To save the most money, the best way to get discount car insurance rates in Pittsburgh is to make a habit of regularly comparing prices from insurers who sell insurance in Pennsylvania.
- First, get a basic knowledge of the different coverages in a policy and the things you can change to keep rates down. Many factors that result in higher rates such as getting speeding tickets and poor credit rating can be rectified by making minor changes to your lifestyle.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can give you price quotes for many different companies.
- Third, compare the price quotes to your current policy to see if you can save by switching companies. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you use the same physical damage deductibles and liability limits on every quote request and and to get rates from every insurance company. Doing this helps ensure a fair rate comparison and and a good selection of different prices.
It goes without saying that auto insurance companies don’t want you to compare rates. Insureds who shop for lower rates are likely to switch companies because there is a significant possibility of finding a lower-priced company. Remarkably, a study showed that drivers who compared rates once a year saved about $72 a month as compared to drivers who never compared rates.
If finding the cheapest price for insurance is why you’re reading this, then having a good understanding how to find companies and compare insurance rates can help you succeed in finding affordable rates.
If you have coverage now or just want to save money, use these techniques to shop for the lowest rates and still get good coverage. Our goal in writing this article let you in on the best ways to compare prices and some money-saving tips. Smart shoppers just have to understand the quickest method to compare insurance rates from multiple carriers.
Companies offering Mitsubishi Outlander insurance in Pittsburgh
The following companies are our best choices to provide free quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.
Mitsubishi Outlander insurance coverage information
The coverage table displayed below outlines estimates of policy rates for Mitsubishi Outlander models. Learning as much as possible about how insurance policy premiums are established can be useful when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander SE 4WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander SE 4WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander SE 2WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander SE 2WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander ES 4WD | $278 | $588 | $338 | $20 | $102 | $1,326 | $111 |
| Outlander XLS 2WD | $314 | $694 | $338 | $20 | $102 | $1,468 | $122 |
| Outlander XLS 4WD | $314 | $694 | $338 | $20 | $102 | $1,468 | $122 |
| Outlander GT-S AWC 4WD | $314 | $694 | $338 | $20 | $102 | $1,468 | $122 |
| Outlander GT-S AWC 4WD | $314 | $694 | $338 | $20 | $102 | $1,468 | $122 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in garaging location in Pittsburgh which can influence price quotes greatly.
Full coverage or liability only
The example below illustrates the difference between Mitsubishi Outlander auto insurance costs when comparing full coverage to liability only. Data assumes no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are factored in.
Are you wasting money on full coverage?
There is no definitive formula to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Mitsubishi Outlander claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If you are paying more than $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Get cheaper rates on Mitsubishi Outlander insurance in Pittsburgh with these six car insurance discounts
The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Many of these discounts will be applied automatically when you quote, but a few must be specially asked for prior to receiving the credit.
- Defensive Driver Discounts – Completing a course teaching defensive driver skills is a good idea and can lower rates if you qualify.
- Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
- Telematics Devices – Policyholders that allow driving data submission to track driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they are good drivers.
- Claim Free – Good drivers with no accidents get the best car insurance rates as compared to frequent claim filers.
- Buy New and Save – Insuring a vehicle that is new can save you some money because newer models have to meet stringent safety requirements.
- Military Rewards – Having an actively deployed family member may lower your rates slightly.
Keep in mind that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works. But all discounts will positively reduce your overall premium however.
The chart below illustrates the difference between Mitsubishi Outlander premium costs with and without discounts being applied to the rates. The premiums are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, multi-car, and homeowner discounts applied.
Car insurance companies who may offer many of the previously listed discounts possibly include:
If you need lower rates, check with every company to give you their best rates. Some of the earlier mentioned discounts may not be offered in every state. To find insurers who offer cheap Mitsubishi Outlander insurance quotes in Pennsylvania, follow this link.
Auto insurance agents near you
Certain consumers prefer to visit with an insurance agent and that is not a bad decision Agents can help you choose the best coverages and give you someone to call. A good thing about price shopping on the web is the fact that drivers can get better rates and still have a local agent. Buying from local insurance agencies is important particularly in Pittsburgh.
By using this short form, your information is immediately sent to insurance agents in Pittsburgh who will give you quotes for your insurance coverage. There is no reason to do any legwork since price quotes are sent to the email address you provide. If you wish to compare rates from a particular provider, feel free to navigate to their website and submit a quote form there.
Insurance agent types
If you are searching for a local Pittsburgh insurance agency, you must know there are a couple types of insurance agents and how they work. Agents in Pittsburgh can be described as either independent agents or exclusive agents. Either type can insure your vehicles properly, but it’s important to point out how they are different because it can influence the kind of agent you use.
Independent Agents (or Brokers)
Agents in the independent channel often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies and find the cheapest insurance rates. If you want to switch companies, an independent agent can move your coverage which makes it simple for you.
If you are comparing rate quotes, you will definitely want to include several independent insurance agents to have the best price comparison. Most also have access to smaller mutual companies that may provide cheaper insurance rates.
Featured below are independent agencies in Pittsburgh who may be able to give you pricing information.
- Crawford Insurance Agency
11743 Frankstown Rd – Pittsburgh, PA 15235 – (412) 244-8888 – View Map - Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700 – View Map - Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map
Exclusive Agencies
Agents in the exclusive channel can usually just insure with one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are very knowledgeable on sales techniques which aids in selling service over price. Consumers often use the same exclusive agent primarily because of loyalty to the company and strong financial ratings.
Listed below are exclusive agencies in Pittsburgh who can help you get rate quotes.
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map - Lindsay Brown – State Farm Insurance Agent
300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030 – View Map - Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 – View Map
Finding the right auto insurance agent should depend on more than just a low price. Here are some questions you should ask.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Where would glass claims be handled in Pittsburgh?
- Is the coverage adequate for your vehicle?
- Is the agency covered by Errors and Omissions coverage?
- Does the quote include credit and driving reports?
Auto insurance policy coverages for a Mitsubishi Outlander
Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Liability insurance – Liability insurance will cover injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as medical services, structural damage, attorney fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Pennsylvania requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The illustration below shows why buying the state minimum limits may not be high enough to cover claims.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as fire damage, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage – This covers damage to your Outlander from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as driving through your garage door, damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible on your Outlander to bring the cost down.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Shop smart and save
Insureds leave their current company for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, extreme rates for teen drivers and even delays in paying claims. Regardless of your reason for switching companies, switching companies can be easier than you think.
When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at an affordable rate while still protecting your assets.
Cheap Mitsubishi Outlander insurance in Pittsburgh can be sourced both online in addition to many Pittsburgh insurance agents, so you need to shop Pittsburgh car insurance with both to get a complete price analysis. Some companies may not provide internet price quotes and usually these small insurance companies work with independent agents.
For more information, link through to these articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Ford F-150 in Pittsburgh? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance Quotes for Business Use? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
- Who Has Cheap Car Insurance Rates for Handicapped Drivers in Pittsburgh? (FAQ)
- Coverage Information (Progressive Insurance)
- Choosing an Insurance Company (Insurance Information Institute)