How to Save on Pittsburgh Toyota Prius Insurance

To save the most money, the best way to find low-cost prices for Toyota Prius insurance is to compare quotes annually from providers who provide car insurance in Pittsburgh.

  1. It will benefit you to learn about how car insurance works and the things you can control to lower rates. Many rating factors that result in higher rates such as accidents, traffic tickets, and a negative credit history can be remedied by being financially responsible and driving safely. This article provides the details to get affordable coverage and find discounts that you may qualify for.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple sources.
  3. Compare the new quotes to your existing policy to see if you can save by switching companies. If you find better rates, verify that coverage does not lapse between policies.

One piece of advice is that you’ll want to compare similar limits and deductibles on each price quote and and to get rate quotes from as many carriers as you can. This ensures a fair rate comparison and the best price quote selection.

Insurance rates Toyota Prius in PittsburghUnfortunately, nearly 70% of consumers kept buying from the same company for four years or more, and roughly 40% of drivers have never taken the time to shop around. Consumers in the U.S. could save almost 46.5% each year, but they don’t believe the amount of savings they would get if they switched to a more affordable policy.

Choosing the most cost-effective insurance policy in Pittsburgh is not that difficult as long as you know where to start. If you already have coverage, you should be able to reduce premiums using the ideas you’re about to read. Consumers just need to learn the most efficient way to compare different rates from many different companies online.

The auto insurance companies shown below provide price comparisons in Pennsylvania. In order to find cheaper auto insurance in Pennsylvania, we recommend you compare several of them to get the best price comparison.

Save a ton by earning discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not even know about. Some of these discounts will be visible at the time you complete a quote, but less common discounts must be specially asked for before you will receive the discount.Insurance discounts

Keep in mind that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, that’s just not realistic.

The diagram below illustrates the comparison of Toyota Prius auto insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.

A list of companies and some of the premium reductions they offer are shown below.

When getting free Pittsburgh car insurance quotes, it’s a good idea to each insurance company which discounts they offer. Some discounts listed above may not be available in Pittsburgh. To see insurance companies with the best discounts in Pittsburgh, click here to view.

Insurance coverage details

The rate information shown below covers different coverage prices for Toyota Prius models. Learning as much as possible about how insurance policy premiums are established helps drivers make informed decisions when shopping around for a new policy.

Toyota Prius Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $364 $512 $366 $22 $110 $1,374 $115
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can revise insurance rates significantly.

Should you raise deductibles?

A question often asked by Pittsburgh drivers is how high should the physical damage deductibles be. The comparisons below may help to conceptualize the difference in cost between high and low physical damage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Toyota Prius insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $288 $428 $280 $16 $84 $1,121 $93
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Toyota Prius insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $234 $346 $280 $16 $84 $960 $80
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in specific location information which can change price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year than requesting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 19 months between claims, you would probably save some money by selecting a higher deductible.

The illustration below demonstrates how choosing different deductibles and can raise or lower Toyota Prius insurance costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Should you buy full coverage?

The illustration below illustrates the difference between Toyota Prius yearly insurance costs when comparing full coverage to liability only. The costs are based on no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.

When to stop paying for full coverage

There is no definitive rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Toyota Prius replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If premium cost is more than $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Local Pittsburgh insurance agencies

Some people still like to buy from a licensed agent and that is not a bad decision Professional agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of price shopping on the web is the fact that you can find cheap car insurance rates and also buy local.

Insurance agency in PittsburghAfter filling out this quick form, your information is submitted to participating agents in Pittsburgh who will gladly provide quotes for your insurance coverage. You never need to visit any agencies due to the fact that quote results will go directly to your email. If you wish to compare rates from a specific company, just navigate to their website and complete a quote there.

Picking the best insurer needs to be determined by more than just a cheap price. These are some questions your agent should answer.

Shown below are Pittsburgh car insurance companies that can give you price quote information for Toyota Prius insurance in Pittsburgh.

2514 Wylie AvePittsburgh, PA 15219(412) 621-5581View Map

4486 Steubenville PikePittsburgh, PA 15205(412) 921-1182View Map

984 Greentree RdPittsburgh, PA 15220(412) 922-2622View Map

9370 McKnight Rd #300APittsburgh, PA 15237(412) 367-9200View Map

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After you get positive responses for all questions you ask as well as a price you’re happy with, you have narrowed it down to an insurance company that can be relied on to insure your vehicles.

Insurance agents can help

When choosing your policy, there is no one size fits all plan. Each situation is unique so your insurance needs to address that.Higher deductibles save money
For example, these questions could help you determine whether or not you may require specific advice.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Find Toyota Prius Insurance at a Discount

When buying insurance it’s important to understand the different types of things that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with big savings.

The itemized list below are some of the most common factors used by your company to calculate your rates.

Protect more than your Toyota vehicle

Despite the high cost of buying insurance for a Toyota Prius in Pittsburgh, paying for car insurance is a good idea for several reasons.

The benefits of insuring your car more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $865 each year so compare rate quotes at every policy renewal to make sure the price is not too high.

Best car insurance company in Pennsylvania

Picking a high-quality auto insurance company can be rather challenging considering how many choices you have in Pittsburgh. The information in the next section may help you select which auto insurance companies to look at shopping your coverage with.

Top Car Insurance Companies in Pennsylvania
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Keep this in mind when shopping around

Throughout this article, we presented many tips how you can reduce Toyota Prius insurance car insurance rates online in Pittsburgh. The key concept to understand is the more you quote Pittsburgh car insurance, the better your comparison will be. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Cost effective Toyota Prius insurance is available both online in addition to many Pittsburgh insurance agents, and you should be comparing both so you have a total pricing picture. Some companies may not offer online rate quotes and these smaller providers only sell through independent insurance agencies.

Additional detailed information can be read at these sites: