We don’t have to point out that fact that auto insurance companies don’t want you to compare rates. Consumers who shop around for the cheapest rate are highly likely to switch to a new company because they stand a good chance of finding a policy with more affordable rates. A recent survey revealed that consumers who compared prices once a year saved over $3,500 over four years compared to policyholders who never compared other company’s rates.
If finding the cheapest price for Chrysler Sebring insurance in Pittsburgh is your ultimate target, then having a grasp of how to find and compare auto insurance can make it easier to shop your coverage around.
If you want to save money, the best way to find lower priced Chrysler Sebring insurance in Pittsburgh is to compare prices once a year from different companies in Pennsylvania.
First, spend some time learning about how your policy works and the things you can control to prevent expensive coverage. Many things that result in higher rates like accidents, traffic violations, and a bad credit score can be amended by making minor changes in your lifestyle. Read the full article for additional ideas to help prevent high rates and get bigger discounts that may have been overlooked.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote rates for many different companies.
Third, compare the new rates to your existing coverage and see if there is a cheaper rate. If you can save money and make a switch, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company to cancel your current auto insurance policy and submit a down payment along with a signed application to the new company. When you receive it, keep the new proof of insurance certificate with your registration paperwork.
The most important part of this process is to make sure you enter the same deductibles and limits on each quote and and to compare as many car insurance companies as possible. This enables a level playing field and a complete price analysis.
How to find cheap Chrysler Sebring insurance in Pittsburgh, PA
To find the best auto insurance rates, there are several ways of comparing rate quotes from all the different companies. The easiest way by far to find cheaper rates is to use the internet to compare rates.
Comparing rates online is fast and free, and it makes it a waste of time to waste gas driving to each insurance agency near you. Buying insurance online eliminates this option unless you want the advice and guidance that only an agent can give. Although, it is possible get prices online but buy from a local insurance agent.
Keep in mind that comparing a large number of companies will increase your chances of finding more affordable rates.
The providers in the list below are ready to provide quotes in Pittsburgh, PA. To get the cheapest auto insurance in Pittsburgh, it’s a good idea that you click on several of them to get the best price comparison.
Choosing Chrysler Sebring insurance is an important decision
Even though it can be expensive, maintaining insurance is required in Pennsylvania but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection in order to get the vehicle licensed. 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.
Second, if you have a loan on your car, almost all lenders will have a requirement that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Chrysler at a much higher premium rate and force you to reimburse them the higher price.
Third, insurance preserves not only your vehicle but also your financial assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Sebring more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $700 annually so compare quotes from several companies at every policy renewal to ensure rates are competitive.
Rates and statistics
The coverage table shown next covers different policy rates for Chrysler Sebring models. Being aware of how auto insurance premiums are calculated can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $290 | $506 | $432 | $26 | $130 | $1,384 | $115 |
| Sebring Limited 4-Dr Sedan | $290 | $506 | $432 | $26 | $130 | $1,384 | $115 |
| Sebring LX 2-Dr Convertible | $328 | $506 | $432 | $26 | $130 | $1,422 | $119 |
| Sebring Touring 2-Dr Convertible | $328 | $506 | $432 | $26 | $130 | $1,422 | $119 |
| Sebring Limited 2-Dr Convertible | $364 | $582 | $432 | $26 | $130 | $1,534 | $128 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can revise premiums considerably.
Physical damage deductibles: Should you raise them?
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following tables lay out the difference in cost of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Sebring Limited 4-Dr Sedan | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Sebring LX 2-Dr Convertible | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Sebring Touring 2-Dr Convertible | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Sebring Limited 2-Dr Convertible | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Sebring Limited 4-Dr Sedan | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Sebring LX 2-Dr Convertible | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Sebring Touring 2-Dr Convertible | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Sebring Limited 2-Dr Convertible | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can impact rates substantially.
Using the data above, we can ascertain that using a $100 deductible will cost you about $25 more each month or $300 every year across all Chrysler Sebring models than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 16 months between claim filings, you would save money if you decide on a higher deductible.
Should you buy full coverage?
The example below shows the difference between Chrysler Sebring auto insurance costs with full coverage and liability only. The information is based on a clean driving record, no claims, $100 deductibles, single marital status, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Chrysler Sebring replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the deductible is paid. If you are paying in excess of $400 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Take policy discounts and save on Chrysler Sebring insurance in Pittsburgh
The price of auto insurance can be rather high, but there may be some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time you complete a quote, but a few must be asked for before you get the savings.
- Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 20 to 30 percent.
- Drivers Ed for Students – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Pittsburgh car insurance quote.
- First Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
- Discount for New Cars – Buying a new car model may earn a small discount compared to insuring an older model.
- Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates than less cautious drivers.
- Driver Training Discounts – Passing a course teaching defensive driving skills could save 5% or more if your company offers it.
Drivers should understand that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. But any discount will lower your car insurance premiums.
The diagram below compares Chrysler Sebring insurance premiums with and without policy discounts. The data is based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, homeowner, and multi-car discounts applied.
A few popular companies and their offered discounts can be found below.
- Progressive offers discounts including multi-vehicle, good student, online signing, continuous coverage, online quote discount, and multi-policy.
- AAA offers premium reductions for multi-car, pay-in-full, multi-policy, AAA membership discount, education and occupation, good student, and good driver.
- Farmers Insurance may offer discounts for business and professional, electronic funds transfer, youthful driver, multi-car, pay in full, and distant student.
- GEICO has discounts for five-year accident-free, good student, multi-vehicle, daytime running lights, seat belt use, federal employee, and defensive driver.
- Esurance includes discounts for paid-in-full, Pac-12 alumni, online shopper, defensive driver, and Switch & Save.
- SAFECO policyholders can earn discounts including drive less, anti-lock brakes, safe driver, teen safe driver, anti-theft, and accident prevention training.
- State Farm may include discounts for Drive Safe & Save, good driver, defensive driving training, anti-theft, and multiple autos.
When quoting, ask every prospective company which discounts they offer. All car insurance discounts may not be offered in every state. To view insurers that offer many of these discounts in Pittsburgh, follow this link.
Local agents and car insurance
Some consumers would rather have an agent’s advice and that can be a great decision One of the great benefits of price shopping on the web is you may find cheap car insurance rates and also buy local.
After completing this form (opens in new window), the quote information gets sent to agents in your area that give free quotes for your coverage. There is no need to contact an agency since price quotes are sent straight to your inbox. You can get cheaper car insurance rates and work with a local agent. If you want to compare rates from a specific car insurance provider, you can always visit that company’s website and complete a quote there.
Selecting an provider should include more criteria than just the bottom line cost. You should also get answers to these questions.
- Where would glass claims be handled in Pittsburgh?
- Who is covered by the car insurance policy?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they giving you every discount you deserve?
- Does the agency have a good rating with the Better Business Bureau?
- How often do they review policy coverages?
- Is assistance available after office hours?
If you’re trying to find a reliable agent, it can be helpful to understand the types of insurance agents and how they differ in how they quote coverages. Car insurance agencies can be categorized as either exclusive or independent (non-exclusive).
Exclusive Agencies
Agents in the exclusive channel write business for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are well schooled on sales techniques which helps overcome the inability to quote other rates.
Below are Pittsburgh exclusive insurance agencies that can give you rate quotes.
Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map
Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map
Independent Car Insurance Agents
Agents in the independent channel are not restricted to one company so they have the ability to put coverage with lots of companies and get the cheapest rates. If your premiums go up, they can switch companies in-house which requires no work on your part.
When searching for an agent, you should always contact independent agents to have the best price comparison.
The following is a short list of independent insurance agencies in Pittsburgh that can give you price quote information.
Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
Rodgers Andrew F Insurance Agency Inc
Foster Plaza V, 651 Holiday Dr – Pittsburgh, PA 15220 – (412) 922-1651 – View Map
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map
If you get positive responses and locked in a price quote, you may have just found an insurance agency that can be relied on to properly insure your vehicles.
Do I need special coverages?
Always remember that when buying the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are unique to you.
Here are some questions about coverages that could help you determine if you may require specific advice.
- What can I do if my company won’t pay a claim?
- Why does it cost so much to insure a teen driver in Pittsburgh?
- Is my trailer covered?
- Is my cargo covered for damage or theft?
- Why am I required to buy liability insurance?
- Is motorclub coverage worth it?
- Do they offer discounts for home and auto coverage?
- Are combined or split liability limits better?
- How long can I keep a teen driver on my policy?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.
One last thing to lower rates
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone dropped collision coverage to discover at claim time that it was a big error on their part. The goal is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.
Drivers switch companies for a number of reasons such as policy cancellation, poor customer service, lack of trust in their agent and delays in paying claims. No matter why you want to switch, finding a new company can be easier than you think.
We’ve covered some good ideas how you can lower your Chrysler Sebring insurance rates in Pittsburgh. The key concept to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest rates are with a company that doesn’t do a lot of advertising.
More information is located below:
- What is a Telematics Device? (Allstate)
- What Insurance is Cheapest for Low Mileage Drivers in Pittsburgh? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Pittsburgh? (FAQ)
- How Much are Pittsburgh Car Insurance Rates for a Honda CR-V? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)