If saving money is your primary concern, then the best way to get low-cost Nissan GT-R insurance in Pittsburgh is to regularly compare quotes from insurers who sell insurance in Pennsylvania.
- Spend a few minutes and learn about the different coverages in a policy and the steps you can take to keep rates down. Many things that result in higher rates like speeding tickets, accidents and an unacceptable credit rating can be eliminated by making minor changes to your lifestyle.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of companies. Compare rates
- Compare the new rates to your current policy and determine if there is any savings. If you find a lower rate quote, ensure there is no coverage lapse between policies.
- Provide written notification to your current company of your decision to cancel your existing policy and submit the completed application along with a down payment for the new policy. As soon as you receive it, keep the new certificate of insurance in an easily accessible location.
One thing to remember is to make sure you enter identical coverage information on every quote request and and to get rates from as many different companies as possible. Doing this ensures a level playing field and a complete price analysis.
It’s safe to conclude that car insurance companies don’t want you to look for a cheaper policy. Consumers who rate shop once a year are inclined to buy a different policy because there is a good chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved on average $3,400 over four years compared to those who never compared other company’s rates.
If saving the most money on Nissan GT-R insurance in Pittsburgh is the reason you’re here, learning the best ways to find and compare cheaper coverage can make it easier to shop your coverage around.
Finding the cheapest auto insurance coverage in Pittsburgh seems hard but is not really that difficult. In essence, anyone who is looking for a better price on auto insurance will more than likely find a lower-cost policy. Although Pennsylvania consumers should learn how insurance companies determine premium rates because rates are impacted by many factors.
Finding Nissan GT-R insurance in Pittsburgh, PA
To find inexpensive Pittsburgh car insurance quotes, there are several ways of comparing rate quotes from many different Pennsylvania insurance companies. The best method to find affordable Nissan GT-R insurance rates is to use the internet to compare rates.
When quoting car insurance, remember that obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Not every company does price estimates online, so it’s necessary to compare quotes from the smaller companies as well.
The companies shown below are ready to provide free rate quotes in Pennsylvania. To locate cheap car insurance in Pittsburgh, we suggest you visit two to three different companies to get the best price comparison.
Car insurance protects more than just your car
Even though it’s not necessarily cheap to insure a Nissan in Pittsburgh, paying for car insurance is required in Pennsylvania but also provides important benefits.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage in order to drive the car legally. 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 GT-R with a loan, almost every bank will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may have to buy a policy to insure your Nissan at a much higher premium rate and make you pay for it.
- Car insurance preserves both your assets and your Nissan GT-R. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance definitely exceed the cost, particularly when you have a large claim. Today the average American driver is wasting up to $800 each year so it’s important to compare rates every year to help ensure money is not being wasted.
Rates and statistics
The premium information displayed next showcases detailed analysis of insurance policy prices for Nissan GT-R models. Having a good grasp of how rates are formulated can be of help when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GT-R Premium AWD 2-Dr | $330 | $702 | $286 | $16 | $86 | $1,420 | $118 |
| GT-R AWD 2-Dr | $330 | $702 | $286 | $16 | $86 | $1,420 | $118 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific location information which can influence prices considerably.
Safe drivers Pittsburgh pay cheaper rates
The information below shows how traffic citations and fender-benders drive up Nissan GT-R auto insurance rates for each different age category. The data is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Difference between full coverage and liability only rates
The illustration below illustrates the difference between Nissan GT-R car insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or driving violations, $250 deductibles, single status, and no discounts are taken into consideration.
Should you pay for full coverage or liability only?
There is no clear-cut rule of when to phase out full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Nissan GT-R replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If you are paying over $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Lower-cost Pittsburgh auto insurance rates with discounts
The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Certain credits will be shown at quote time, but occasionally some discounts must be specially asked for before you get the savings.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
- Auto/Home Discount – When you have multiple policies with one insurance company you could save as much as 10 to 15 percent.
- Pittsburgh Homeowners Discount – Owning a home in Pittsburgh may trigger a policy discount on auto insurance because of the fact that having a home shows financial diligence.
