Would you like to stop wasting money and find more affordable Pontiac GTO insurance in Pittsburgh? I doubt anyone enjoys paying for car insurance, especially when they know they could get a better deal.
Unimaginable but true, most car insurance buyers in Pennsylvania have been with the same company for more than four years, and nearly the majority have never even compared quotes to find affordable rates. Many consumers in the United States can save hundreds of dollars each year just by shopping around, but most just don’t grasp the amount of money they would save if they switched to a cheaper policy.
How to buy lower priced Pontiac GTO insurance in Pittsburgh
It takes a few minutes, but the best way to find cheaper quotes for car insurance rates is to compare prices regularly from providers who sell auto insurance in Pittsburgh. You can compare rates by following these guidelines.
Step 1: Read about how insurance works and the factors you can control to keep rates in check. Many rating factors that cause high rates such as at-fault accidents and a not-so-good credit rating can be controlled by making minor driving habit or lifestyle changes. Read the full article for tips to help prevent high rates and find overlooked discounts.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote prices from multiple sources.
Step 3: Compare the price quotes to your current policy and see if you can save money. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
One bit of advice is to use the same coverage limits and deductibles on each quote and and to get rate quotes from as many different insurance providers as possible. Doing this provides a level playing field and a better comparison of the market.
Because there are so many options when it comes to car insurance, it can be difficult for drivers to choose the most affordable company.
Consumers should take time to take a look at other company’s rates periodically due to the fact that insurance rates change quite often. If you had the best deal on Pontiac GTO insurance in Pittsburgh six months ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to teach you the easiest way to save money, get proper coverage and the best rates.
Locating the best rates in Pittsburgh is easy if you know what you’re doing. If you have a policy now or just want cheaper coverage, use these techniques to save money without reducing coverage. You just need to know the quickest way to get comparison rates over the internet.
Compare Pittsburgh Pontiac GTO insurance rate quotes
The following companies are ready to provide free quotes in Pittsburgh, PA. To locate cheap auto insurance in Pennsylvania, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Buying the right vehicle insurance in Pennsylvania is an important decision
Even though it can be expensive, insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance if you want to drive legally. 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.
Second, if you took out a loan on your car, it’s most likely the lender will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Pontiac at a more expensive rate and force you to pay for it.
Third, auto insurance protects not only your Pontiac GTO but also your financial assets. It will also pay for medical transport and hospital expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your Pontiac gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying more than $750 every year so it’s important to compare rates once a year at a minimum to save money.
Why You Might Pay Higher Rates in Pittsburgh
Smart consumers have a good feel for some of the elements that help determine auto insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can earn you cheaper rates.
The items below are a few of the “ingredients” utilized by car insurance companies to help set your rates.
Never go without auto insurance – Going without insurance will be a guaranteed way to pay more for auto insurance. And not only will your rates increase, not being able to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with the Pennsylvania motor vehicle department.
Costs impacted by your city – Being located in small towns and rural areas is a positive aspect when buying auto insurance. Fewer people translates into fewer accidents and a lower car theft rate. City drivers tend to have more traffic problems and longer commutes to work. More time on the road means higher likelihood of an accident.
Prices for guys may be higher – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that females are better drivers. Women and men are responsible for auto accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also get higher numbers of serious violations such as reckless driving.
Raise coverage deductibles and save – Deductibles for physical damage state the amount of money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims are a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance.
Discounts mean cheaper rates for Pontiac GTO insurance in Pittsburgh
Buying car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before you will receive the discount.
- Sign Early and Save – A few companies offer discounts for buying a policy before your current GTO insurance policy expires. You may see this discount when you get Pittsburgh car insurance quotes online.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more compared to accident prone drivers.
- Driving Data Discount – Insureds who allow data collection to spy on driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
- Homeowners Savings – Just owning your own home can help you save on car insurance since owning and maintaining a home demonstrates responsibility.
- Student Discounts – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
- Defensive Driver Discount – Successfully completing a safe driver class can save you 5% or more and easily recoup the cost of the course.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy life insurance.
- Payment Method – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.
Insurance companies that may offer quotes with these discounts are:
If you want cheaper Pittsburgh car insurance quotes, ask each company how you can save money. Some credits may not apply to policyholders in your area.
