A recent study showed that 70% of consumers have stayed with the same insurance company for at least four years, and almost half have never compared rates to find lower-cost insurance. With the average premium in Pennsylvania being $1,360, drivers can save hundreds of dollars each year, but most just don’t grasp the rate savings if they switched.
The best way we recommend to get low-cost Toyota Highlander Hybrid insurance in Pittsburgh is to regularly compare prices from companies in Pennsylvania.
- Step 1: Gain an understanding of what coverages are included in your policy and the things you can control to prevent expensive coverage. Many risk factors that are responsible for high rates like high-risk driving behaviors and a bad credit score can be rectified by being financially responsible and driving safely.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the new quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current company of your decision to cancel your current car insurance policy. Submit the completed application along with a down payment for your new policy. Make sure you put the certificate of insurance along with your vehicle registration.
One key aspect when comparing rates is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote request and and to analyze as many companies as possible. This enables an apples-to-apples comparison and a complete selection of prices.
Do you qualify for discounts on Toyota Highlander Hybrid insurance in Pittsburgh?
Companies that sell car insurance don’t list their entire list of discounts in an easy-to-find place, so the list below details a few of the more well known as well as the least known credits that may apply to you.
- Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
- Low Mileage – Low mileage vehicles may allow you to get lower prices due to less chance of an accident.
- Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Telematics Data Discounts – People who choose to allow their company to monitor their driving habits by using a telematics device such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
- E-sign – Some of the larger companies will discount your bill up to fifty bucks for signing up online.
- One Accident Forgiven – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident before they charge you more for coverage so long as you are claim-free for a set time period.
- Resident Student – Children who attend college more than 100 miles from Pittsburgh and leave their car at home may qualify for this discount.
- Military Rewards – Being on active duty in the military may lower your prices slightly.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% depending on your insurance provider.
- Buy New and Save – Insuring a new Highlander Hybrid can save up to 30% because new vehicles are generally safer.
As a footnote on discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. But all discounts will cut your policy cost.
A list of insurance companies and a partial list of their discounts are included below.
- GEICO may offer discounts for membership and employees, driver training, emergency military deployment, military active duty, and air bags.
- SAFECO offers premium reductions for teen safety rewards, teen safe driver, homeowner, anti-lock brakes, bundle discounts, and multi-car.
- State Farm offers discounts for multiple autos, safe vehicle, Drive Safe & Save, multiple policy, passive restraint, and driver’s education.
- MetLife has discounts for accident-free, claim-free, defensive driver, good driver, multi-policy, good student
- 21st Century may have discounts that include good student, defensive driver, theft prevention, air bags, and homeowners.
- Progressive includes discounts for good student, multi-vehicle, online quote discount, online signing, and continuous coverage.
Before purchasing a policy, check with all the companies to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in Pittsburgh.
All major insurance companies such as State Farm, Allstate and GEICO allow consumers to get coverage prices direct online. Doing online price comparisons for Toyota Highlander Hybrid insurance in Pittsburgh is pretty painless as you just enter the amount of coverage you want into the quote form. When the form is submitted, the company’s rating system collects your driving and credit reports and returns pricing information determined by many factors.
This makes it easy to compare insurance prices and it’s absolutely necessary to have as many quotes as possible in order to get the most affordable premium on insurance.
To get comparison pricing now, take a look at the companies shown below. To compare your current rates, we recommend you input deductibles and limits just like they are on your policy. This guarantees you will get a rate comparison using the same coverage and limits.
The companies in the list below offer quotes in Pennsylvania. To buy the cheapest car insurance in Pennsylvania, we suggest you visit as many as you can to get the best price comparison.
There’s no such thing as the perfect insurance policy
When quoting and choosing the best insurance coverage for your vehicles, there really isn’t a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply.
For example, these questions may help highlight whether your personal situation might need an agent’s assistance.
- Do I need higher collision deductibles?
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage if my license is suspended?
- Do I need replacement cost coverage on my Toyota Highlander Hybrid?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need more liability coverage?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Shop online but buy locally
A lot of people just prefer to buy from a local agent and that is recommended in a lot of cases Experienced insurance agents can help you build your policy and help file insurance claims. One of the benefits of comparing insurance prices online is the fact that you can find the best rates but also keep your business local. Buying from and supporting neighborhood insurance agencies is especially important in Pittsburgh.
To help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to participating agents in Pittsburgh who will gladly provide quotes for your insurance coverage. You won’t even need to find an agent since price quotes are sent to your email. If you need to compare rates for a specific company, you can always jump over to their website and give them your coverage information.
Car insurance agents in Pittsburgh come in two varieties
If you want a good insurance agency, there are a couple of types of insurance agents and how they can quote your rates. Agents may be either independent agents or exclusive agents. Both provide insurance policies, but it’s a good idea to understand how they are different because it can influence the selection process.
Independent Insurance Agencies or Brokers
These type of agents are not limited to a single company so they can quote policies with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent. When comparing insurance prices, you definitely need to compare prices from at a minimum one independent agency for the best price selection. Most can insure with mutual insurance companies that may provide cheaper insurance rates.
Below are Pittsburgh independent insurance agents that may be able to give you comparison quotes.
- Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390 – View Map
- Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map
- Crawford Insurance Agency
11743 Frankstown Rd – Pittsburgh, PA 15235 – (412) 244-8888 – View Map
Exclusive agents are contracted to one company like Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to use the same exclusive agent mainly due to the brand name and the convenience of having all coverages with one company.
The following are exclusive agents in Pittsburgh willing to provide price quote information.
- Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
- Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map
- Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
Choosing the best insurance agency needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- Who are their largest clients?
- Do they offer rental car reimbursement?
- Are there any extra charges for paying monthly?
- If you are a high risk driver, do they have special markets for your coverage?
- What insurance companies do they work with in Pittsburgh?
- Do they regularly work with personal auto policies in Pittsburgh?
Cheaper auto insurance rates are possible
Low-cost Toyota Highlander Hybrid insurance in Pittsburgh can be bought on the web as well as from independent agents in Pittsburgh, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not provide internet price quotes and these regional insurance providers only sell coverage through local independent agencies.
When getting Pittsburgh auto insurance quotes online, you should never buy poor coverage just to save money. There have been many situations where an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best cost, but do not skimp to save money.
We just showed you many ways to get a better price on Toyota Highlander Hybrid insurance in Pittsburgh. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with a lesser-known regional company. These smaller insurers often have lower prices on specific markets than their larger competitors like GEICO and State Farm.
For more information, take a look at the resources below:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has the Cheapest Pittsburgh Auto Insurance Rates for Teenagers? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Collision Insurance Coverage (Nationwide)