The best way we recommend to find lower priced auto insurance rates in Pittsburgh is to compare prices at least once a year from different companies in Pennsylvania.
Step 1: Gain an understanding of what is in your policy and the steps you can take to keep rates down. Many things that drive up the price such as at-fault accidents, speeding tickets, and an imperfect credit score can be controlled by being financially responsible and driving safely. This article gives ideas to get low prices and get bigger discounts.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
Step 3: Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application to the new company. Once received, put the proof of insurance certificate in an easily accessible location.
A valuable tip to remember is to try to compare identical deductibles and limits on every quote request and and to get rates from every company you can. Doing this enables a level playing field and a good representation of prices.
It’s an obvious conclusion that insurance companies don’t want customers comparing rates. Drivers who shop around for the cheapest price are likely to switch insurance companies because they have a good chance of getting low-cost coverage. A recent survey revealed that people who shopped around saved as much as $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding the cheapest price on Cadillac Deville insurance in Pittsburgh is your goal, learning how to get price quotes and compare coverage rates can save time, money, and frustration.
Buying affordable car insurance in Pittsburgh is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce the price you pay using the ideas you’re about to read. Shoppers just have to learn the quickest method to buy car insurance from many different companies.
The car insurance companies shown below can provide free quotes in Pittsburgh, PA. If you wish to find cheaper auto insurance in Pittsburgh, it’s highly recommended you visit as many as you can to find the most affordable car insurance rates.
Discounts can help lower premiums on Cadillac Deville insurance in Pittsburgh
Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but occasionally some discounts must be requested specifically before being credited.
- Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will qualify for a discount on a Pittsburgh auto insurance quote.
- ABS Braking Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Save over 55 – Mature drivers are able to get a small discount on rates.
- No Claims – Insureds who avoid accidents and claims get the best auto insurance rates as opposed to insureds who have frequent claims or accidents.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
- Federal Government Employee – Active or former government employment could qualify for a slight premium decrease depending on your auto insurance provider.
- Military Discounts – Having an actively deployed family member may lower your auto insurance rates slightly.
Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.
To locate providers with the best Cadillac Deville insurance discounts in Pittsburgh in Pennsylvania, click here to view.
Informed Drivers Can Reduce Insurance Rates
Lots of factors are used when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other factors are less apparent like where you live or your vehicle rating.
- Stay claim-free and save – If you are the type of insured that files lots of claims don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies in Pennsylvania award better rates to policyholders who are claim-free. Your insurance policy is intended for claims that you cannot pay yourself.
- Mature drivers are lower risk – Older people are proven to be safer behind the wheel, tend to cause fewer accidents, and usually have better credit. Inexperience drivers are statistically shown to be easily distracted when driving with friends therefore car insurance rates are much higher.
- Multiple policies with one company – Some insurance companies afford better rates for people that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to guarantee you are still saving the most. You may still be able to save even more than the discount by buying from different companies
- Rural vs Urban Areas – Living in small towns and rural areas is a positive aspect when shopping for auto insurance. People who live in big cities regularly have traffic congestion and higher rates of accident claims. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
- High deductibles save money – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Cadillac from damage. Examples of some claims that would be covered could be a broken windshield, collision with an animal, and rolling your vehicle. The deductibles you choose represent how much money you are willing to pay if the claim is covered. The more money you’re willing to pay, the lower your rates will be.
- Extra coverages that aren’t used – There are a lot of optional add-on coverages you can purchase but may not be useful. Add-on coverages like replacement cost coverage, accidental death, and extra equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
- Premiums are impacted by vehicle performance – The performance level of the car you drive makes a substantial difference in determining your rates. The lowest performance passenger cars receive the most favorable rates, but many other things help determine your insurance rates.
- Premiums impacted by vehicle usage – The more miles you rack up on your Cadillac every year the more you will pay for car insurance. A lot of insurance companies charge rates partially by how you use the vehicle. Cars that have low annual miles cost less to insure than those that get driven frequently. Ask your agent if your declarations sheet reflects the correct usage for each vehicle. An incorrectly rated Deville may be wasting your money.
Exclusive versus independent auto insurance agents
Some consumers just prefer to buy from a local agent and that can be a great decision Licensed agents can point out coverage gaps and will help you if you have claims. The best thing about price shopping on the web is you can get cheap rate quotes but still work with a licensed agent.
To help locate an agent, after submitting this simple form, your insurance coverage information is submitted to local insurance agents in Pittsburgh who will give competitive quotes for your insurance coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go to your email. If for some reason you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and complete a quote there.
Finding the right provider should include more criteria than just the price. Here are some questions to ask:
- Does the agency provide any after hours assistance?
- Do they have designations such as AIC, CPCU, or CIC?
- How many companies do they write for?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What insurance companies do they recommend if they are an independent agent?
If you would like to find a local Pittsburgh insurance agency, there are a couple of types of agencies and how they work. Pittsburgh agents can either be exclusive or independent agents depending on their company appointments. Either can do a good job, but it’s good to learn why they differ because it can influence buying decisions.
Exclusive Agents
Agents of this type work for only one company and some examples include State Farm, Allstate, and Farm Bureau. They are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some people will only purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having all coverages with one company.
Listed below are Pittsburgh exclusive agencies who can help you get price quotes.
- Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map - Lindsay Brown – State Farm Insurance Agent
300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030 – View Map - Steve Long – State Farm Insurance Agent
2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600 – View Map
Independent Agents
Independent agents can quote rates with many companies so they can insure your vehicles amongst many companies and find you the best rates. If they find a lower price, your agent can switch companies which is easy for the insured. When shopping rates, we recommend you contact several independent agencies to ensure the widest selection of prices. Many write coverage with mutual insurance companies that may provide cheaper auto insurance rates.
The following are Pittsburgh independent insurance agents willing to provide price quotes.
- Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map - Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map - Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map
After receiving positive responses to your questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that can be trusted to service your policy.
Cheap car insurance rates are out there
Throughout this article, we presented many ways to compare Cadillac Deville insurance rates in Pittsburgh. The key concept to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates are with some of the lesser-known companies.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.
Cheaper car insurance in Pittsburgh can be purchased online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some companies may not have price quotes online and many times these regional carriers work with independent insurance agencies.
More detailed car insurance information is located in the articles below:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance Quotes for a Nissan Rogue? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
- How Much is Pittsburgh Auto Insurance for a 20 Year Old Male? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- All About Airbag Safety (State Farm)