Shockingly, almost 70% of drivers have purchased from the same company for well over three years, and approximately 40% of consumers have never shopped around. Consumers in Pennsylvania could cut their rates by nearly $700 a year by just shopping around, but they just assume it takes a lot of time to save money by comparing rate quotes.
The best way we recommend to find the cheapest price for Subaru WRX insurance in Pittsburgh is to compare quotes once a year from insurers who sell auto insurance in Pennsylvania. Rate comparisons can be done by following these guidelines.
Step 1: Try to learn a little about how car insurance works and the factors you can control to keep rates low. Many policy risk factors that cause high rates like traffic violations and a poor credit score can be controlled by making small lifestyle or driving habit changes.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the quotes to your current policy premium to see if a cheaper rate is available. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
Step 4: Provide notification to your current company of your intent to cancel your current auto insurance policy. Submit a down payment along with a completed application to the new company. As soon as you can, keep the new proof of insurance paperwork in an easily accessible location in your vehicle.
The key thing to remember is that you’ll want to compare identical coverages on every price quote and and to get rates from as many companies as feasibly possible. Doing this provides a fair rate comparison and the best rate selection.
If you have a policy now, you will most likely be able to find better prices using the ideas you’re about to read. Shopping for the lowest cost coverage in Pittsburgh is not that difficult. Nevertheless, Pennsylvania vehicle owners need to have an understanding of how big insurance companies determine premium rates and use this information to your advantage.
Most larger insurance companies like GEICO, State Farm and Progressive allow consumers to get insurance quotes online. Getting Subaru WRX insurance prices online is quite simple as you just type in the coverages you want on the page. After the form is submitted, the system obtains your driving record and credit report and generates a price based on many factors.
This makes it simple to compare prices and it’s also necessary to get many rate quotes if you want to get a better rate.
To find out how much you can save on auto insurance, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended that you enter the insurance coverages identical to your current policy. This helps ensure you will have comparison quotes for similar coverage.
The companies in the list below are our best choices to provide comparison quotes in Pittsburgh, PA. If you want the best cheap auto insurance in Pittsburgh, we suggest you get prices from several of them in order to find the most affordable rates.
Protect your Subaru vehicle and other assets
Even though it can be expensive, insuring your vehicle serves a purpose in several ways.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a 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.
- If your Subaru WRX has a loan, it’s guaranteed your bank will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Subaru at a significantly higher premium and require you to reimburse them for it.
- Insurance protects both your vehicle and your assets. It will also cover all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If you have damage to your Subaru as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having insurance more than offset the price you pay, especially for larger claims. But the average driver in Pennsylvania is wasting up to $700 annually so you should quote rates once a year at a minimum to help ensure money is not being wasted.
Don’t assume everyone needs the same auto insurance coverage
Always remember that when buying proper insurance coverage, there really is not 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.
For example, these questions could help you determine if your situation may require specific advice.
- When would I need additional glass coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When can I cancel my policy?
- Does my Subaru WRX qualify for pleasure use?
- Do I benefit by insuring my home with the same company?
- Is my teen driver covered when they drive my company car?
- Am I covered when pulling a rental trailer?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
What car insurance coverages do you need?
Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like prosthetic devices, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Collision – This coverage will pay to fix damage to your WRX from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like crashing into a building, scraping a guard rail, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your WRX to bring the cost down.
Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like hitting a bird, rock chips in glass, damage from flooding and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Subaru WRX.
Since many Pennsylvania drivers have only the minimum liability required by law (Pennsylvania limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liability limits.
Liability auto insurance – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. 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. Your policy might show values of 15/30/5 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, court costs, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible. Pennsylvania state minimum liability requirements are 15/30/5 but you should consider buying more coverage.
The illustration below demonstrates why the minimum limit may not be high enough to adequately cover claims.
Pennsylvania car insurance companies
Buying coverage from a highly-rated car insurance provider can be a challenge considering how many choices you have in Pittsburgh. The company ratings listed below can help you select which companies to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Affordable car insurance premiums are out there
As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.
In this article, we presented some good ideas how to shop for Subaru WRX insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on car insurance is with the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
Additional information can be read at these links:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
- How Much is Pittsburgh Auto Insurance for a Chevrolet Silverado? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)