The easiest way to find low-cost auto insurance rates in Pittsburgh is to start doing a yearly price comparison from insurers in Pennsylvania.
- First, take a little time to learn about how companies set rates and the measures you can take to prevent high rates. Many rating factors that result in higher rates such as your driving record and an imperfect credit rating can be amended by making small lifestyle or driving habit changes.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices for many different companies. View insurance agents
- Third, compare the new quotes to your current policy to see if a cheaper price is available. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
The key aspect of shopping around is to use similar coverage information on each quote request and and to get price quotes from as many car insurance companies as possible. Doing this enables a fair price comparison and a thorough selection of prices.
It’s a known fact that car insurance companies want to keep you from comparing prices. Drivers who rate shop once a year are inclined to switch car insurance companies because they stand a good chance of finding lower rate quotes. A recent car insurance study revealed that consumers who did price comparisons regularly saved about $70 a month compared to those who never compared prices.
If finding the cheapest price for Hyundai Sonata insurance is your objective, then having an understanding of how to find and compare coverages can make it easier to find better rates.
If you are insured now or need a new policy, use these tips to reduce premiums while maximizing coverage. Locating the best rates in Pittsburgh is not rocket science. You just have to know the most time-saving way to compare prices from many different companies online.
Determine discounts on Pittsburgh auto insurance
Some insurers don’t always list all their discounts very clearly, so below is a list some of the more common as well as some of the hidden discounts that may be available.
- Home Ownership Discount – Just owning your own home can save you money due to the fact that maintaining a home requires personal responsibility.
- Sign Early and Save – A few larger companies allow discounts for buying a policy before your current expiration date. This can save 10% or more.
- Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
- 55 and Retired – Seniors can possibly qualify for a small discount on rates.
- Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on Sonata insurance in Pittsburgh.
- Savings for New Vehicles – Buying a new car model can save you some money since newer vehicles have better safety ratings.
- Military Deployment Discount – Having a deployed family member could qualify you for better prices.
- Paper-free Discount – Some of the larger companies will give you a small discount for buying a policy and signing up on the web.
Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.
The example below illustrates the comparison of Hyundai Sonata insurance premiums with and without discounts being applied to the rates. The costs are based on a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, claim-free, and multi-policy discounts applied.
A list of companies and some of the discounts can be found below.
- State Farm offers premium reductions for student away at school, passive restraint, good student, Steer Clear safe driver discount, and accident-free.
- GEICO has discounts for good student, membership and employees, seat belt use, air bags, daytime running lights, five-year accident-free, and defensive driver.
- Liberty Mutual includes discounts for new vehicle discount, exclusive group savings, newly retired, new graduate, and hybrid vehicle.
- The Hartford policyholders can earn discounts including anti-theft, air bag, defensive driver, driver training, vehicle fuel type, and good student.
- MetLife discounts include good driver, multi-policy, defensive driver, accident-free, claim-free, and good student.
- Progressive may offer discounts for multi-policy, homeowner, continuous coverage, online quote discount, and multi-vehicle.
When comparing rates, check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your state.
Cutting your Pittsburgh car insurance rates is not a difficult process. Drivers just need to invest a few minutes comparing price quotes to see which company has affordable Hyundai Sonata insurance quotes.
Doing price comparisons online is so simple that it takes the place of having to make phone calls or go to insurance agencies in your area. The ability to get quotes online makes this process obsolete unless you require the professional guidance that only a licensed agent can provide. It is possible with some companies get prices online but purchase the actual policy in an agency.
The following companies are our best choices to provide price comparisons in Pennsylvania. If your goal is to find cheap auto insurance in PA, we suggest you click on several of them in order to find the most affordable rates.
