Do you want to learn to get more competitive Volvo C30 insurance in Pittsburgh? Are you regretting buying an expensive insurance policy? Don’t feel bad because there are lots of people in the same boat.
It’s easy to assume that car insurance companies don’t want policyholders to shop around. Consumers who shop around for better prices are very likely to switch companies because there is a good probability of finding more affordable rates. A recent insurance study revealed that consumers who routinely compared rates saved approximately $70 a month compared to drivers who never compared other company’s rates.
If finding the cheapest price on insurance is your ultimate objective, then learning about the best way to shop and compare insurance premiums can save money and time. Insurance companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Consumers need to take a look at other company’s rates before your policy renews because prices change frequently. Just because you had the best rate on Volvo C30 insurance in Pittsburgh a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to learn how to use the internet to save money, get proper coverage and the best rates.
If you have a policy now or need a new policy, use these cost-cutting techniques to get lower rates without sacrificing coverage. Locating the best rates in Pittsburgh is not rocket science. Smart shoppers only have to learn the most time-saving way to find the lowest price from many companies at once.
Finding a better price on auto insurance doesn’t have to be difficult. All that’s required is to spend a few minutes comparing price quotes to find the company with cheaper Pittsburgh auto insurance quotes.
It’s so simple to compare auto insurance rate quotes online makes it obsolete to waste gas driving to different Pittsburgh agent offices. Quoting Volvo C30 insurance online eliminates the need for an insurance agent unless you have a need for the peace of mind of a licensed agent. You can, however, price shop your coverage online but buy from a local insurance agent.
The companies shown below offer free rate quotes in Pennsylvania. If multiple companies are listed, it’s highly recommended you compare several of them to get the best price comparison.
Rates and data analysis
The data table shown below showcases detailed analysis of insurance prices for Volvo C30 models. Having a better idea how insurance policy rates are established is important to be able to make smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C30 T5 R-Design||$224||$430||$316||$18||$94||$1,082||$90|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in Pittsburgh location which can modify coverage rates substantially.
Comparison of full coverage and liability-only policies
The example below shows the comparison of Volvo C30 car insurance rates with and without full coverage. The rates are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied.
When to drop full coverage
There is no specific rule to delete full coverage, but there is a guideline you can use. If the annual cost of coverage is more than 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 assume your Volvo C30 settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying your deductible. If you are paying in excess of $300 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some scenarios where only buying liability is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Insurance is not optional but you don’t have to overpay
Even though it can be expensive, insurance may be required for several reasons.
First, just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car 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 have a loan on your C30, almost all lenders will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Volvo at a significantly higher premium and force you to pay for the expensive policy.
Third, insurance preserves not only your vehicle but also your financial assets. It will also provide coverage for hospital and medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your Volvo gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver overpays more than $855 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
How You Can Control Volvo C30 Insurance Costs
Many different elements are part of the equation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are less apparent such as your marital status or your financial responsibility. Part of the auto insurance buying process is learning some of the things that play a part in calculating your auto insurance rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in much lower annual insurance costs.
Drive lots and pay more – The higher the miles on your Volvo every year the higher your rate. The majority of insurers apply a rate based on their usage. Cars that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your auto insurance declarations sheet reflects the right rating data. Improper usage on your C30 may be wasting your money.
Male costs may be higher – Statistics show that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Women and men have accidents at a similar rate, but males cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
The information below shows the difference between Volvo C30 yearly insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Lower comp and collision deductibles cost more – Physical damage deductibles state the amount of money the insured will be required to pay if the claim is covered. Physical damage insurance, aka comp and collision, insures against damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, vandalism, and damage caused by road hazards. The more expense you pay before a claim is paid (deductible), the lower your rates will be.
Cheaper auto insurance rates for being claim-free – If you tend to file frequent claims, you should expect higher rates. Insurance companies in Pennsylvania award most affordable rates to insureds who do not file claims often. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
Cars with good safety ratings lower premiums – Safer cars tend to have lower insurance rates. Safe vehicles reduce injuries and lower injury rates means less claims paid and cheaper rates on your policy.
Prices increase with policy add-ons – Insurance policies have a lot of optional add-on coverages you can purchase when buying auto insurance. Insurance for things like roadside assistance, death and dismemberment, and term life insurance may be wasting your money. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
Teenagers vs. older drivers – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers. Teenage drivers have a tendency to be easily distracted when driving with friends therefore auto insurance rates are much higher.
The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Get cheaper rates by applying discounts
Not too many consumers would say auto insurance is affordable, but you might be missing out on some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically before being credited.
- More Vehicles More Savings – Insuring several vehicles with one company can reduce rates for all insured vehicles.
- Defensive Driver – Completing a course teaching defensive driving skills may get you a small discount and make you a better driver.
- Paper-free Discount – Some companies will discount your bill up to fifty bucks for buying your policy on the web.
