The recommended way to find cheaper auto insurance rates in Pittsburgh is to compare prices once a year from insurance carriers in Pennsylvania. You can compare rates by following these steps.
First, it will benefit you to learn about car insurance and the things you can change to prevent rate increases. Many factors that drive up the price like speeding and your credit history can be controlled by making minor changes to your lifestyle.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while independent agencies can quote rates from many different companies.
Third, compare the new rate quotes to your current policy to see if a cheaper rate is available in Pittsburgh. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give notification to your current company to cancel your current policy and submit a signed application and payment to your new carrier. Once the paperwork is finalized, put the new proof of insurance paperwork in your glove compartment.
The key thing to remember is to make sure you enter identical coverages on each price quote and and to get rate quotes from as many companies as possible. This guarantees an apples-to-apples comparison and maximum price selection.
Amazingly, a recent NerdWallet.com study showed that a large majority of drivers renewed their policy with the same company for four years or more, and nearly half have never compared rates from other carriers. Pittsburgh drivers can save as much as 55% each year, but they assume it’s a waste of time to find affordable rates by getting comparison quotes.
Best companies for competitive Saab 9-3 insurance in Pennsylvania
The providers in the list below are ready to provide comparison quotes in Pittsburgh, PA. If your goal is to find the cheapest auto insurance in Pittsburgh, it’s a good idea that you get prices from several of them to find the lowest car insurance rates.
Insurance coverage details
The coverage table shown next outlines a range of insurance policy prices for Saab 9-3 models. Learning how auto insurance policy rates are determined can help drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $246 | $520 | $316 | $18 | $94 | $1,194 | $100 |
| 9-3 2.0T Station Wagon | $246 | $520 | $316 | $18 | $94 | $1,194 | $100 |
| 9-3 2.0T XWD 4-Dr Sedan | $246 | $520 | $316 | $18 | $94 | $1,194 | $100 |
| 9-3 Aero 4-Dr Sedan | $276 | $598 | $316 | $18 | $94 | $1,302 | $109 |
| 9-3 2.0T 2-Dr Convertible | $276 | $598 | $372 | $22 | $112 | $1,380 | $115 |
| 9-3 2.0T XWD Station Wagon | $276 | $598 | $316 | $18 | $94 | $1,302 | $109 |
| 9-3 Aero Station Wagon | $276 | $598 | $316 | $18 | $94 | $1,302 | $109 |
| 9-3 Aero XWD 4-Dr Sedan | $276 | $598 | $316 | $18 | $94 | $1,302 | $109 |
| 9-3 Aero 2-Dr Convertible | $304 | $678 | $372 | $22 | $112 | $1,488 | $124 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in garaging location in Pittsburgh which can lower or raise price quotes significantly.
Safe drivers pay less for car insurance
The diagram below illustrates how speeding tickets and at-fault collisions impact Saab 9-3 car insurance rates for each different age category. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Full coverage versus liability-only in Pittsburgh
The illustration below illustrates the difference between Saab 9-3 insurance costs with full coverage and liability only. The premium estimates are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no written rule of when to drop full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Saab 9-3 settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If it’s costing you more than $400 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Lower the Price of Auto Insurance with These Tips
Many different elements are taken into consideration when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are less obvious like your continuous coverage or how safe your car is. When buying auto insurance it’s important to understand the rating factors that are used to determine your policy premiums. When you understand what determines premiums, this allows you to make good choices that may reward you with cheaper rates.
The factors shown below are some of the major factors companies use to determine rates.
Multi-policy discounts can save money – The majority of auto insurance companies will give a discount to buyers who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, drivers will still want to shop around to make sure you are getting the best deal. Drivers may still save even more by insuring with multiple companies.
Policy add-ons can waste money – There are quite a few extra coverages that sound like a good idea at the time but may not be useful. Insurance for things like rental car reimbursement, accident forgiveness, and extra life insurance coverage are some examples. They may seem good when deciding what coverages you need, but if you don’t need them remove them from your policy.
Lower rates for married couples – Having a wife or husband may cut your premiums on auto insurance. It translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
Your address can influence price – Living in less populated areas can save you money when insuring your vehicles. People in densely populated areas have to deal with traffic congestion and longer commutes to work. Less people corresponds to lower accident rates in addition to lower liability claims.
High comp and collision deductibles equal low rates – Protection for physical damage, aka comp and collision, insures against damage to your Saab. Examples of covered claims are colliding with a building, damage from fire, and burglary. Physical damage deductibles tell how much you are willing to pay if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.
