The words “cheap” and “insurance” really shouldn’t be used in the same sentence, specifically when you are trying to find the best car insurance for real estate agents. To help control this cost, let’s open your eyes to some of the things that significantly impact insurance rates, and come up with some ideas to lower the price of the next policy you buy.
The vehicle model needing coverage is probably the biggest factor when quoting the best cheap auto insurance for real estate agents. Vehicles with lots of speed or power, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The next list presents coverage costs for a selection of the cheaper automobiles to insure in Pennsylvania.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,095 |
| Ford Escape XLS 4WD | $1,226 |
| Toyota Camry LE | $1,269 |
| GMC Sierra SLE Regular Cab 2WD | $1,274 |
| Chevrolet Malibu Hybrid | $1,269 |
| Dodge Grand Caravan SXT | $1,292 |
| Honda Civic VP 4-Dr Sedan | $1,308 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,311 |
| Honda Accord LX-P 4-Dr Sedan | $1,313 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,358 |
| Ford F-150 Lariat King Ranch 2WD | $1,364 |
| Ford Fusion SEL 4-Dr Sedan | $1,358 |
| Toyota Prius | $1,360 |
| Nissan Rogue SL 2WD | $1,363 |
| Ford Explorer XLT 4WD | $1,374 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in garaging location in Pittsburgh, PA which can change prices greatly.
Looking at the data, we can tell that makes and models like the Honda CR-V, Ford Escape, and Toyota Camry should be the most budget-friendly vehicles to insure for realtors.
One of the many things that determine the amount you pay for auto insurance is where your residence is in Pittsburgh. Areas with increased crime or more people likely pay more, whereas less populated areas tend to receive slightly lower rates.
The next table sorts the most costly cities in Pennsylvania for real estate agents to purchase car insurance in. Pittsburgh comes in at #11 with a yearly premium of $1,085 for the average policy, which is approximately $90 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,504 |
| 3 | Levittown | $1,407 |
| 4 | Chester | $1,393 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,130 |
| 7 | Municipality of Monr | $1,091 |
| 8 | Plum | $1,089 |
| 9 | Hazleton | $1,088 |
| 10 | Bethlehem | $1,087 |
| 11 | Pittsburgh | $1,085 |
| 12 | Erie | $1,082 |
| 13 | Wilkes-Barre | $1,079 |
| 14 | Reading | $1,077 |
| 15 | Easton | $1,058 |
| 16 | Scranton | $1,049 |
| 17 | New Castle | $1,026 |
| 18 | Bethel Park | $1,019 |
| 19 | Altoona | $1,012 |
| 20 | Harrisburg | $995 |
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Premium amounts are estimated as the vehicle garaging location can revise price quotes noticeably.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to obtain the most affordable insurance premiums for realtors is to drive carefully and maintain a clean driving record. The illustration below shows how violations and at-fault claims can increase car insurance rates for each different age category. The data assumes a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,889. Receive one speeding ticket and the average cost increases to $2,124, an increase of $235 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for real estate agents goes up to an average of $4,121. That’s an increase of $2,232, or $186 per month, just for being a little careless behind the wheel!
Pittsburgh insurance company ratings
Choosing a good quality car insurance provider is hard considering how many companies provide coverage in Pennsylvania. The information shown below can help you decide which companies to look at when buying insurance for real estate agents.
The ratings below are only comprised of companies that insure vehicles across America, so companies that have a smaller presence are not factored into the list. To compare prices from many more Pennsylvania auto insurance companies, click this link.
Top 10 Major Auto Insurers Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Discount Pittsburgh insurance
Insurance providers that offer coverage for real estate agents may provide price discounts that may potentially lower prices by 30% or more if you meet eligibility requirements. Larger insurance companies and a summarized list of policyholder discounts are included below.
- State Farm may offer discounts for good driver, driver’s education, multiple policy, defensive driving training, good student, and Steer Clear safe driver discount.
- Progressive may include discounts for homeowner, online signing, good student, continuous coverage, multi-vehicle, and online quote discount.
- Travelers has discounts for hybrid/electric vehicle, good student, early quote, new car, and driver training.
- American Family policyholders can earn discounts including air bags, early bird, good student, good driver, mySafetyValet, and multi-vehicle.
- Liberty Mutual discounts include newly retired, hybrid vehicle, teen driver discount, exclusive group savings, multi-policy, good student, and preferred payment discount.
The information below shows the comparison of car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, multiple policy, safe-driver, claim-free, defensive driving course, and accident-free discounts applied. When discounts are applied, theaverage yearly reduction on insurance for real estate agents is 28% or $666.