- Defensive Driving Course – Completing a class that teaches driver safety techniques could cut 5% off your bill and also improve your driving technique.
- Discounts for Federal Employees – Federal government employees could cut as much as 10% off with certain companies.
- Active Service Discounts – Having an actively deployed family member could qualify you for better rates.
- Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
Keep in mind that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.
The chart below illustrates the difference between Nissan GT-R auto insurance costs with and without discounts applied to the rates. Data assumes a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, multi-car, and marriage discounts applied.
Larger auto insurance companies and a selection of discounts are outlined below.
- State Farm has discounts for good driver, safe vehicle, passive restraint, good student, accident-free, multiple autos, and defensive driving training.
- Esurance may include discounts for DriveSense, multi-car, claim free, safety device, good student, renters, and multi-policy.
- Progressive may have discounts that include multi-vehicle, good student, online quote discount, online signing, homeowner, and continuous coverage.
- Liberty Mutual discounts include hybrid vehicle, new move discount, safety features, preferred payment discount, exclusive group savings, new graduate, and newly retired.
- Auto-Owners Insurance policyholders can earn discounts including air bags, safe vehicle, multiple vehicles, paid in full, paperless, mature driver, and group or association.
- GEICO may offer discounts for driver training, seat belt use, anti-lock brakes, multi-policy, and military active duty.
When quoting, ask all the companies how many discounts you can get. Savings might not be available to policyholders in Pittsburgh. To choose insurers with discount rates in Pittsburgh, click this link.
Shop online but buy locally
Certain consumers would rather get advice from a local agent and there is nothing wrong with that. An additional benefit of getting online price quotes is that drivers can save money and get the best rates and still choose a local agent.
For easy comparison, once you complete this simple form, the quote information is instantly submitted to insurance agents in Pittsburgh who will give competitive quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies since rate quotes are delivered instantly to you. You can find the lowest rates without a big time investment. If for some reason you want to get a rate quote from a specific insurance company, feel free to find their quoting web page and fill out the quote form the provide.
Deciding on a insurer requires more thought than just a cheap quote. The questions below may impact your decision as well.
- Which company do they place the most coverage with?
- Do they offer accident forgiveness?
- Will high miles depreciate repair valuations?
- Do they have cheaper tiers of coverage?
- Will a damage claim use OEM or aftermarket replacement parts?
If you are wanting to find a reputable agency, it’s important to understand the types of agencies that you can select. Auto insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
Agents of this type can only place business with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. They are well schooled on the products they sell and that enables them to sell even at higher rates. A lot of people use the same agent mainly due to the prominence of the brand rather than having low rates.
Listed below are exclusive insurance agencies in Pittsburgh willing to provide comparison quotes.
- Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map - Lindsay Brown – State Farm Insurance Agent
300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030 – View Map - Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
Independent Agencies or Brokers
Independent insurance agents do not sell for just one brand so as a result can place your coverage through lots of different companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency.
When searching for an agent, it’s recommended you include a couple of independent agencies in order to compare the most rates. They also have the ability to place coverage with smaller mutual companies who may have lower rates.
Below are independent insurance agents in Pittsburgh willing to provide price quotes.
- Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map - J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map - Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114 – View Map
Which auto insurance company is best in Pittsburgh?
Buying coverage from the best auto insurance provider can be rather challenging considering how many different companies sell coverage in Pennsylvania. The company ratings listed below can help you select which car insurance companies you want to consider when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
Don’t give up on cheap premiums
Budget-conscious Nissan GT-R insurance can be sourced online and with local Pittsburgh insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer internet price quotes and usually these smaller providers only sell coverage through independent insurance agencies.
Insureds leave their current company for any number of reasons including high rates after DUI convictions, unfair underwriting practices, extreme rates for teen drivers or even lack of trust in their agent. It doesn’t matter why you want to switch switching car insurance companies can be easier than you think.
While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured cut physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.
Additional articles
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh? (FAQ)
- Winter Driving (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)
- Where can I buy Insurance? (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)