 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Four Things That Influence Your Insurance Premiums

Multiple criteria are part of the calculation when premium rates are determined. Most are fairly basic like your driving record, although some other factors are not quite as obvious like your vehicle usage or how safe your car is. A large part of saving on insurance is knowing some of the things that are used to determine insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that can help you get lower insurance prices.

  • Teenage vs. older drivers - Teenage drivers in Pennsylvania have a tendency to get distracted easily behind the wheel so they pay higher insurance rates. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims, and are safer drivers.

    The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Small claims can cost you - Companies in Pennsylvania provide lower rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on higher rates. Your car insurance is designed for the large, substantial claims.
  • Add-on coverages can add up - Insurance policies have a lot of additional extra coverages that can add up if you aren't careful. Coverage for things like replacement cost coverage, accident forgiveness, and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
  • The type of car you drive affects your costs - The performance level of the vehicle you are insuring makes a huge difference in the rate you pay. The cheapest rates are usually found on lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

    The chart below is based on a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Toyota Corolla insurance premiums compared to other vehicles that have different performance risks.

  • Toyota Corolla claim probability - Insurance companies use claims history to help determine the price you pay. Models that statistically have higher claim frequency or loss amount will have higher rates for specific coverages. The table below outlines the actual insurance loss data for Toyota Corolla vehicles.

    For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Percentages below 100 suggest a positive loss record, while numbers above 100 indicate more frequent losses or tendency to have larger claims.

    Toyota Corolla Insurance Loss Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Corolla 133 111 94 156 158 128
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Compare prices but buy from a local Pittsburgh insurance agency

Some consumers just want to sit down and talk to an agent and we recommend doing that Good insurance agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of getting free rate quotes online is that you can find cheaper car insurance rates but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is definitely important in Pittsburgh.

Insurance agents in PittsburghOnce you complete this simple form, the quote information is instantly submitted to local insurance agents in Pittsburgh who want to provide quotes for your coverage. There is no reason to contact an agency because prices are sent directly to you. If for some reason you want to quote rates from a particular provider, just go to their quote page and submit a quote form there.

Finding a good insurance company is decision based upon more than just a cheap quote. The answers to these questions are important, too.

  • Does their agency support local causes in Pittsburgh?
  • Which companies can they place coverage with?
  • Do they see any coverage gaps in your plan?
  • Where would your vehicle be repaired?
  • Is there a local claims center in Pittsburgh?
  • Do the companies they represent have a solid financial rating?
  • Are they able to influence company decisions when a claim is filed?
  • Which company do they place the most coverage with?

If you get good feedback to your questions as well as low cost Toyota Corolla insurance quotes, it's possible that you found a company that can be trusted to adequately provide auto insurance.

Find cheap rates by comparing often

Budget-conscious Toyota Corolla insurance can be sourced both online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents.

You just read a lot of ways to lower your Toyota Corolla insurance car insurance rates in Pittsburgh. The most important thing to understand is the more you quote Pittsburgh auto insurance, the better your chances of lowering your premium rates. You may even be surprised to find that the most savings is with an unexpected company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest price, but don't skip important coverages to save money.

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