It takes a few minutes, but the best way to find discount car insurance rates in Pittsburgh is to start comparing prices regularly from different companies that sell auto insurance in Pennsylvania.
Step 1: Try to comprehend what is in your policy and the steps you can take to prevent rate increases. Many policy risk factors that cause rate increases such as your driving record and poor credit rating can be controlled by making minor driving habit or lifestyle changes.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies. View companies
Step 3: Compare the price quotes to your current policy and see if there is a cheaper rate in Pittsburgh. If you find a lower rate quote, make sure there is no lapse in coverage.
The most important part of this process is to use identical limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. This helps ensure a level playing field and a complete price analysis.
Statistics show that nearly 70% of drivers kept their policy with the same company for more than four years, and approximately 38% of consumers have never even compared quotes to find affordable rates. Pennsylvania drivers could pocket as much as 55% a year by just shopping around, but they assume it’s a waste of time to find affordable rates by getting comparison quotes.
Keep in mind that more quotes helps improve the odds of finding a lower rate than you’re paying now.
The companies shown below provide free quotes in Pennsylvania. If your goal is to find the best auto insurance in Pittsburgh, it’s a good idea that you compare several of them to get a more complete price comparison.
Here’s why car insurance is not optional
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
First, most states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance in order to be legal. 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 have a lien on your vehicle, it’s most likely the lender will force you to have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Toyota at a much higher premium rate and require you to pay for the much more expensive policy.
Third, car insurance preserves both your assets and your Toyota. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your Corolla iM greatly outweigh the cost, specifically if you ever have a liability claim. An average driver in America is currently overpaying as much as $865 each year so it’s recommended you shop around every year to ensure rates are inline.
Don’t overlook these Toyota Corolla iM insurance discounts
The cost of insuring your cars can be expensive, but there could be available discounts that you may not even know about. Some of these discounts will be visible at the time of purchase, but some need to be asked for before you will receive the discount.
- Paperless Signup – Some of the larger companies will provide an incentive for buying your policy online.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
- Memberships – Being in a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.
Popular auto insurance companies and some of the discounts are included below.
- State Farm includes discounts for passive restraint, good driver, student away at school, Steer Clear safe driver discount, multiple policy, and driver’s education.
- GEICO has discounts for five-year accident-free, multi-policy, multi-vehicle, air bags, and seat belt use.
- Liberty Mutual discounts include exclusive group savings, multi-policy, new graduate, teen driver discount, safety features, new vehicle discount, and newly retired.
- The Hartford may have discounts that include air bag, vehicle fuel type, bundle, driver training, defensive driver, and anti-theft.
- MetLife may offer discounts for defensive driver, accident-free, good driver, good student, multi-policy, and claim-free.
- Progressive offers premium reductions for online signing, online quote discount, continuous coverage, homeowner, and good student.
It’s a good idea to ask each company or agent how many discounts you can get. All car insurance discounts might not apply everywhere.
When to get professional advice
Always remember that when buying the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.
For instance, these questions might point out whether your personal situation could use an agent’s help.
- Is water damage covered by my policy?
- Is my dog or cat covered if injured in an accident?
- Who sells insurance for high-risk drivers?
- How much liability insurance is required?
- What is medical payments coverage?
- Should I buy only the required Pennsylvania minimum liability coverage?
- Can I afford to buy a different vehicle if my Toyota Corolla iM is totaled?
- Does coverage extend to a rental car in a foreign country?
- What is motorclub and do I need it?
- Where can I find DUI or SR-22 insurance?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.