Fewer miles means better prices – The higher the miles on your Saab every year the higher your rates will be. Most insurance companies apply a rate based upon how much you drive. Autos that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your auto insurance declarations sheet shows how each vehicle is driven. Incorrect rating for your 9-3 may be costing you higher rates.
Does your occupation raise your rates? – Jobs such as real estate brokers, business owners, and stock brokers usually pay higher premiums than the average policyholder due to stressful work requirements and lengthy work days. On the other hand, careers like scientists, students and homemakers have lower than average premiums.
Lower rates by qualifying for discounts
The price of auto insurance can be rather high, but you might find some hidden discounts to reduce the price significantly. Certain credits will be shown when you quote, but less common discounts must be manually applied before you will receive the discount. If you don’t get every credit possible, you are throwing money away.
- Discount for Good Grades – Being a good student can earn a discount of 20% or more. This discount can apply until age 25.
- ABS Brakes – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more on 9-3 insurance in Pittsburgh.
- Senior Citizen Discount – Mature drivers can get a discount up to 10%.
- Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same company you will save up to 20% off your total 9-3 insurance premium.
- Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in school.
- Military Discounts – Having a deployed family member may qualify for rate reductions.
- Defensive Driver – Taking part in a defensive driving course could earn you a small percentage discount and make you a better driver.
As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you could get a free car insurance policy, insurance companies wouldn’t stay in business. Any qualifying discounts should help lower your policy premiums.
The illustration below illustrates the comparison of Saab 9-3 insurance rates with and without discounts applied to the rates. The costs are based on a male driver, no claims or driving violations, 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 safe-driver, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.
Some companies who might offer these benefits possibly include:
If you want affordable Pittsburgh car insurance quotes, ask every company which credits you are entitled to. Savings might not be offered in your state. To find car insurance companies with discount rates in Pennsylvania, click here to view.
When should I contact an insurance agent?
A small number of people just prefer to talk to a local agent and that is recommended in a lot of cases The biggest benefit of getting free rate quotes online is that you can obtain cheap insurance quotes and still choose a local agent.
Upon completion of this quick form, your insurance coverage information is emailed to local insurance agents in Pittsburgh that can provide free Pittsburgh car insurance quotes for your insurance coverage. You don’t have to search for any insurance agencies as quotes are delivered immediately to your email address. You can find lower rates and a licensed agent to talk to. If you need to get a price quote from a particular provider, you can always jump over to their website and complete a quote there.
Finding a good insurance company needs to be determined by more than just the price. You should also get answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Will one accident increase rates?
- Is there a local claims center in Pittsburgh?
- Is insurance their full-time profession?
- Is assistance available after office hours?
- Are all drivers listed on the coverage quote?
- Do they prorate repair cost based on vehicle mileage?
Exclusive and independent Pittsburgh car insurance agents
If you want a local Pittsburgh insurance agency, it can be helpful to understand the different agency structures and how they are slightly different. Agencies in Pittsburgh can be classified as either independent or exclusive depending on the company they work for.
Exclusive Agencies
Exclusive insurance agents have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so always compare other rates. Exclusive agents are usually well trained on their company’s products and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance agencies in Pittsburgh who can help you get price quote information.
Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 – View Map
Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map
Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not limited to a single company and that allows them to write policies with a variety of different insurance companies and get you the best rates possible. If you want to switch companies, they simply move the coverage in-house which is easy for the insured.
When searching for an agent, you absolutely need to get quotes from multiple independent agents so that you can do a thorough price comparison.
The following is a short list of independent agencies in Pittsburgh who can help you get price quotes.
Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
D Johnson Insurance Agency
12806 Frankstown Rd – Pittsburgh, PA 15235 – (412) 744-4800 – View Map
Nationwide Insurance: Swenson Insurance Inc
234 Shady Ave – Pittsburgh, PA 15206 – (412) 362-8340 – View Map
How much can you save?
We covered some good ideas how to get a better price on Saab 9-3 insurance in Pittsburgh. The key concept to understand is the more you quote Pittsburgh car insurance, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
Some auto insurance companies do not provide the ability to get a quote online and usually these smaller companies prefer to sell through independent agents. More affordable auto insurance in Pittsburgh is available both online and from local insurance agents, so you should compare both to get a complete price analysis.
Much more information about auto insurance in Pennsylvania can be found at these links:
- Choosing an Insurance Company (Insurance Information Institute)
- How Much is Auto Insurance for a Hyundai Sonata in Pittsburgh? (FAQ)
- Who Has Cheap Car Insurance Rates for College Students in Pittsburgh? (FAQ)
- How Much is Pittsburgh Car Insurance After a Speeding Ticket? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- Coverage Information (Progressive Insurance)
- Driving in Bad Weather (Insurance Information Institute)