It’s hard to believe, but a large majority of consumers kept their policy with the same company for at least four years, and about 40% of consumers have never shopped around. Pittsburgh consumers could save up to $700 each year just by shopping around, but they assume it’s a waste of time to compare rates online.
Truthfully, the best way to get more affordable car insurance rates is to start comparing prices yearly from insurance carriers who provide car insurance in Pittsburgh. You can shop around by following these guidelines.
- Try to understand the different coverages in a policy and the factors you can control to keep rates down. Many factors that are responsible for high rates like getting speeding tickets and your credit history can be remedied by making small lifestyle or driving habit changes.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes for many different companies.
- Compare the price quotes to the premium of your current policy to see if cheaper Forenza coverage is available. If you find a lower rate, verify that coverage does not lapse between policies.
An important bit of advice to remember is that you’ll want to compare identical limits and deductibles on every quote request and and to get quotes from every insurance company. Doing this helps ensure a fair rate comparison and a good representation of prices.
If you are already insured, you will most likely be able to reduce the price you pay using the ideas you’re about to read. Buying the cheapest car insurance in Pittsburgh can really be easy if you know what you’re doing. Although Pennsylvania consumers need to have an understanding of the way companies price insurance differently and use it to find better rates.
Most major insurance companies give price estimates directly from their websites. Comparing prices online for Suzuki Forenza insurance in Pittsburgh is quite easy as you simply type in your coverage preferences as detailed in the form. After you complete the form, the quote system will order your driving record and credit report and returns pricing information based on these and other factors. Being able to quote online for Suzuki Forenza insurance in Pittsburgh makes it easy to compare insurance prices and it’s necessary to get many rate quotes if you want to find the most affordable premium.
To find out how much you’re overpaying now, compare rates from the companies below. If you have a policy now, it’s recommended you copy the insurance coverages exactly as shown on your declarations page. This guarantees you will have a fair comparison based on similar coverages.
The companies shown below can provide comparison quotes in Pennsylvania. If your goal is to find cheap car insurance in PA, we suggest you visit as many as you can to get a more complete price comparison.
Why you need to buy insurance
Despite the fact that insurance is not cheap in Pittsburgh, insurance serves an important purpose.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability protection in order to drive the car. 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 bought your Suzuki Forenza with a loan, almost every bank will require that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Suzuki for a much higher rate and make you pay much more than you were paying before.
- Insurance preserves both your Suzuki and your personal assets. Insurance will also pay for hospital and medical expenses incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your car is damaged in a storm or accident, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $830 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.
Auto insurance is unique, just like you
When it comes to buying coverage online or from an agent for your vehicles, there isn’t really a best way to insure your cars. Your needs are unique to you and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.
- Which companies are cheaper for teen drivers?
- What can I do if my company won’t pay a claim?
- Which companies will insure me after a DUI?
- Who is covered by my policy?
- When should I not file a claim?
- Who is covered when they drive my Suzuki Forenza?
- Can good grades get a discount?
- How much coverage applies to personal belongings?
- How do I file an SR-22 for a DUI in Pennsylvania?
- Why do I only qualify for high-risk insurance?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
Information about specific coverages
Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.
Comprehensive (Other than Collision)
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like theft, fire damage, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for chiropractic care, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
This pays for damage to your Forenza resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible on your Forenza to bring the cost down.
Liability coverage can cover damages or injuries you inflict on a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability insurance covers claims like bail bonds, emergency aid, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below shows why buying low liability limits may not provide adequate coverage.
Affordable coverage is out there
Lower-priced car insurance in Pittsburgh can be bought both online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide online quoting and most of the time these smaller providers only sell coverage through independent insurance agents.
We just showed you a lot of techniques to shop for Suzuki Forenza insurance online. It’s most important to understand that the more you quote Pittsburgh auto insurance, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with a smaller regional carrier. These smaller insurers can often provide lower auto insurance rates in certain areas compared to the large companies like State Farm or Progressive.
When getting Pittsburgh auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
Additional detailed information is available at these sites:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much are Car Insurance Quotes for Good Drivers in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Toyota RAV4 in Pittsburgh? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Vehicle Insurance (Wikipedia)