Do you want to save money by buying cheaper Jaguar S-Type insurance in Pittsburgh? If you’re looking for lower-cost insurance on the web, do you get frustrated by the dozens of insurance choices available to you? You have so many options that it can really be a difficult mission to lower your prices for Jaguar S-Type insurance in Pittsburgh. Pittsburgh is a great city to raise a family in, but high insurance rates can make it nearly impossible for many drivers to be able to buy decent coverage.
Shocking but true, a large majority of drivers renewed their policy with the same company for more than four years, and nearly half have never even compared quotes to find cheap rates. With the average insurance premium being $1,847, American drivers can cut their rates by roughly $859 a year, but they don’t want to spend time to find cheap insurance by shopping around.
Car insurance policy specifics
Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (Pennsylvania limits are 15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liability limits.
Comprehensive car insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from flooding, hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers things like pain and suffering, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Pennsylvania state minimum liability requirements are 15/30/5 but it’s recommended drivers buy more coverage.
The chart below demonstrates why buying low liability limits may not provide adequate coverage.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, EMT expenses, funeral costs and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Collision coverage – This pays for damage to your S-Type caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your S-Type in order to get cheaper collision rates.
Don’t give up on cheaper rates
There are still a few companies who may not offer rates over the internet and usually these small, regional companies only sell through independent agents. Discount Jaguar S-Type insurance can be purchased on the web in addition to local insurance agencies, so you should compare both to have the best selection.
When you buy Pittsburgh auto insurance online, do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.
We just presented many ways to shop for Jaguar S-Type insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Steps to saving money on Jaguar S-Type insurance in Pittsburgh
The most effective way to find cheaper quotes for car insurance rates is to compare prices regularly from providers in Pittsburgh.
First, learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many rating criteria that cause high rates like speeding tickets, careless driving and a negative credit history can be remedied by making minor changes in your lifestyle.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
Third, compare the quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
Fourth, tell your current company of your intention to cancel your current car insurance policy and submit a completed policy application and payment for the new coverage. As soon as you receive it, place the new certificate verifying coverage in a readily accessible location in your vehicle.
The most important part of shopping around is to make sure you enter similar coverage information on every price quote and and to get rates from as many companies as feasibly possible. Doing this ensures a level playing field and a thorough selection of prices.
Even more information can be read in these articles:
- Auto Crash Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Young Drivers in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest for Low Income Drivers in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance Rates for Teenagers? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Think You’re a Safe Driver? (State Farm)