Smart shoppers know that auto insurance companies don’t want you to look for a cheaper policy. Consumers who compare rates once a year will, in all likelihood, buy a new policy because they stand a good chance of finding a policy with better rates. A study discovered that people who shopped around every year saved an average of $865 annually compared to other drivers who never shopped for cheaper rates.
If finding the cheapest price for auto insurance in Pittsburgh is the reason you’re reading this, then understanding how to get rate quotes and compare auto insurance can make the process more efficient.
If you want to save money, the best way to find affordable auto insurance rates is to start doing a yearly price comparison from different companies that insure vehicles in Pittsburgh.
- Try to understand coverages and the factors you can control to keep rates down. Many rating factors that are responsible for high rates like at-fault accidents and a low credit score can be controlled by making minor changes in your lifestyle. This article gives more details to keep prices down and find missing discounts.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agents can quote prices from many different companies.
- Compare the new quotes to the premium of your current policy and determine if there is any savings. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
A tip to remember is to try to use identical limits and deductibles on each price quote and and to get quotes from all possible companies. This guarantees an apples-to-apples comparison and maximum price selection.
Finding affordable car insurance coverage in Pittsburgh is actually quite easy if you know where to start. If you’re already insured, you will most likely be able to find better prices using this strategy. Smart buyers just need to understand the least time-consuming way to get comparison rates using one simple form.
Most of the larger companies such as Progressive, Allstate and GEICO allow you to get prices for coverage directly from their websites. Comparing Nissan Quest insurance rates online is very simple because you just enter the coverages you want into the quote form. When complete, the system orders credit information and your driving record and quotes a price based on the information you submitted. This makes it simple to compare prices and it is imperative to compare as many rates as possible if you want to find a lower rate.
If you want to use this form to compare rates, compare rate quotes from the providers shown below. To compare your current rates, we recommend you copy the limits and deductibles just like they are on your policy. Doing this assures you will have rate quotes using the exact same coverages.
The auto insurance companies shown below are ready to provide quotes in Pittsburgh, PA. If you want to find cheap auto insurance in Pittsburgh, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Three good reasons to insure your Nissan vehicle
Even though Pittsburgh Quest insurance rates can get expensive, insurance may not be optional for several reasons.
First, most states have compulsory liability insurance requirements which means the state requires a specific minimum amount 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.
Second, if your Nissan Quest has a lienholder, it’s most likely the lender will make it a condition of the loan that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Nissan for a lot more money and require you to reimburse them the higher premium.
Third, insurance safeguards both your car and your personal assets. It will also provide coverage for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays more than $750 every year so shop around each time the policy renews to save money.
These discounts can lower your car insurance rates
Some providers don’t always publicize every discount available very well, so the list below contains both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Pittsburgh auto insurance online.
- Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it can save substantially.
- Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from Pittsburgh and do not have a car can receive lower rates.
- Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Theft Deterrent – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your Pittsburgh auto insurance quote.
- Claim Free – Drivers who don’t have accidents pay less when compared with drivers with a long claim history.
- Onboard Data Collection – Pittsburgh drivers who agree to allow data collection to analyze where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they are good drivers.
- Discount for Swiching Early – Some larger companies provide a discount for switching companies before your current Quest insurance policy expires. It’s a savings of about 10%.
We need to note that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, it’s just not the way it works.
Larger car insurance companies and a selection of discounts are detailed below.
- GEICO has savings for membership and employees, five-year accident-free, defensive driver, anti-theft, anti-lock brakes, good student, and seat belt use.
- Auto-Owners Insurance has discounts for paid in full, teen driver, company car, air bags, multi-policy, safe driver, and anti-theft.
- American Family offers discounts including multi-vehicle, early bird, bundled insurance, defensive driver, TimeAway discount, Steer into Savings, and good student.
- Esurance may offer discounts for renters, multi-car, multi-policy, DriveSense, anti-lock brakes, defensive driver, and claim free.
- Progressive offers premium reductions for online quote discount, good student, homeowner, continuous coverage, online signing, and multi-policy.
- State Farm discounts include good student, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, anti-theft, good driver, and multiple policy.
- AAA may have discounts that include AAA membership discount, multi-car, good student, anti-theft, and multi-policy.
If you need lower rates, check with each insurance company to give you their best rates. Some discounts listed above may not apply to policies in Pittsburgh.