If you want to save money, the best way to get discount car insurance rates in Pittsburgh is to start comparing prices regularly from insurers who sell insurance in Pennsylvania. Rates can be compared by completing these steps.
- Spend a few minutes and learn about coverages and the things you can control to keep rates in check. Many risk factors that result in higher prices such as at-fault accidents, speeding tickets, and a not-so-good credit score can be controlled by improving your driving habits or financial responsibility. This article provides more details to help prevent high rates and get discounts that may be overlooked.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies. View prices
- Compare the quotes to the premium of your current policy to determine if you can save on Flex insurance in Pittsburgh. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
An important part of this process is to use the same deductibles and limits on each quote and to quote with as many auto insurance providers as possible. This guarantees the most accurate price comparison and the best price selection.
Regrettably, the vast majority of consumers in Pennsylvania have remained with the same car insurance company for more than four years, and almost half have never even compared quotes to find affordable rates. Consumers in the United States could save as much as 46.5% each year by just shopping around, but they don’t know the amount of money they would save if they switched to a cheaper policy.
When quoting insurance, remember that more quotes increases your odds of finding the best price.
The auto insurance companies shown below provide free quotes in Pennsylvania. If you want cheaper auto insurance in Pittsburgh, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Get cheaper rates on Ford Flex insurance in Pittsburgh with these auto insurance discounts
Some providers do not list every discount they offer very well, so we researched both the well known and the harder-to-find auto insurance savings.
- Memberships – Belonging to qualifying clubs or civic groups could qualify you for a break when getting a Pittsburgh car insurance quote.
- Senior Citizen Rates – Drivers over the age of 55 may receive a small discount on rates.
- One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Resident Student – Any of your kids who are attending college without a vehicle on campus could get you a discount.
- Discount for Multiple Policies – If you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
- Savings for New Vehicles – Buying a new car model can save you some money compared to insuring an older model.
- Onboard Data Collection – Policyholders that allow data collection to study vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
- Anti-lock Brake Discount – Cars with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
- Online Discount – Some insurance companies will provide an incentive just for signing your application over the internet.
- Low Mileage Discounts – Keeping the miles down on your Ford could be rewarded with discounted auto insurance rates on garaged vehicles.
It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.
The example below visualizes the comparison of Ford Flex car insurance costs with and without some available policy discounts. The prices are based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
To choose insurance companies who offer discounts in Pennsylvania, click this link.
Statistics and details
The premium table below outlines detailed analysis of prices for Ford Flex models. Having knowledge of how auto insurance premiums are formulated is important for drivers to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $172 | $264 | $336 | $20 | $100 | $892 | $74 |
| Flex SEL 2WD | $172 | $312 | $336 | $20 | $100 | $940 | $78 |
| Flex SEL AWD | $192 | $312 | $336 | $20 | $100 | $960 | $80 |
| Flex Limited 2WD | $192 | $312 | $336 | $20 | $100 | $960 | $80 |
| Flex Limited AWD | $192 | $312 | $336 | $20 | $100 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates substantially.
Insurance rates by age and gender
The illustration below shows the comparison of Ford Flex auto insurance costs for male and female drivers. The prices are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Difference between full coverage and liability only rates
The illustration below shows the difference between Ford Flex auto insurance costs with and without full coverage. The price estimates are based on no claims or driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
When to buy liability coverage only
There is no exact rule to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Ford Flex replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after you pay the deductible. If premium cost is more than $300 a year for full coverage, then it could be time to drop full coverage.
There are some situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Learn How to Lower Your Insurance Premiums
Multiple criteria are used in the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, but other criteria are more transparent such as your credit history and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that help determine the price you pay for auto insurance. If you know what impacts premium levels, this allows you to make good choices that could result in better auto insurance rates.
Shown below are some of the things used by your company to calculate premiums.
- Avoid unnecessary extra policy coverages – There are a ton of additional extra coverages that can add up when buying auto insurance. Insurance for replacement cost coverage, accident forgiveness, and motor club memberships may not be needed and are just wasting money. They may seem good when buying your policy, but if they’re wasting money remove them and pocket the money.
- Lower stress equals lower rates – Do you have a high-stress occupation? Occupations such as military generals, police officers, and emergency personnel are shown to have higher premiums than the average policyholder attributed to intense work requirements and long work days. Other careers such as actors, historians and the unemployed generally pay rates lower than average.
