It’s hard to fathom, but most drivers in Pennsylvania kept their policy with the same company for a minimum of four years, and nearly the majority have never taken the time to shop around. Many drivers in the U.S. could save an average of about $859 each year by just shopping around, but they mistakenly think it’s difficult to compare rate quotes online.
Really, the only way to save money on Lexus LX 570 insurance is to compare prices once a year from companies that sell auto insurance in Pittsburgh.
- Gain an understanding of how companies price auto insurance and the changes you can make to prevent rate increases. Many policy risk factors that are responsible for high rates such as tickets, at-fault accidents, and a negative credit history can be amended by making small lifestyle or driving habit changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies.
- Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
- Provide proper notification to your current company to cancel your current car insurance policy. Submit a completed application and payment to the new company. As soon as you have the new policy, keep your new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
The key aspect of shopping around is to compare the same liability limits and deductibles on every quote and and to get rate quotes from as many different insurance providers as possible. This ensures a fair price comparison and a complete price analysis.
If you’re already insured, you will definitely be able to save money using the ideas presented in this article. Quoting and comparing rates for the most affordable protection in Pittsburgh is easy if you know what you’re doing. Nevertheless, Pennsylvania vehicle owners do need to understand the methods companies use to determine premium rates and use this information to your advantage.
When quoting car insurance, remember that making a lot of price comparisons provides better odds of finding a better price. Some insurance companies are not set up to provide online price quotes, so it’s necessary to compare price quotes from them as well.
The following companies are our best choices to provide comparison quotes in Pittsburgh, PA. If multiple companies are listed, we suggest you get price quotes from several of them in order to find the most affordable rates.
Coverage information
The coverage information shown next outlines estimates of insurance prices for Lexus LX 570 models. Having knowledge of how policy rates are figured helps drivers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LX 570 4WD 4-Dr | $406 | $720 | $336 | $20 | $100 | $1,582 | $132 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can change auto insurance rates considerably.
The chart below illustrates how your choice of deductibles and can change Lexus LX 570 yearly insurance costs for different ages of insureds. The prices are based on a single female driver, comp and collision included, and no discounts are applied.
Difference between full coverage and liability only rates
The diagram below illustrates the difference between Lexus LX 570 yearly insurance costs with and without full coverage. The data assumes no violations or claims, $500 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There isn’t a written rule to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Lexus LX 570 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying over $400 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where removing full coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.
It’s not one size fits all
When quoting and comparing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed.
For instance, these questions might help in determining if you will benefit from professional help.
- Does insurance cover tools stolen from my truck?
- Is extra glass coverage worth it?
- How can I get the company to pay a claim?
- Am I covered by my spouse’s policy after a separation?
- What is medical payments coverage?
- Is my Lexus LX 570 covered for flood damage?
- Does car insurance cover theft of personal property?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
Comparing prices from local Pittsburgh auto insurance agents
Many drivers just want to buy from a local agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is the fact that you can find cheap rate quotes and still have an agent to talk to.
To help locate an agent, after submitting this short form, the coverage information gets sent to companies in Pittsburgh who will give you quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent immediately to you. You can find better rates AND an agent nearby. If for some reason you want to compare rates from a specific company, you just need to find their quoting web page and fill out their quote form.
Picking an insurer is decision based upon more than just a low price. Any agent in Pittsburgh should have no problem answering these questions:
- If independent agents, which companies do they recommend?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What discounts might you be missing?
- Do they regularly work with personal auto policies in Pittsburgh?
- How long has the business existed?
Auto insurance agents in Pittsburgh come in two varieties
When searching for a good insurance agency, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Car insurance agencies are considered either independent agents or exclusive agents.
Exclusive Agencies
Agents in the exclusive channel can only write with one company and examples are Allstate, State Farm and Farm Bureau. They usually cannot provide prices from multiple companies so you need to shop around if the rates are high. These agents are usually well trained on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents primarily because of loyalty to the company and the convenience of having all coverages with one company.
Listed below is a list of exclusive insurance agents in Pittsburgh who can help you get rate quotes.
- George O’Korn – State Farm Insurance Agent
4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182 – View Map - Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Independent Agencies or Brokers
These type of agents are appointed with more than one company and that enables them to quote your coverage with multiple insurance companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house which is easy for the insured. If you need cheaper car insurance rates, we recommend you get several quotes from a few independent agents to have the best price comparison. Most also have access to different regional companies that can offer cheaper rates than bigger companies.
Below are Pittsburgh independent agencies who can help you get comparison quotes.
- Nalley Insurance Agency LLC
3349 Babcock Blvd – Pittsburgh, PA 15237 – (412) 366-5223 – View Map - McElhinny Insurance Agency LLC
5624 Brownsville Rd – Pittsburgh, PA 15236 – (412) 650-5700 – View Map - Kelly Insurance Group
700 River Ave # 433 – Pittsburgh, PA 15212 – (412) 325-1650 – View Map
After getting satisfactory answers to any questions you have and locked in a price quote, you may have found an insurance agent that meets the criteria to adequately provide car insurance. Just remember policyholders can terminate your policy at any time so don’t think you are locked into a specific company for the full term.
Auto insurance companies ranked
Selecting a good quality insurer can be difficult considering how many companies there are in Pittsburgh. The company information shown below can help you decide which auto insurance companies to look at when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
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