It’s a known fact that car insurance companies want to keep you from comparing rates. Consumers who shop around are inclined to switch auto insurance companies because there is a great chance of finding a lower-cost company. A recent survey discovered that consumers who compared rates annually saved about $3,450 over four years compared to people who never compared other company’s rates.
If finding the best price on car insurance is the reason you’re here, then understanding the best way to quote and compare car insurance can help make the process easier and more efficient.
Really, the only way to save money on Volkswagen Atlas insurance in Pittsburgh is to compare prices regularly from insurance carriers that insure vehicles in Pennsylvania. This can be done by following these guidelines.
- Take a little time to learn about individual coverages and the factors you can control to keep rates down. Many factors that drive up the price like speeding tickets, accidents and an imperfect credit history can be improved by paying attention to minor details.
- Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new rates to your current policy and determine if cheaper Atlas coverage is available. If you can save some money, verify that coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel your current coverage. Submit any necessary down payment along with the completed application to the new insurer. Immediately place your new proof of insurance paperwork in your vehicle.
An important bit of advice to remember is to try to use similar limits and deductibles on each price quote and to quote with every company you can. This ensures the most accurate price comparison and a thorough price selection.
Buying the cheapest car insurance in Pittsburgh is not that difficult as long as you know where to start. If you are insured now, you stand a good chance to be able to save money using the techniques presented in this article. Shoppers just have to learn the proper methods to compare prices on the web.
Most of the larger companies such as Allstate, GEICO and Progressive make it easy to get prices for coverage directly from their websites. Obtaining pricing for Volkswagen Atlas insurance in Pittsburgh is quite simple as you simply type in your personal and coverage information into the form. When the form is submitted, the system makes automated requests for reports for credit and driving violations and generates a price. Quoting online for Volkswagen Atlas insurance in Pittsburgh makes it a lot easier to compare rates and it is important to compare as many rates as possible if you want to get the lowest possible payments on insurance.
To quickly find out if lower rates are available, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with the insurance coverages as shown on your current policy. Doing this assures you will have a rate comparison using the same coverage and limits.
The car insurance companies shown below are our best choices to provide free rate quotes in Pennsylvania. To buy cheaper car insurance in Pittsburgh, it’s highly recommended you compare several of them to get the best price comparison.
You Can Change Your Insurance Rates
Lots of things are considered when quoting car insurance. Most are fairly basic such as traffic violations, but some are not quite as obvious like your vehicle usage or your vehicle rating. Smart consumers have a good feel for some of the things that come into play when calculating your premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that may result in big savings.
The itemized list below are some of the most rate-impacting factors used by insurance companies to determine your rates.
- Car insurance liability limits – Liability coverage kicks in if ever you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.
- More traffic equals higher rates – Choosing to live in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Less people means less chance of accidents in addition to lower liability claims. Residents of big cities tend to have more aggressive driving styles and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
- Save money by eliminating extra policy coverages – Insurance policies have a lot of additional coverages that you can buy if you aren’t careful. Add-on coverages like roadside assistance, better glass coverage, and additional equipment coverage are probably not needed. These coverages may sound good when buying your policy, but your money might be better spent on other coverage so remove them and pocket the money.
- Younger drivers cost more – Older people are viewed as being more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets. Teen drivers have been known to be careless and easily distracted when driving with friends so they pay higher auto insurance rates.
- Traffic violations drive up rates – Even a single ticket can increase the cost of insurance by twenty percent. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to keep their license.
- Pay more out-of-pocket – Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims could be rear-ending another vehicle, fire damage, and damage from wind. The more you choose to pay out-of-pocket, the less your auto insurance will be.
Three reasons to insure your Atlas
Despite the potentially high cost of Volkswagen Atlas insurance, paying for car insurance is not optional due to several reasons.
- Just about all states have mandatory insurance requirements which means the state requires specific limits of liability in order to be legal. 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 you bought your Volkswagen Atlas with a loan, most lenders will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Volkswagen for a much higher rate and require you to reimburse them much more than you were paying before.
- Car insurance protects both your assets and your Volkswagen. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage.
The benefits of having car insurance more than cancel out the cost, particularly if you ever have a claim. Today the average American driver overpays more than $869 every year so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Pennsylvania auto insurance companies
Buying coverage from a highly-rated auto insurance company can be difficult considering how many companies sell insurance in Pennsylvania. The ranking data displayed below may help you select which coverage providers you want to consider to insure your vehicles.
Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+