It’s a fact that insurance companies don’t want policyholders to shop around. Drivers who compare other prices will probably buy a different policy because there is a great chance of finding lower rate quotes. A recent survey revealed that drivers who compared rate quotes regularly saved $3,500 over four years as compared to drivers who don’t regularly compare prices.
If finding discount rates on Toyota Rav4 Hybrid insurance is your objective, knowing how to choose a company and compare car insurance can save time and make the process easier.
The best way we recommend to find affordable quotes for Toyota Rav4 Hybrid insurance in Pittsburgh is to start comparing rates regularly from providers in Pennsylvania.
Step 1: Try to understand how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many risk factors that result in higher rates like multiple speeding tickets and a not-so-good credit rating can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover information to help prevent high rates and find additional discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide rate quotes from many different companies.
Step 3: Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
Step 4: Give notification to your current company of your intent to cancel your current coverage and submit payment and a signed application for your new policy. Once the application is submitted, put the new certificate of insurance along with the vehicle’s registration papers.
The most important part of shopping around is to try to use the same coverage limits and deductibles on every price quote and and to compare as many different insurance providers as possible. This ensures a level playing field and and a good selection of different prices.
If you have a policy now, you should be able to lower your rates using the ideas presented in this article. Finding the cheapest auto insurance coverage in Pittsburgh seems hard but is not really that difficult. Although Pennsylvania drivers must comprehend how big insurance companies calculate their prices because it can help you find the best coverage.
Compare quotes for Pittsburgh Toyota Rav4 Hybrid insurance
To get inexpensive Pittsburgh auto insurance quotes, there a variety of ways to compare prices from local Pittsburgh car insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison.
Doing price comparisons online is so simple that it makes it a waste of time to drive around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you want the trained guidance that only an agent can give. Some companies do allow you to get the lowest quotes online but still have the advice of a local agent. When quoting car insurance, remember that having more price comparisons gives you a better chance of getting more affordable insurance.
The providers in the list below are our best choices to provide free quotes in Pennsylvania. If multiple companies are listed, we recommend you get price quotes from several of them to find the cheapest auto insurance rates.
Choosing the best Toyota vehicle insurance in Pennsylvania is an important decision
Even though it can be expensive, insuring your vehicle serves a purpose in several ways.
- Most states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage 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.
- If you took out a loan on your Toyota Rav4 Hybrid, more than likely the lender will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Toyota at a much higher premium rate and force you to pay much more than you were paying before.
- Auto insurance protects your vehicle and your assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance more than cancel out the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so compare quotes from several companies every year to ensure rates are inline.
Four factors that affect insurance costs
Consumers need to have an understanding of the different types of things that come into play when calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that can help you get better insurance rates.
The items below are some of the things insurance companies consider when setting premiums.
Employer can influence rates – Jobs such as doctors, air traffic controllers, and miners usually pay higher rates than average in part from intense work situations and lots of time spent away from family. On the other hand, careers such as professors, engineers and performers get better rates.
If you don’t need it don’t buy it – There are many add-on coverages that you can get tricked into buying when buying insurance. Things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.
Too many insurance claims drive up premiums – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in Pennsylvania generally give the best rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Teenage driver insurance premiums – Inexperience drivers are statistically shown to be less responsible when driving so insurance rates are higher. Adding a teen driver to your insurance policy can cause a big jump in price. More mature drivers tend to be more responsible, cost insurance companies less in claims, and are generally more financially stable.
Check for these discounts on Toyota Rav4 Hybrid insurance in Pittsburgh
Car insurance can cost a lot, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited when you quote, but a few must be specially asked for before you will receive the discount. If you don’t get every credit you qualify for, it’s possible you qualify for a lower rate.
- Sign Online – Some insurance companies will provide an incentive for buying your policy on their website.
