Best Quotes for Toyota Corolla Insurance in Pittsburgh

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

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:

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
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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
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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.

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.

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.

Additional auto insurance information is located below: