A recent car insurance study revealed that almost 70% of drivers have been with the same company for more than four years, and practically 40% of car insurance customers have never even compared rates from other companies. Pittsburgh drivers could save approximately 55% a year, but most just don’t grasp the rate savings if they replace their high priced policy.
The most effective way to get affordable car insurance rates is to make a habit of regularly comparing prices from insurers in Pittsburgh. You can compare rates by following these steps.
- First, spend some time learning about how your policy works and the things you can change to keep rates in check. Many policy risk factors that result in higher prices like speeding and an unacceptable credit rating can be amended by paying attention to minor details. This article gives instructions to get better rates and find available discounts that you may qualify for.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while independent agents can provide prices for many different companies. Get quotes now
- Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
- Fourth, provide proper notification to your current company of your intent to cancel your current auto insurance policy. Submit a down payment and signed policy application for your new coverage. As soon as you have the new policy, keep the new proof of insurance certificate in an easily accessible location.
One thing to point out is to try to use the same liability limits and deductibles on every price quote and and to analyze all possible companies. Doing this guarantees an apples-to-apples comparison and the best price quote selection.
These tips will help educate you on how to effectively get price quotes and also pocket some savings If you are already insured, you should be able to find better prices using these tips. Consumers only need an understanding of the proper way to quote multiple rates from many companies at once.
The companies shown below are ready to provide comparison quotes in Pennsylvania. If multiple companies are listed, we recommend you visit several of them in order to find the most affordable rates.
Dodge Nitro coverage analysis
The premium information below showcases detailed analysis of coverage prices for Dodge Nitro models. Having a better understanding of how policy premiums are formulated can help customers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $106 | $188 | $358 | $22 | $106 | $780 | $65 |
| Nitro SE 2WD | $106 | $188 | $358 | $22 | $106 | $780 | $65 |
| Nitro SE 4WD | $122 | $188 | $358 | $22 | $106 | $796 | $66 |
| Nitro SXT 2WD | $122 | $188 | $358 | $22 | $106 | $796 | $66 |
| Nitro Heat 4WD | $122 | $188 | $358 | $22 | $106 | $796 | $66 |
| Nitro Detonator 2WD | $122 | $230 | $358 | $22 | $106 | $838 | $70 |
| Nitro SXT 4WD | $122 | $230 | $358 | $22 | $106 | $838 | $70 |
| Nitro Shock 2WD | $122 | $230 | $358 | $22 | $106 | $838 | $70 |
| Nitro Detonator 4WD | $122 | $230 | $358 | $22 | $106 | $838 | $70 |
| Nitro Shock 4WD | $138 | $230 | $358 | $22 | $106 | $854 | $71 |
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in Pittsburgh location which can affect coverage prices noticeably.
Drive responsibly or pay higher rates
The example below shows how speeding tickets and at-fault collisions raise Dodge Nitro car insurance rates for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
How much more does full coverage cost in Pittsburgh?
The information below illustrates the difference between Dodge Nitro annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or accidents, $250 deductibles, drivers are not married, and no discounts are applied.
Guidelines for eliminating full coverage
There is no clear-cut rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your Dodge Nitro 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 paying your deductible. If it’s costing you more than $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Comparing prices from local Pittsburgh car insurance agents
A small number of people still like to get professional advice from a licensed agent. Good agents are trained to spot inefficiencies and will help you if you have claims. A nice benefit of comparing rates online is the fact that drivers can get lower rates and also buy local. And buying from local insurance agencies is definitely important in Pittsburgh.
To find an agent, once you fill out this simple form, the coverage information is instantly submitted to agents in your area who will give you quotes to get your business. You won’t even need to visit any agencies as quotes are delivered straight to your inbox. If you wish to get a price quote from a specific company, you can always find their quoting web page and fill out their quote form.
If you are searching for local Pittsburgh agents, it’s important to understand the different types of agencies and how they differ in how they can insure your vehicles. Insurance policy providers are either independent agents or exclusive agents. Both types of agents can sell and service insurance coverage, but it is important to understand why they differ because it can factor into the type of agent you choose.
Independent Insurance Agencies
Independent agents are not employed by one company and that allows them to write policies through many different insurance companies and potentially find a lower price. If they find a lower price, your policy is moved internally and you don’t have to switch agencies.
When comparison shopping, we recommend you get some free quotes from several independent agencies to have the best price comparison. Many can place coverage with smaller mutual companies that may provide cheaper insurance rates.
Featured below are independent insurance agents in Pittsburgh that may be able to provide price quote information.
- Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map - Nationwide Insurance: Joshua Michael Dott Agency
513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map - James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. They generally cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products and that can be a competitive advantage. A lot of people purchase coverage from exclusives mainly due to the brand legacy and the convenience of having all coverages with one company.
Below are Pittsburgh exclusive insurance agencies that are able to give price quotes.
- Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map - Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Finding the right car insurance agent should depend on more than just a low price. The questions below may impact your decision as well.
- What company holds the largest book of business for them?
- Will the agent help in case of a claim?
- Will high miles depreciate repair valuations?
- Can they provide you with a list of referrals?
- Does the quote include credit and driving reports?
Which car insurance company is best in Pennsylvania?
Picking the top company is hard considering how many different companies there are to choose from in Pennsylvania. The company ratings in the next section could help you analyze which coverage providers you want to consider purchasing coverage from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century