Rate information and statistics
The premium information shown next covers detailed analysis of prices for Hyundai Sonata models. Having a good understanding how insurance quotes are determined can assist in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $230 | $426 | $502 | $30 | $150 | $1,338 | $112 |
| Sonata GLS 4-Dr Sedan | $230 | $426 | $502 | $30 | $150 | $1,338 | $112 |
| Sonata GLS 4-Dr Sedan | $230 | $426 | $502 | $30 | $150 | $1,338 | $112 |
| Sonata SE 4-Dr Sedan | $230 | $502 | $502 | $30 | $150 | $1,414 | $118 |
| Sonata SE 4-Dr Sedan | $230 | $502 | $502 | $30 | $150 | $1,414 | $118 |
| Sonata Limited 4-Dr Sedan | $260 | $502 | $502 | $30 | $150 | $1,444 | $120 |
| Sonata Limited 4-Dr Sedan | $260 | $502 | $502 | $30 | $150 | $1,444 | $120 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in garaging location in Pittsburgh which can influence premiums considerably.
The illustration below shows how different deductible levels and can affect Hyundai Sonata insurance costs for different ages of insureds. The price estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
How violations and accidents impact rates
The example below highlights how traffic violations and at-fault fender-benders can influence Hyundai Sonata annual premium costs for different age groups of insureds. The premiums assume a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Price comparison of only insuring for liability
The chart below illustrates the difference between Hyundai Sonata premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims or violations, $250 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There isn’t a steadfast formula that works best for making the decision to drop full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Hyundai Sonata replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after the policy deductible has been paid. If you are paying in excess of $800 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
Local Pittsburgh insurance agents
Many people still prefer to talk to an insurance agent and that is recommended in a lot of cases Experienced insurance agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of getting free rate quotes online is that you can find lower rates and also buy local. Buying from local insurance agents is important particularly in Pittsburgh.
To help locate an agent, after submitting this simple form, the coverage information gets sent to local insurance agents who will give you bids for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go directly to your email. If for some reason you want to get a rate quote from one company in particular, you can always go to their quote page and complete a quote there.
When looking for a local insurance agency, you need to know there are two types of insurance agents and how they function. Agents may be either independent or exclusive. Either can sell and service insurance coverage, but it’s worth learning how they are different since it can affect your selection of an agent.
Independent Insurance Agencies
Agents of this type do not write with just one company so they can quote policies through many companies and find you the best rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. If you need lower rates, you should always get rate quotes from independent agents so that you can do a thorough price comparison.
Listed below are independent insurance agents in Pittsburgh that may be able to provide free price quotes.
T.W. Butts Insurance Agency
4893 Campbells Run Rd – Pittsburgh, PA 15205 – (412) 787-7800 – View Map
Feeney Insurance Agency
1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850 – View Map
James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 – View Map
Exclusive Insurance Agents
These agents can only quote rates from one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on what they offer and that allows them to sell at a higher price point.
Listed below are Pittsburgh exclusive insurance agents willing to provide price quotes.
Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
David Masters – State Farm Insurance Agent
1900 Murray Ave – Pittsburgh, PA 15217 – (412) 422-1616 – View Map
Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map
Finding the right car insurance agent is decision based upon more than just the price. These are valid questions to ask:
- Do they have cheaper tiers of coverage?
- Does the quote include credit and driving reports?
- Are you getting all the discounts the company offers?
- If you raise deductibles, how much can you save?
- Does the company use OEM repair parts?
- How much training do they have in personal risk management?
Final considerations
Cheaper Hyundai Sonata insurance in Pittsburgh can be bought on the web and from local agencies, so you need to shop Pittsburgh auto insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer online rate quotes and most of the time these small, regional companies only sell through local independent agents.
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the lowest possible cost.
We just showed you a lot of ways to get a better price on Hyundai Sonata insurance in Pittsburgh. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm and Allstate.
Additional information is available on the following sites:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Pittsburgh? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Corolla in Pittsburgh? (FAQ)
- How Much are Car Insurance Quotes for Drivers with a DUI in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance for Low Credit Scores? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Five Mistakes to Avoid (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)