Car Insurance Rate Quotes for a Chevy City Express in Pittsburgh

The best way we recommend to quote cheaper auto insurance rates is to regularly compare price quotes from companies that sell auto insurance in Pittsburgh.

1. Spend some time learning about the different coverages in a policy and the measures you can take to keep rates in check. Many factors that cause high rates such as tickets, at-fault accidents, and poor credit can be rectified by paying attention to minor details. Keep reading for more information to prevent high prices and get additional discounts that may have been overlooked.
2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies. View a list of agents
3. Compare the price quotes to your existing rates to determine if you can save on City Express insurance in Pittsburgh. If you find a better price, ensure there is no coverage lapse between policies.
4. Provide notification to your current company of your intention to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the new company. Once the paperwork is finalized, safely store the certificate of insurance somewhere easily accessible.

One bit of advice is that you’ll want to make sure you compare identical coverages on every price quote and to quote with every company you can. This helps ensure a fair price comparison and the best price selection.

It’s a fact that car insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper rates are very likely to buy a new policy because of the high probability of finding good coverage at a lower price. Surprisingly, a recent survey revealed that people who compared rates once a year saved over $3,500 over four years compared to other drivers who never compared rates.

If finding the lowest rates on insurance in Pittsburgh is your ultimate target, learning how to compare car insurance can help simplify the process.

Best companies for Chevy City Express insurance

The following companies are ready to provide free quotes in Pittsburgh, PA. To buy cheaper car insurance in Pennsylvania, it’s highly recommended you compare several of them in order to get a fair rate comparison.

Chevy City Express insurance statistics and information

The coverage information below covers a range of insurance coverage prices for Chevy City Express models. Being able to understand how insurance prices are calculated can help drivers make decisions when shopping around.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location information which can affect coverage prices greatly.

The information below illustrates how your deductible choice and can influence Chevy City Express insurance rates for each age group. The data is based on a married male driver, full physical damage coverage, and no discounts are factored in.

Annual premiums for males versus females

The information below illustrates the difference between Chevy City Express auto insurance costs for male and female drivers. The prices are based on no violations or claims, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.

Save money with these seven rate reducing discounts

Insurance is expensive, but there are discounts available that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but occasionally some discounts must be specially asked for before they will apply. If you are not receiving all the discounts available, you may be paying too high a price.

• Theft Deterrent – Vehicles with anti-theft systems help deter theft and earn discounts up to 10% off your Pittsburgh auto insurance quote.
• Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.
• Good Student – Getting good grades can save 20 to 25%. Most companies allow this discount until age 25.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Distant College Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
• Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
• Air Bag Discount – Options like air bags or automatic seat belts could see savings as much as 30%.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

The diagram below shows the comparison of Chevy City Express car insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A list of companies and some of the premium reductions they offer include:

• Esurance may offer discounts for defensive driver, anti-theft, multi-car, emergency road assistance, and DriveSense.
• The Hartford may include discounts for driver training, defensive driver, air bag, bundle, vehicle fuel type, good student, and anti-theft.
• AAA offers discounts including good driver, anti-theft, multi-car, multi-policy, and good student.
• GEICO has savings for anti-lock brakes, membership and employees, five-year accident-free, federal employee, and daytime running lights.
• State Farm offers premium reductions for safe vehicle, good driver, driver’s education, anti-theft, accident-free, good student, and multiple autos.

Before you buy a policy, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier might not apply everywhere. If you would like to see a list of companies who offer insurance discounts in Pennsylvania, click here.

You are unique and your auto insurance should be too

When selecting proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

• Does medical payments coverage apply to all occupants?
• Does my insurance cover my expensive audio equipment?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my car insurance cover rental cars?
• Who is covered when they drive my Chevy City Express?
• Do I need special coverage while pulling a rented trailer?
• Why do I only qualify for high-risk insurance?
• Who is covered by my policy?
• Is my son or daughter covered when driving my car?
• Will my Chevy City Express be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Exclusive versus independent insurance agents

Many drivers would prefer to get professional advice from a licensed agent and often times that is recommended Experienced insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is that drivers can save money and get the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this quick form, the quote information is instantly submitted to participating agents in Pittsburgh who will give competitive quotes for your car insurance coverage. You don’t have to contact any insurance agencies because prices are sent to the email address you provide. If you wish to get a price quote from a specific insurance company, feel free to search and find their rate quote page and submit a quote form there.

Picking the best insurer should include more criteria than just a cheap price. Get answers to these questions too.

• Will you get a loaner vehicle if you car is being repaired?
• Will you work with the agent or an assistant?
• Does the company have a solid financial rating?
• Who is covered by the car insurance policy?
• Will the agent help in case of a claim?
• How does the company pay claims for a total loss?

Two types of car insurance agents

When narrowing the list to find a reputable insurance agent or broker, there are two different agency structures and how they work. Car insurance agents can either be independent (non-exclusive) or exclusive. Both types of agents can do a good job, but it is important to understand the difference in how they write coverage because it can factor into which type of agent you select.

Exclusive Car Insurance Agents

These type of agents can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which can be an advantage.

The following is a short list of exclusive insurance agents in Pittsburgh willing to provide rate quotes.

More insurance agents

Independent Insurance Agents

Agents that elect to be independent do not write with just one company so they can write business through lots of different companies and get the cheapest rates. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing rates, you need to compare prices from several independent agencies for the best price selection.

The following are independent agencies in Pittsburgh willing to provide rate quotes.

More insurance agents

Insurance coverage specifics

Understanding the coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, ambulance fees and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

This can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, repair bills for other people’s vehicles, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but it’s recommended drivers buy higher limits.

The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.

Collision protection

Collision coverage pays for damage to your City Express resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your City Express in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, fire damage, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many Pennsylvania drivers carry very low liability coverage limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

How much can you save?

Cost effective Chevy City Express insurance is available online and also from your neighborhood Pittsburgh agents, so get free Pittsburgh auto insurance quotes from both of them to get a complete price analysis. Some insurance companies do not offer rates over the internet and many times these regional carriers sell through independent agents.

While you’re price shopping online, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Additional insurance information is located below:

• Teen Driving and Texting (State Farm)
• Who Has Affordable Auto Insurance for Postal Workers in Pittsburgh? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Booster Seat Ratings (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Institute)