Volvo V50 Insurance Quotes in Pittsburgh

Discount Volvo V50 insuranceHave you had enough of sacrificing to make your insurance payment? You are in the same boat as many other Pennsylvania drivers.

It’s hard to fathom, but a large majority of drivers have purchased from the same company for at least four years, and just short of a majority have never even compared quotes to find lower-cost rates. Pittsburgh consumers can save hundreds of dollars each year just by getting comparison quotes, but they mistakenly think it’s difficult to find lower-cost rates by getting comparison quotes.

How to find affordable Volvo V50 insurance in Pittsburgh

The most effective way to save money on Volvo V50 insurance is to start comparing rates regularly from insurance carriers who sell auto insurance in Pittsburgh. Prices can be compared by following these steps.

One important bit of advice is that you use the same deductibles and limits on every price quote and and to look at as many auto insurance providers as possible. This ensures an apples-to-apples comparison and and a good selection of different prices.

Popular companies such as State Farm and GEICO increase brand awareness with advertising and it is challenging if not impossible to ignore the propaganda and do the work needed to find the best deal.

The quickest method to get policy rate comparisons for Volvo V50 insurance in Pittsburgh is to take advantage of the fact auto insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information such as coverage limits, whether your vehicle is owned or leased, how much you drive, and if it has an alarm system. That information gets sent immediately to many of the top insurers and they return rate quotes quickly.

To compare rates for your car now, click here and enter the information requested.

The companies shown below can provide quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you compare several of them to get the lowest price.

Verify you’re applying every discount

Companies don’t always list all possible discounts very well, so the below list has both well-publicized as well as some of the hidden credits available to bring down your rates.Discount car insurance

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

The illustration below illustrates the difference between Volvo V50 yearly insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, homeowner, and multi-policy discounts applied.

The best car insurance companies and their possible discounts are detailed below.

If you are trying to find affordable Volvo V50 insurance quotes, ask every insurance company which discounts you qualify for. Discounts might not apply in Pittsburgh.

Data for Volvo V50 insurance

The coverage table below outlines a range of insurance policy prices for Volvo V50 models. Having knowledge of how auto insurance premiums are formulated is important for you to make smart choices when purchasing an auto insurance policy.

Volvo V50 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
V50 2.4I $178 $318 $330 $20 $98 $944 $79
V50 AWD T5 R-Design $178 $366 $330 $20 $98 $992 $83
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can impact premium rates considerably.

Policy deductible comparison

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below can help show the differences in premium rates when you choose different policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Volvo V50 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
V50 2.4I $320 $602 $330 $20 $98 $1,395 $116
V50 AWD T5 R-Design $320 $694 $330 $20 $98 $1,487 $124
Get Your Own Custom Quote Go

Volvo V50 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
V50 2.4I $234 $408 $330 $20 $98 $1,090 $91
V50 AWD T5 R-Design $234 $468 $330 $20 $98 $1,150 $96
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can influence premiums noticeably.

We can derive from the above data that using a $100 deductible will cost you roughly $26 more each month or $312 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 15 months between claim filings, you would come out ahead going with the higher deductible. The numbers below show the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $120
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $26
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The diagram below demonstrates how choosing different deductibles and can impact Volvo V50 insurance premiums for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Does full coverage make sense?

The example below shows the difference between Volvo V50 car insurance costs with and without physical damage coverage. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.

Should you be buying full coverage?

There is no definitive guideline of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volvo V50 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If you are paying in excess of $700 a year for full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Volvo V50 Insurance Costs Can Be Lower

An important part of buying insurance is that you know the different types of things that play a part in calculating your policy premiums. If you have a feel for what determines premiums, this enables you to make decisions that can help you get lower premium levels.

The following are some of the things used by companies to determine your rates.

Careless drivers pay higher prices – Attentive drivers receive lower rates than bad drivers. Having just one chargeable violation may increase your cost to the point where it’s not affordable. Drivers who have gotten dangerous tickets like DUI or reckless driving may find they need to complete a SR-22 with their state DMV in order to drive a vehicle legally.

The diagram below highlights how speeding tickets and at-fault claims can affect Volvo V50 insurance rates for different categories of driver ages. The price estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

High premiums for youthful drivers – Drivers with little experience are known to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher. If you’ve ever had to add a beginning driver to your insurance policy can be quite pricey. Older, more experienced drivers are shown to be more cautious, are lower risk to insure, and are generally more financially stable.