- Credit rating impact auto insurance rates – Having a bad credit score can be an important factor in determining premium rates. Drivers who have excellent credit tend to be better risks to insure as compared to drivers with bad credit. If your credit could use some work, you could pay less to insure your Ford Flex if you clean up your credit.
- Small claims can cost you – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance companies in Pennsylvania generally give most affordable rates to policyholders who only file infrequent claims. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Proper usage rating affects premiums – The higher the miles on your Ford every year the more you will pay for auto insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than those that get driven frequently. Verify your auto insurance policy shows the proper vehicle usage. Having the wrong rating on your Flex can cost quite a bit.
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With age comes lower prices – Mature drivers have been proven to be more responsible, tend to file fewer claims, and receive fewer citations. Beginning drivers are known to be careless and easily distracted with other occupants in the car so they pay higher auto insurance rates.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Single drivers take more risk – Getting married may save some money on your auto insurance bill. Marriage demonstrates that you tend to be less irresponsible and statistics show being married results in fewer claims.
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Ford Flex claim statistics – Insurers analyze historical claim data to help set a rate to offset losses. Models that historically have higher claim amounts or frequency will have higher rates for specific coverages. The table below illustrates the historical loss data for Ford Flex vehicles.
For each coverage type, the claim amount for all vehicles averaged together is represented as 100. Numbers shown that are under 100 indicate better than average losses, while numbers that are greater than 100 indicate more frequent losses or statistically larger losses.
Insurance Loss Ratings for Ford Flex Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford Flex 4dr 2WD 89 84 107 91 100 87 Ford Flex 4dr 4WD 105 84 119 77 79 75 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Comparing prices from local Pittsburgh auto insurance agents
Some people just want to buy from a licensed agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find lower rates but also keep your business local. Putting coverage with local agents is important especially in Pittsburgh.
By using this quick form, the quote information gets sent to local insurance agents who want to provide quotes for your insurance coverage. It makes it easy because there is no need to search for an agent because quoted prices will be sent directly to you. You can find lower rates and a licensed agent to work with. In the event you want to compare rates from a specific company, you would need to jump over to their website and submit a quote form there.
Compare rates from both independent and exclusive car insurance agents
If you want to buy insurance from local Pittsburgh agents, it can be helpful to understand the types of agencies and how they function. Insurance agents in Pittsburgh can be described as either independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
Independent agencies do not work for one specific company and that gives them the ability to insure through many companies and get the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to do anything. If you are trying to find cheaper rates, we recommend you compare prices from at least one independent agent so that you can do a thorough price comparison. They often place coverage with smaller mutual companies who may have lower rates.
Below are independent insurance agencies in Pittsburgh that can give you free rate quotes.
- Casper Insurance Agency, Inc.
611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map - McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470 – View Map - A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581 – View Map
Exclusive Agencies
Exclusive agencies can only provide one company’s prices and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Drivers often buy from the same agent for years mainly due to the brand legacy instead of buying on price only.
Below is a list of exclusive agents in Pittsburgh who can help you get comparison quotes.
- Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map - Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map - George O’Korn – State Farm Insurance Agent
4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182 – View Map
Selecting an insurance agency is decision based upon more than just a cheap quote. A good agent in Pittsburgh will have answers to these questions.
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Can you contact them at any time?
- How is replacement cost determined on your vehicle?
- What kind of financial rating does the company have?
- Do the coverages you’re quoting properly cover your vehicle?
- How much will you save each year by using a higher deductible?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do you work with a CSR or direct with the agent?
It’s not one size fits all
When quoting and choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.
- Can I still get insurance after a DUI?
- How can I force my company to pay a claim?
- When should I drop full coverage on my Ford Flex?
- Does my policy cover me when driving someone else’s vehicle?
- Are rock-chip repairs free?
- Do I need PIP coverage since I have good health insurance?
- Should I pay a claim out-of-pocket?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.
Cheap coverage is out there
Consumers who switch companies do it for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, extreme rates for teen drivers and being labeled a high risk driver. It doesn’t matter what your reason, finding a new insurance company can be pretty painless.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut liability limits or collision coverage and learned later that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost while still protecting your assets.
We just covered many ways to compare Ford Flex insurance premium rates in Pittsburgh. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier.
Additional insurance information can be read below:
- Bodily Injury Coverage (Liberty Mutual)
- How Much is Auto Insurance for Infrequent Drivers in Pittsburgh? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in Pittsburgh? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- Neck Injury FAQ (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)