Think you have an overpriced car insurance policy? Say no more because there are many Pittsburgh drivers thinking the same thing.
Smart shoppers know that auto insurance companies want to prevent you from shopping around. Consumers who shop around at least once a year are highly likely to switch car insurance companies because there is a high probability of finding coverage at a cheaper rate. A recent survey discovered that people who compared price quotes annually saved an average of $72 a month compared to those who never shopped around for better prices.
If finding the cheapest rates on car insurance in Pittsburgh is your objective, then having a grasp of how to choose a company and compare auto insurance can make it easier to find better rates.
Insurance companies such as Progressive, State Farm and GEICO persitently shower you with ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.
Consumers should take time to compare premium rates every six months because insurance prices go up and down regularly. If you had the best quotes on Volvo S90 insurance in Pittsburgh a couple years back you may be paying too much now. Don’t believe everything you read about S90 insurance out there, but we’re going to give you some great ideas on how to lower your car insurance bill.
The easiest way to compare insurance rates from multiple companies is to know the fact almost all companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is give them some information like how much coverage you want, if your license is active, how much school you completed, and whether you are single or married. The rating information is instantly submitted to insurance companies and you should receive rate quotes instantly.
To compare multiple company cheap Volvo S90 insurance rates now, click here and enter the information requested.
The companies in the list below are ready to provide free quotes in Pennsylvania. In order to find the cheapest auto insurance in PA, we recommend you get rates from several of them to get a more complete price comparison.
Protect your vehicle and other assets
Even though Pittsburgh S90 insurance rates can get expensive, insurance serves an important purpose.
First, most states have mandatory liability insurance requirements which means the state requires specific limits of liability protection in order to license the vehicle. 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 vehicle, almost all lenders will require you to buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Volvo at an extremely high rate and require you to pay the higher price.
Third, insurance preserves your Volvo and your assets. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $750 every year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Car insurance coverages 101
Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.
Comprehensive coverage (or Other than Collision)
This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from flooding, falling objects, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like pain medications, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (which is 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.
Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 that means you have a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability can pay for claims such as attorney fees, emergency aid and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should consider buying more coverage.
The illustration below demonstrates why low liability limits may not be enough coverage.
Auto collision coverage
Collision coverage covers damage to your S90 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like backing into a parked car, crashing into a building, rolling your car, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your S90 to save money on collision insurance.
One last thing to lower rates
Throughout this article, we presented quite a bit of information on how to get a better price on Volvo S90 insurance in Pittsburgh. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper Pittsburgh auto insurance quotes. Consumers may even find the best price on car insurance is with a smaller regional carrier. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.
Discount Volvo S90 insurance in Pittsburgh can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies may not offer price quotes online and many times these smaller providers work with independent agents.
As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.
How to find cheaper quotes for Volvo S90 insurance in Pittsburgh
The best way we recommend to find low-cost prices for Volvo S90 insurance in Pittsburgh is to compare prices once a year from insurance carriers in Pennsylvania. This can be done by completing these steps.
- Learn about how companies price auto insurance and the measures you can take to keep rates in check. Many rating factors that increase rates like at-fault accidents, speeding tickets, and a poor credit score can be amended by being financially responsible and driving safely.
- Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies. Find a Pittsburgh insurance agent
- Compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
A good piece of advice is that you’ll want to make sure you compare similar limits and deductibles on each quote request and and to get prices from as many different companies as possible. Doing this helps ensure a fair price comparison and plenty of rates choose from.
More information is located below:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Safe Drivers? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance Quotes for a Nissan Rogue? (FAQ)
- Who Has Cheap Car Insurance for Seniors in Pittsburgh? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Crash Avoidance Technologies FAQ (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)