- No Charge for an Accident – Not really a discount, but a few companies such as State Farm, Progressive and GEICO will forgive one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
- Policy Bundle Discount – If you can combine your auto and home policy with the same company you may earn as much as 10 to 15 percent.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Safety Course Discount – Completing a course teaching safe driver skills may get you a small discount if you qualify.
- Active Military Service – Being on active duty in the military could mean lower rates.
- Telematics Discount – Policyholders that allow their insurance company to monitor driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if offered at their school.
Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you could get a free insurance policy, company stockholders wouldn’t be very happy.
A few popular companies and the discounts they provide are detailed below.
- Mercury Insurance discounts include age of vehicle, accident-free, multi-car, annual mileage, low natural disaster claims, ease of repair, and good student.
- Farmers Insurance has savings for good student, switch companies, youthful driver, multi-car, alternative fuel, homeowner, and electronic funds transfer.
- Farm Bureau policyholders can earn discounts including multi-vehicle, good student, driver training, safe driver, and youthful driver.
- State Farm may have discounts that include Drive Safe & Save, passive restraint, multiple autos, Steer Clear safe driver discount, good driver, and student away at school.
- Allstate offers premium reductions for eSmart discount, anti-theft, good payer, utility vehicle, and EZ pay plan discount.
- GEICO has discounts for federal employee, anti-theft, emergency military deployment, seat belt use, membership and employees, driver training, and air bags.
If you are trying to find cheaper Pittsburgh auto insurance quotes, ask all companies you are considering how you can save money. Discounts might not be available to policyholders in Pittsburgh. To find providers who offer cheap Toyota Rav4 Hybrid insurance quotes in Pittsburgh, click here to view.
Local Pittsburgh insurance agencies
Certain consumers would rather visit with an insurance agent and that can be a great decision One of the benefits of comparing insurance prices online is the fact that you can find lower premium rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance data gets sent to companies in Pittsburgh who want to provide quotes for your coverage. You never need to leave your computer due to the fact that quote results will go directly to your email. Get lower rates AND a local agent. In the event you want to get a price quote from a specific company, you can always navigate to their website and complete a quote there.
Choosing a company should include more criteria than just a cheap price quote. Here are some questions you should ask.
- Do they specialize in personal lines coverage in Pittsburgh?
- Where would your vehicle be repaired?
- By raising physical damage deductibles, how much would you save?
- Is coverage determined by price?
- Do they review policy coverages at every renewal?
- Do the companies they represent have a solid financial rating?
- Are all drivers listed on the coverage quote?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
If you prefer to buy car insurance from an insurance agent, you need to know there are two different types of agents and how they function. Car insurance agents in Pittsburgh are categorized either exclusive or independent.
Exclusive Insurance Agents
Exclusive agencies can usually just insure with one company such as Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
The following are exclusive agents in Pittsburgh that are able to give comparison quotes.
Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map
Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
Independent Car Insurance Agencies
Agents that choose to be independent are appointed with more than one company and that gives them the ability to insure through lots of different companies and help determine which has the cheapest rates. If they find a lower price, your policy is moved internally without you having to go to a different agency.
When comparing car insurance prices, we highly recommend that you include price quotes from multiple independent agents for maximum quote selection.
Listed below is a list of independent insurance agencies in Pittsburgh that can give you rate quotes.
Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100 – View Map
Preston and Grafton Insurance Agency
2012 Murray Ave – Pittsburgh, PA 15217 – (412) 586-7340 – View Map
James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 – View Map
You can find cheaper coverage
Throughout this article, we presented many tips how you can find cheaper Toyota Rav4 Hybrid insurance in Pittsburgh. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even be surprised to find that the most savings is with a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.
Discount Toyota Rav4 Hybrid insurance in Pittsburgh can be bought from both online companies in addition to many Pittsburgh insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not offer rate quotes online and many times these regional insurance providers only sell through local independent agents.
Even more information can be read at these sites:
- Liability Insurance Coverage (Nationwide)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for Drivers with Accidents in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in Pittsburgh? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)