How many times have you told yourself it’s time to shop around for cheaper Chrysler Pacifica insurance in Pittsburgh? If you are new to online auto insurance, chances are good that you are confused by the vast number of insurers offering insurance in Pittsburgh.
It’s a known fact that insurance companies don’t want their customers to go rate shopping. Drivers who do rate comparisons will presumably switch to a new company because of the good chance of finding a lower-priced company. A recent auto insurance study discovered that people who routinely shopped around saved approximately $70 a month as compared to drivers who never shopped around.
If finding the lowest price on insurance is your ultimate objective, then having an understanding of how to find companies and compare coverage rates can help you succeed in finding affordable rates.
Most larger insurance companies like State Farm and Allstate provide prices for coverage from their websites. Comparing Chrysler Pacifica insurance rates online is pretty painless because it’s just a matter of typing in the coverages you want into the quote form. After the form is submitted, the quote system automatically retrieves your driving record and credit report and returns a price based on the information you submitted.
Quoting online for Chrysler Pacifica insurance in Pittsburgh streamlines rate comparisons, and it’s necessary to compare as many rates as possible if you want to find the cheapest possible prices on car insurance.
To save time and find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the coverage information as shown on your current policy. This helps ensure you are getting rate comparison quotes for the exact same coverage.
The companies shown below are ready to provide free quotes in Pittsburgh, PA. To locate cheap car insurance in Pittsburgh, we recommend you click on several of them to get a more complete price comparison.
Get cheaper Chrysler Pacifica insurance rates in Pittsburgh
Some companies don’t always list the entire discount list in a way that’s easy to find, so below is a list some of the best known and also the lesser-known auto insurance savings.
- Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates.
- Discounts for New Vehicles – Buying a new car instead of a used Pacifica may earn a small discount compared to insuring an older model.
- Home Ownership Discount – Being a homeowner can save a few bucks because maintaining a house is proof of financial responsibility.
- Student Driver Training – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
- Membership in Organizations – Participating in a civic or occupational organization in Pittsburgh could earn you a nice discount on your policy.
Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.
The best auto insurance companies and the discounts they provide are outlined below.
- Farm Bureau has savings for 55 and retired, renewal discount, driver training, multi-vehicle, multi-policy, good student, and safe driver.
- MetLife may have discounts that include claim-free, accident-free, good student, multi-policy, and defensive driver.
- Progressive offers discounts for online signing, multi-policy, good student, online quote discount, and homeowner.
- AAA offers discounts including multi-car, good driver, good student, pay-in-full, and education and occupation.
- American Family discounts include good driver, early bird, bundled insurance, mySafetyValet, and TimeAway discount.
- GEICO policyholders can earn discounts including seat belt use, anti-lock brakes, driver training, federal employee, and emergency military deployment.
- State Farm offers premium reductions for defensive driving training, multiple policy, anti-theft, safe vehicle, driver’s education, good student, and Drive Safe & Save.
If you are trying to find inexpensive Pittsburgh car insurance quotes, ask each company or agent which discounts you qualify for. Some of the discounts discussed earlier might not apply in your area. To find auto insurance companies that offer discounts in Pennsylvania, click here to view.
Car insurance just makes sense
Even though Pittsburgh Pacifica insurance rates can get expensive, buying car insurance may be required for several reasons.
- Almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance coverage if you drive a vehicle. 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 Chrysler Pacifica with a loan, almost all lenders will require that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may insure your Chrysler at an extremely high rate and force you to pay the higher premium.
- Insurance protects both your assets and your car. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $865 each year so you should quote rates at every renewal to help ensure money is not being wasted.
Best auto insurance company in Pittsburgh
Finding the right auto insurance provider is hard considering how many companies there are to choose from in Pennsylvania. The company ratings shown next may help you choose which providers to look at shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What is the best insurance coverage?
When quoting and comparing insurance from an agent or online, there really isn’t a “best” method to buy coverage. Every situation is different.
These are some specific questions could help you determine whether you might need professional guidance.
- Can I rent a car in Mexico?
- Do I need more liability coverage?
- Why do I only qualify for high-risk insurance?
- What is covered by UM/UIM coverage?
- Which companies are cheaper for teen drivers?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Should I rate my Chrysler Pacifica as pleasure use or commute?
- What discounts do I qualify for?
- Why am I required to buy liability insurance?
- Do I need special coverage while pulling a rented trailer?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
When to get advice from an insurance agent
Some consumers still like to go talk to an agent. One of the great benefits of comparing insurance prices online is that you can obtain cheap insurance rates and still have a local agent. And supporting local agencies is definitely important in Pittsburgh.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is submitted to agents in your area that can give you free Pittsburgh car insurance quotes for your business. You never need to contact any agents as quotes are delivered to you directly. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to get a price quote from a particular provider, just search and find their rate quote page to submit a rate quote request.
When searching for a local agent, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Pittsburgh agents may be either exclusive or independent.
Independent Insurance Agencies
Agents in the independent channel often have affiliation with several companies so they can write business with any number of different companies and help determine which has the cheapest rates. To move your coverage to a new company, the business is moved internally which makes it simple for you. If you need lower rates, it’s recommended you contact several independent insurance agents to get the most accurate price comparison. A lot of them also have access to small mutual carriers that may have much lower rates than larger companies.
Shown below is a list of independent insurance agents in Pittsburgh that can possibly get you cheap rate quotes.
- Casto Insurance Agency
1900 Painters Run Rd – Pittsburgh, PA 15241 – (412) 257-4300 – View Map - Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map - Casper Insurance Agency, Inc.
611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. They are well schooled on what they offer which can be an advantage. Some consumers prefer to buy from the same agent for years partially due to the prominence of the brand rather than having the cheapest rates.
The following is a list of exclusive agencies in Pittsburgh who can help you get price quotes.
- Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map - Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Picking an auto insurance agent should depend on more than just the quoted price. Any good agent in Pittsburgh should know the answers to these questions.
- Does the agent have a valid license to sell insurance in Pennsylvania?
- Is there any savings for paying the full premium?
- How would your car be valued if totaled?
- How long have they been in business?
- Are they able to influence company decisions when a claim is filed?
- Are all drivers listed on the coverage quote?
- Are they paid to recommend certain coverages?
- Will the quote change when the policy is issued?