- Payment Discounts – By making one initial payment rather than paying monthly you can actually save on your bill.
- Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less than their less cautious counterparts.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.
The chart below shows the comparison of Volvo C30 auto insurance costs with and without discounts. The information is based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, marriage, and multi-car discounts applied.
A few of the larger companies and some of their more popular discounts can be read below.
- GEICO has discounts for five-year accident-free, military active duty, defensive driver, anti-theft, air bags, and seat belt use.
- Travelers may include discounts for IntelliDrive, home ownership, continuous insurance, multi-policy, good student, and payment discounts.
- Farm Bureau may have discounts that include good student, multi-policy, driver training, youthful driver, 55 and retired, and multi-vehicle.
- Liberty Mutual may offer discounts for multi-car, new graduate, teen driver discount, new vehicle discount, good student, and hybrid vehicle.
- American Family has savings for TimeAway discount, multi-vehicle, early bird, air bags, and Steer into Savings.
- Progressive offers discounts including online quote discount, good student, homeowner, multi-policy, online signing, and continuous coverage.
When comparing rates, check with every prospective company how you can save money. Some of the earlier mentioned discounts may not apply in Pittsburgh.
Different people need different car insurance coverages
When selecting insurance from an agent or online, there is no best way to insure your cars. You are unique.
Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.
- Am I covered if I hit a deer?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the premium to book value ratio for dropping full coverage?
- Can I get a multi-policy discount?
- Am I better off with higher deductibles on my Volvo C30?
- What if I don’t agree with a claim settlement offer?
- Why does it cost so much to insure a teen driver in Pittsburgh?
- Does rental coverage apply when I am renting a car?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Compare rates but work with a neighborhood Pittsburgh auto insurance agent
Some people still prefer to visit with an insurance agent and there is nothing wrong with that. Professional insurance agents are very good at helping people manage risk and help submit paperwork. One of the best bonuses of getting online price quotes is that you can obtain the best rates and still have an agent to talk to.
By using this short form, your information is sent to companies in Pittsburgh that provide free Pittsburgh auto insurance quotes to get your business. You won’t need to leave your house because quoted prices will be sent directly to you. If you need to get a rate quote from a specific auto insurance provider, just jump over to their website and fill out the quote form the provide.
Selecting a provider needs to be determined by more than just a low price. You should also get answers to these questions.
- Do the coverages you’re quoting properly cover your vehicle?
- Are you getting all the discounts the company offers?
- Where are claims handled?
- Does the agency provide any after hours assistance?
- Do they have designations such as AIC, CPCU, or CIC?
- When do they do policy reviews?
Pick the best car insurance agent in Pittsburgh for you
If you want a reliable insurance agency, it’s important to understand the types of insurance agents and how they work. Auto insurance policy providers are considered either independent or exclusive depending on the company they work for. Either one can write policy coverage, but it’s important to know how they are different since it may influence the selection process.
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are usually well trained on what they offer and that can be a competitive advantage.
Below is a short list of exclusive insurance agents in Pittsburgh willing to provide price quotes.
Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
John Cosey – State Farm Insurance Agent
5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070 – View Map
Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
These type of agents are not employed by any specific company and that allows them to write policies with any number of different companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house and you don’t have to find a new agent.
If you are trying to find cheaper rates, we recommend you include price quotes from a couple of independent agencies to have the best price comparison.
The following is a list of independent agents in Pittsburgh willing to provide price quote information.
Kelly Insurance Group
700 River Ave # 433 – Pittsburgh, PA 15212 – (412) 325-1650 – View Map
The Dowd Insurance Agency
998 Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
Nationwide Insurance: Joshua Michael Dott Agency
513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map
Compare auto insurance prices regularly to save
We just showed you many ideas to shop for Volvo C30 insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
More affordable auto insurance in Pittsburgh can be purchased on the web as well as from independent agents in Pittsburgh, so you need to shop Pittsburgh auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents.
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new auto insurance company can be easier than you think.
How to find lower priced Volvo C30 insurance in Pittsburgh
If you want to save money, the best way to get affordable car insurance rates in Pittsburgh is to compare prices regularly from different companies who provide auto insurance in Pennsylvania.
- Step 1: Learn about policy coverages and the factors you can control to keep rates in check. Many rating criteria that result in higher rates such as traffic violations, accidents, and a substandard credit score can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies. Select a company
- Step 3: Compare the new rate quotes to your existing policy and determine if cheaper C30 coverage is available in Pittsburgh. If you find better rates, verify that coverage does not lapse between policies.
One thing to remember is to use the same physical damage deductibles and liability limits on each quote request and to quote with as many different companies as possible. This helps ensure the most accurate price comparison and many rates to choose from.
More tips and info about auto insurance can be read in these articles:
- Auto Insurance Learning Center (State Farm)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in Pittsburgh? (FAQ)
- Child Safety FAQ (iihs.org)
- What is Full Coverage? (Allstate)