The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Extra coverages push up costs – Policies have extra coverages that can waste your money on your insurance policy. Add-on coverages like roadside assistance, towing coverage, and Farm Bureau memberships are examples of these. They may sound like good ideas when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.

Use but don’t abuse your insurance – Car insurance companies in Pennsylvania give the best rates to policyholders who are claim-free. If you file a lot of claims you can definitely plan on higher rates. Your car insurance is intended to be relied upon for the large, substantial claims.

Always have insurance – Not having insurance is against the law and you will pay a penalty because you let your insurance lapse for non-payment. Not only will you pay higher rates, getting caught without coverage may result in a hefty fine and possibly a revoked license.

Insurance quotes from local neighborhood Pittsburgh car insurance agents

A small number of people would rather visit with an insurance agent and there is nothing wrong with that. Professional insurance agents are highly skilled in risk management and help you file claims. The best thing about getting online price quotes is that drivers can save money and get cheaper car insurance rates and still have a local agent.

Insurance agency in PittsburghAfter completing this form (opens in new window), your insurance data is instantly submitted to participating agents in Pittsburgh who can give free rate quotes for your insurance coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go immediately to you. If you need to get a rate quote from a particular provider, you just need to jump over to their website and fill out the quote form the provide.

Picking the best insurer requires more thought than just the quoted price. You should also get answers to these questions.

If you want a local agent, it can be helpful to understand the different types of agents that you can select. Agents can be described as either independent agents or exclusive agents depending on their employer. Either one can insure your vehicles, but it’s worth mentioning the subtle differences since it can impact which agent you choose.

Exclusive Insurance Agents

Agents in the exclusive channel write business for a single company and some examples include State Farm, Allstate and AAA. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained on their company’s products which helps them sell on service rather than price.

Shown below are exclusive insurance agencies in Pittsburgh willing to provide price quote information.

1900 Murray AvePittsburgh, PA 15217(412) 422-1616View Map

911 Western AvePittsburgh, PA 15233(412) 322-1064View Map

2632 Brownsville RdPittsburgh, PA 15227(412) 884-9700View Map

More Pittsburgh agents

Independent Agents (or Brokers)

Independent agents often have affiliation with several companies so they can insure your vehicles with an assortment of companies and find the cheapest rate. If you want to switch companies, an independent agent can move your coverage which is easy for the insured. When comparison shopping, you will want to include price quotes from at a minimum one independent agency in order to compare the most rates.

Shown below is a short list of independent agencies in Pittsburgh that are able to give price quote information.

4349 Murray AvePittsburgh, PA 15217(412) 521-8600View Map

1350 Old Freeport RdPittsburgh, PA 15238(412) 963-8850View Map

James L Smith Insurance Agency Inc
304 Cochran RdPittsburgh, PA 15228(800) 701-5909View Map

More Pittsburgh agents

Don’t assume everyone needs the same auto insurance coverage

Always remember that when buying coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.Auto insurance savings
For instance, these questions can aid in determining if you might need professional guidance.

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t give up on affordable rates

You just read a lot of techniques to reduce Volvo V50 insurance premium rates online in Pittsburgh. The key concept to understand is the more rate quotes you have, the higher your chance of finding low cost Pittsburgh auto insurance quotes. Consumers could even find that the lowest premium rates are with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

Low-cost Volvo V50 insurance in Pittsburgh can be bought on the web and from local insurance agents, so get free Pittsburgh auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers do not offer the ability to get quotes online and many times these smaller companies only sell through independent agents.

How to find affordable quotes for Volvo V50 insurance in Pittsburgh

If you want to find the absolute lowest rates, then the best way to find the cheapest price for Volvo V50 insurance is to compare prices regularly from providers in Pittsburgh. Drivers can shop around by completing these steps.

Step 1: It will benefit you to learn about car insurance and the things you can change to prevent high rates. Many factors that result in higher prices like speeding tickets, careless driving and your credit history can be eliminated by making minor driving habit or lifestyle changes.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can provide prices from multiple companies.

Step 3: Compare the quotes to the premium of your current policy to see if a cheaper price is available in Pittsburgh. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

The key thing to remember is to try to compare the same level of coverage on each price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and and a good selection of different prices.

More detailed insurance information is available in the articles below: