If your goal is the lowest price, then the best way to find low-cost Toyota Yaris insurance is to annually compare prices from companies who provide auto insurance in Pittsburgh.
- First, gain an understanding of car insurance and the things you can change to keep rates in check. Many rating factors that are responsible for high rates such as at-fault accidents, careless driving, and poor credit rating can be remedied by making lifestyle changes or driving safer.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Third, compare the price quotes to your existing rates to determine if switching companies saves money. If you can save money, verify that coverage does not lapse between policies.
- Fourth, give notification to your current company to cancel the current policy and submit payment and a completed application to your new carrier. Immediately upon receiving it, store the certificate of insurance with your vehicle’s registration.
The key thing to remember is to use the same physical damage deductibles and liability limits on every price quote and and to analyze as many auto insurance providers as possible. This guarantees a fair price comparison and a complete price analysis.
It’s easy to assume that insurance companies don’t want you to look for cheaper rates. People who shop around for cheaper price quotes will most likely switch insurance companies because they have a good chance of finding a lower-priced policy. A recent survey found that drivers who make a habit of shopping around saved as much as $3,400 over four years compared to drivers who don’t regularly compare prices.
If finding the best price on Toyota Yaris insurance in Pittsburgh is your intention, then having some insight into how to get price quotes and compare insurance can make it easier to shop your coverage around.
If you currently have a car insurance policy, you stand a good chance to be able to reduce premiums using the techniques presented in this article. Buying affordable auto insurance in Pittsburgh is not that difficult. But Pennsylvania vehicle owners need to learn how companies determine what you pay because rates fluctuate considerably.
Learn How to Lower Your Insurance Costs
Many different elements are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent like where you live or your vehicle rating.
Older drivers pay less – Older drivers have been proven to be more responsible, file fewer claims, and receive fewer citations. Beginning drivers are statistically proven to be inattentive when driving so insurance rates are higher.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Gender and auto insurance prices – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both cause auto accidents in similar percentages, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents and are penalized with high insurance rates.
The chart below shows the difference between Toyota Yaris insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no discounts are factored in.
Cautious drivers have lower prices – How you drive has a huge affect on how much you pay. Even a single citation may cause rates to rise forty percent or more. Attentive drivers get better rates compared to bad drivers. Drivers who have flagrant violations like DUI or reckless driving may find they need to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
The diagram below illustrates how traffic citations and at-fault collisions can increase Toyota Yaris auto insurance costs for different age categories. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Married people drive safer – Getting married may cut your premiums when shopping for insurance. Having a spouse may mean you are more mature and responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
Higher physical damage deductibles reduce rates – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, vandalism, or theft of your vehicle. The more of the claim the insured is willing to pay, the less your company will charge you for insurance.
Insurance loss data for Toyota Yaris vehicles – Insurance companies analyze claim trends for every vehicle to help determine the price you pay. Models that the statistics show to have high amounts or severity of claims will have higher rates. The table below demonstrates the actual insurance loss data for Toyota Yaris vehicles.
For each policy coverage, the claim probability for all vehicles, as an average, is set at 100. Percentage numbers below 100 indicate a favorable loss history, while numbers shown that are more than 100 show a trend for more claims or tendency to have larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Yaris | 94 | 88 | 92 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Rates and data analysis
The rate table displayed below outlines detailed analysis of insurance costs for Toyota Yaris models. Knowing how rates are established helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $190 | $420 | $390 | $24 | $116 | $1,140 | $95 |
| Yaris 4-Dr Hatchback | $190 | $420 | $346 | $20 | $104 | $1,080 | $90 |
| Yaris 4-Dr Sedan | $190 | $420 | $346 | $20 | $104 | $1,080 | $90 |
| Yaris S 2-Dr Hatchback | $218 | $420 | $390 | $24 | $116 | $1,168 | $97 |
| Yaris S 4-Dr Hatchback | $218 | $420 | $346 | $20 | $104 | $1,108 | $92 |
| Yaris S 4-Dr Sedan | $218 | $420 | $346 | $20 | $104 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in your specific Pittsburgh location which can affect coverage rates significantly.
Difference between full coverage and liability only rates
The information below visualizes the comparison of Toyota Yaris yearly insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no exact formula of when to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Toyota Yaris claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your deductible. If you are paying more than $400 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Cheaper Pittsburgh car insurance rates with discounts
Companies don’t always advertise their entire list of discounts very clearly, so the list below gives a summary of both the well known and also the lesser-known discounts you could be receiving when you buy Pittsburgh car insurance online.
- ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
- One Accident Forgiven – This isn’t a discount exactly, but certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life policy as well.
- Drive Safe and Save – Safe drivers could pay up to 40% less compared to accident prone drivers.
- Onboard Data Collection – People who choose to allow their company to scrutinize driving patterns by using a telematic data system such as State Farm’s In-Drive might see lower rates if their driving habits are good.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount should help lower your policy premiums.
The illustration below shows the comparison of Toyota Yaris yearly insurance costs with and without discounts applied. The premiums assume a male driver, no claims or violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.
A partial list of companies that may offer policyholders some of the discounts shown above possibly include:
When getting free Pittsburgh car insurance quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. A few discounts may not be offered in every state. To locate providers who offer cheap Toyota Yaris insurance quotes in Pennsylvania, follow this link.
Pennsylvania car insurance companies
Finding the highest-rated auto insurance company is hard considering how many different companies insure vehicles in Pennsylvania. The rank data shown next can help you choose which auto insurance companies you want to consider purchasing from.
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Persistence pays off
As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.
In this article, we covered many ideas to compare Toyota Yaris insurance premium rates in Pittsburgh. It’s most important to understand that the more you quote Pittsburgh car insurance, the more likely it is that you will get a better rate. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.
More detailed auto insurance information is located in these articles:
- Tools for Teen Driving Safety (State Farm)
- How Much is Auto Insurance for Drivers Over Age 70 in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
- How Much is Car Insurance for a Toyota Camry in Pittsburgh? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Understanding Limits and Deductibles (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)