The best way to find lower priced auto insurance rates is to start comparing prices regularly from providers in Pittsburgh.
- Step 1: Learn about policy coverages and the measures you can control to prevent high rates. Many things that cause rate increases such as traffic violations and a less-than-favorable credit history can be improved by making small lifestyle or driving habit changes. Continue reading for more information to keep prices down and find hidden discounts.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while independent agents can provide prices for many different companies. Find a Pittsburgh insurance agent
- Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
- Step 4: Notify your agent or company of your intent to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the newly selected company. Be sure to keep your new proof of insurance certificate somewhere easily accessible.
A key point to remember is that you use the same coverage limits and deductibles on each quote and and to get price quotes from as many companies as possible. This provides a fair rate comparison and the best price selection.
It’s a fact that auto insurance companies want to keep you from comparing prices. Drivers who shop around once a year will presumably switch insurance companies because there is a high probability of finding a policy with more affordable rates. A study showed that people who routinely shopped for cheaper coverage saved $865 annually compared to those who never shopped around for cheaper prices.
If finding the lowest price for Scion xD insurance in Pittsburgh is why you’re here, knowing the best ways to find and compare insurance can help you succeed in finding affordable rates.
If you currently have auto insurance, you will definitely be able to cut your premiums using the following tips. Our objective is to teach you a little about how car insurance works and some tricks to saving. But Pennsylvania vehicle owners do need to learn how insurance companies determine how much to charge.
Pittsburgh car insurance discounts
Car insurance is not inexpensive, but you may find discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be requested specifically before you get the savings.
- Smart Student Discounts – This discount could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
- Policy Bundle Discount – If you can bundle your home and auto insurance with the same company you may save at least 10% off all policies.
- Discount for Home Ownership – Being a homeowner may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
- Federal Government Employee – Federal government employees may qualify for a discount when you quote Pittsburgh auto insurance but check with your company.
- 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10%.
One last thing about discounts, some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.
The illustration below shows the difference between Scion xD insurance prices with and without discounts applied. The data is based on a male driver, no claims or violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, claim-free, and safe-driver discounts applied.
A few of the larger companies and some of the discounts can be found below.
- GEICO policyholders can earn discounts including military active duty, anti-lock brakes, defensive driver, driver training, federal employee, and good student.
- MetLife has savings for defensive driver, good driver, multi-policy, good student, claim-free, and accident-free.
- State Farm may include discounts for defensive driving training, driver’s education, student away at school, good driver, and Steer Clear safe driver discount.
- Progressive offers discounts for homeowner, multi-policy, online quote discount, continuous coverage, good student, and multi-vehicle.
- Mercury Insurance may offer discounts for location of vehicle, multi-policy, low natural disaster claims, age of vehicle, good student, and anti-theft.
- 21st Century includes discounts for air bags, automatic seat belts, defensive driver, good student, and driver training.
- Allstate may have discounts that include defensive driver, anti-theft, teenSMART discount, multi-policy, and senior citizen.
When getting a coverage quote, ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere. To find companies who offer free Scion xD insurance quotes in Pennsylvania, click here.
The easiest way to compare rate quotes for Scion xD insurance in Pittsburgh is to take advantage of the fact almost all companies provide online access to compare their rates. The only thing you need to do is provide the companies a bit of rating information like driver ages, if you lease or own, marital status, and level of coverage desired. The rating information is automatically sent to multiple top-rated companies and they return cost estimate almost instantly.
To check rates for your car now, click here and enter your zip code.
The companies shown below have been selected to offer comparison quotes in Pennsylvania. If you want cheap auto insurance in Pittsburgh, we recommend you visit two to three different companies to get the best price comparison.
Car insurance data for a Scion xD
The information displayed below highlights a range of rate quotes for Scion xD models. Learning a little about how policy premiums are established can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $274 | $630 | $444 | $26 | $134 | $1,508 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific garaging location which can revise prices considerably.
Policy deductibles
When buying car insurance, a common question is how high should the deductibles for physical damage be. The rates shown below lay out the price difference when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XD 4-Dr Hatchback | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can affect insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $13 more each month or $156 annually across all Scion xD models than requesting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 19 months between claims, you would most likely save money if you decide on a higher deductible.
How violations and accidents impact rates
The information below demonstrates how citations and at-fault collisions drive up Scion xD insurance costs for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Premiums by gender and age
The illustration below shows the comparison of Scion xD insurance rates for male and female drivers. The premiums assume no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Shop online but buy locally
Many drivers just want to get professional advice from a licensed agent and that can be a great decision An additional benefit of price shopping on the web is the fact that you can find lower premium rates and still have an agent to talk to. Supporting neighborhood agents is important particularly in Pittsburgh.
After completing this simple form, the quote information gets sent to companies in Pittsburgh that can give you free Pittsburgh auto insurance quotes and help you find cheaper coverage. You don’t have to find an agent as quotes are delivered to the email address you provide. You can find lower rates without having to waste a lot of time. If you need to get a comparison quote from a particular provider, just find their quoting web page and submit a quote form there.
When finding a reliable insurance agent, it’s helpful to know the different types of agents that you can select. Insurance agents may be either independent or exclusive.
Independent Insurance Agents
Agents in the independent channel often have many company appointments so as a result can place your coverage with a variety of different insurance companies and find the cheapest insurance rates. If premiums increase, they simply move your policy to a different company and you won’t have to switch agencies. When comparing rate quotes, we recommend you include rate quotes from several independent agencies to get the most accurate price comparison. Many independent agencies also insure through mutual insurance companies which may have better rates.
The following is a list of independent agencies in Pittsburgh that may be able to provide free rate quotes.
- Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map - Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map - Crawford Insurance Agency
11743 Frankstown Rd – Pittsburgh, PA 15235 – (412) 244-8888 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company such as State Farm, Allstate, and Farm Bureau. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. They receive a lot of sales training on sales techniques and that allows them to sell at a higher price point. Consumers sometimes buy insurance from these agents mostly because of the brand name and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agents in Pittsburgh who can help you get comparison quotes.
- Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map - Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map - Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166 – View Map
Choosing the best insurance agent is decision based upon more than just a cheap price quote. A good agent in Pittsburgh will have answers to these questions.
- Are there any discounts for paying up front?
- Which insurance company do they prefer to write with?
- What is the agency’s Better Business Bureau rating?
- Will the agent or a CSR service your policy?
- Do they have any clout with companies to ensure a fair claim settlement?
- What kind of financial rating does the company have?
- Is assistance available after office hours?
- Is there a Errors and Omissions policy in force?
After getting good responses to your questions in addition to an acceptable price estimate, you’ve probably found a car insurance agent that meets the criteria to provide insurance coverage.
A conclusion for your insurance search
Consumers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, lack of trust in their agent and even poor customer service. Regardless of your reason, switching insurance companies is actually quite simple.
Cheap Scion xD insurance in Pittsburgh is attainable online as well as from independent agents in Pittsburgh, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer price quotes online and usually these regional carriers only sell through independent insurance agencies.
When searching for cheaper Pittsburgh auto insurance quotes, it’s not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best possible price.
Additional information is located at these links:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Ford F-150 in Pittsburgh? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Airbag FAQ (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)