Neighborhood insurance agents
A lot of people just prefer to sit down and talk to an agent and that is a smart decision Agents can make sure you are properly covered and help you file claims. A nice benefit of comparing rates online is you can get cheap rate quotes but also keep your business local.
After completing this short form, the coverage information is immediately sent to participating agents in Pittsburgh that give free quotes for your business. It makes it easy because there is no need to leave your house because quoted prices will be sent directly to you. If you have a need to get a price quote from one company in particular, you can always jump over to their website and fill out their quote form.
Selecting an insurance company needs to be determined by more than just the bottom line cost. Any agent in Pittsburgh should be forthright in answering these questions:
- Do they have cheaper tiers of coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
- What discounts might you be missing?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they have 24-hour customer assistance?
If you are wanting to find a reliable insurance agent, you should know the different types of agents and how they are distinctly different. Car insurance agents in Pittsburgh can be described as either exclusive or independent (non-exclusive). Either can provide car insurance policies, but it is important to understand how they are different since it could factor into which agent you choose.
Agents in the exclusive channel generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. They usually cannot compare rates from other companies so they have to upsell other benefits. They are trained well on their company’s products and that can be a competitive advantage.
The following is a short list of exclusive agents in Pittsburgh who can help you get price quotes.
Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map
Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map
Mike Dudenas – State Farm Insurance Agent
901 Castle Shannon Blvd – Pittsburgh, PA 15234 – (412) 561-5012 – View Map
These agents often have affiliation with several companies so they can write business with an assortment of companies and potentially find a lower price. If prices rise, your policy is moved internally and that require little work on your part. If you are trying to find cheaper rates, we recommend you include several independent insurance agents to ensure the widest selection of prices.
The following is a short list of independent insurance agents in Pittsburgh that are able to give price quote information.
Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map
T.W. Butts Insurance Agency
4893 Campbells Run Rd – Pittsburgh, PA 15205 – (412) 787-7800 – View Map
Joe Vojtas Agency – ERIE Insurance
9800B McKnight Rd #226 – Pittsburgh, PA 15237 – (412) 847-3743 – View Map
Pittsburgh auto insurance company ratings
Choosing the top car insurance company is difficult considering how many choices you have in Pittsburgh. The rank data in the next section may help you choose which auto insurance companies to look at when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
In the end, you can save money
Some companies may not have price quotes online and many times these regional carriers work with independent agencies. Cost effective Pontiac GTO insurance is available from both online companies as well as from insurance agents, so you need to compare both to have the best selection.
As you quote Pittsburgh car insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
In this article, we covered a lot of techniques to save on Pontiac GTO insurance in Pittsburgh. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest auto insurance rates come from the smaller companies. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.
How to find discount Pontiac GTO insurance in Pittsburgh
The most effective way to get the cheapest Pontiac GTO insurance in Pittsburgh is to annually compare prices from insurers who can sell car insurance in Pennsylvania. Rate comparisons can be done by completing these steps.
Step 1: Read about how your policy works and the factors you can control to lower rates. Many risk factors that cause high rates like traffic violations and a substandard credit history can be amended by making minor changes in your lifestyle.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of companies.
Step 3: Compare the new quotes to the price on your current policy to see if cheaper GTO coverage is available. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Give notification to your agent or company of your intent to cancel the current policy and submit payment and a completed application to the new company. Don’t forget to put the proof of insurance certificate somewhere easily accessible.
A good tip to remember is that you’ll want to make sure you compare identical limits and deductibles on every quote request and to quote with as many companies as you can. This enables an accurate price comparison and the best price quote selection.
More detailed car insurance information can be read by following these links:
- Child Safety FAQ (iihs.org)
- What Auto Insurance is Cheapest in Pittsburgh, Pennsylvania? (FAQ)
- How Much is Auto Insurance for Drivers Over Age 70 in Pittsburgh? (FAQ)
- Who Has Cheap Car Insurance for 19 Year Olds in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Honda Civic in Pittsburgh? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for Postal Workers in Pittsburgh? (FAQ)
- Safety Belts FAQ (iihs.org)
- Think You’re a Safe Driver? (State Farm)