It takes a few minutes, but the best way to get the cheapest Saab 9-7X insurance in Pittsburgh is to compare quotes once a year from different companies who sell insurance in Pennsylvania.
- Spend some time learning about how car insurance works and the changes you can make to keep rates in check. Many risk factors that increase rates like speeding tickets, careless driving and a lousy credit rating can be rectified by improving your driving habits or financial responsibility. Read the full article for more details to help find cheaper rates and find possible discounts that are available.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote rates from multiple sources.
- Compare the quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
- Notify your current company of your intention to cancel your current auto insurance policy and submit payment and a completed application to the new insurer. Don’t forget to safely store the certificate of insurance with the vehicle registration.
A good tip to remember is to use identical coverage information on each quote request and to quote with as many companies as feasibly possible. Doing this ensures the most accurate price comparison and the best price selection.
A recent NerdWallet.com study revealed that most drivers in Pennsylvania kept their coverage with the same car insurance company for four years or more, and just short of a majority have never even compared quotes to find cheap rates. With the average premium in America being $1,847, drivers could save as much as 46.5% a year by just shopping around, but they don’t want to spend time to find cheap insurance by shopping around.
If you’re already insured or are looking for a new policy, use these tips to find the best rates while maximizing coverage. This article will tell you the most effective ways to compare rates and how to save the most money. Shoppers only have to learn the proper methods to shop on the web.
Four factors that determine insurance premiums
Part of the car insurance buying process is learning some of the factors that go into determining your car insurance rates. When consumers understand what influences your rates, this enables informed choices that could result in lower premium levels. Many things are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, but others are more obscure like where you live or your vehicle rating.
Listed below are some of the items companies use to determine prices.
- Lower rates for vehicles with better crash test results – Vehicles with high crash test scores get lower rates. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums. If your Saab 9-7X has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
- With age comes responsibility – Older insureds tend to be more responsible, tend to file fewer claims, and get fewer tickets. Teenage drivers tend to be careless and easily distracted when behind the wheel so car insurance rates are higher.
- Allowing your coverage to lapse raises premiums – Having an insurance coverage lapse is a fast way to increase your car insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a license revocation or jail time.
- Gender impacts premiums – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both are responsible for at-fault accidents at about the same rate, but men have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
The quickest method we recommend to compare rates for Saab 9-7X insurance in Pittsburgh is to understand auto insurance companies have advanced systems to give you rate quotes. All you need to do is give the companies some data including an estimate of your credit level, how much education you have, any included safety features, and distance driven. Your information is then sent to multiple different insurance companies and you will get price comparisons quickly.
To find the cheapest Saab 9-7X insurance rates, click here and enter your coverage details.
The companies shown below provide free rate quotes in Pennsylvania. If you want to find the best cheap car insurance in Pennsylvania, we recommend you visit two to three different companies to get a more complete price comparison.
Buying the right Saab vehicle insurance in Pennsylvania is an important decision
Even though Pittsburgh 9-7X insurance rates can get expensive, insurance is a good idea for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy specific limits of liability insurance coverage 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.
- If you took out a loan on your Saab, almost all lenders will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Saab at a more expensive rate and require you to pay a much higher amount than you were paying before.
- Insurance protects not only your vehicle but also your assets. It will also cover medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is wasting up to $830 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
These discounts can lower your auto insurance quotes
Companies don’t always list all their discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find auto insurance savings.
- Switch and Save Discount – A few companies offer discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
- Paper-free Discount – Many larger companies may give you up to $50 for signing up online.
- College Student – Older children living away from Pittsburgh attending college and leave their car at home may be able to be covered for less.
- Own a Home and Save – Simply owning a home may trigger a policy discount on auto insurance because owning a home shows financial diligence.
- Drive Less and Save – Driving less could be rewarded with substantially lower rates.
One last thing about discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, companies don’t profit that way.
Companies that may include many of the previously listed discounts include:
It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not apply to policyholders in Pittsburgh. To locate insurance companies that offer many of these discounts in Pittsburgh, click here.
Car insurance agents can find coverage gaps
Some consumers just prefer to buy from a licensed agent and doing so can bring peace of mind Insurance agents can help determine the best coverages and give you someone to call. One of the benefits of price shopping on the web is that drivers can save money and get better rates and still have a local agent.
To find an agent, once you fill out this short form, your insurance coverage information is transmitted to companies in Pittsburgh that can provide free Pittsburgh auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go directly to your email. If you want to get a price quote for a specific company, you just need to navigate to their website and fill out the quote form the provide.
Picking the best company should depend on more than just a cheap quote. Agents should be asked these questions:
- Are they able to provide referrals?
- Is every driver in your family covered?
- Is the coverage adequate for your vehicle?
- If your car is totaled, how to they determine the replacement cost?
- How many companies do they write for?
- How often do they review policy coverages?
If you’re trying to find a reliable insurance agency, it can be helpful to understand the different types of agents and how they work. Car insurance agents in Pittsburgh are either exclusive or independent. Both types of agents can handle car insurance, but we need to point out how they are different since it can affect which agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are well trained on the products they sell which helps them sell insurance even at higher premiums. Many people buy insurance from these agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
Listed below are Pittsburgh exclusive insurance agents who can help you get price quotes.
- Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map - Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Independent Insurance Agents
These type of agents are appointed with more than one company and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally and that require little work on your part.
When comparing rate quotes, you need to get some free quotes from a few independent agents to get the most accurate price comparison. Most also write with mutual insurance companies who may have lower rates.
Shown below are independent agents in Pittsburgh who can help you get price quote information.
- MADIA INSURANCE AGENCY INC
9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200 – View Map - Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390 – View Map - Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100 – View Map
If you get satisfactory answers to all your questions and a low price estimate, chances are good that you have found an insurance agent that is a good match to service your policy.
Don’t give up on cheaper coverage
In this article, we presented a lot of ways to get a better price on Saab 9-7X insurance in Pittsburgh. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from an unexpected company.
When searching for affordable Saab 9-7X insurance quotes, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best possible price while still protecting your assets.
People change insurance companies for many reasons like not issuing a premium refund, delays in paying claims, denial of a claim and extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company can be pretty painless.
Helpful resources
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Cheap Car Insurance for a Nissan Sentra in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Pittsburgh? (FAQ)
- How Much is Pittsburgh Auto Insurance for a Chevrolet Silverado? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for a Subaru Outback? (FAQ)
- What Car Insurance is Cheapest for High Risk Drivers in Pittsburgh? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)