Sad but true, nearly 70% of consumers have bought auto insurance from the same company for a minimum of four years, and almost half have never quoted auto insurance rates at all. Many drivers in Pennsylvania could pocket $690 a year, but they mistakenly think it’s difficult to compare rate quotes.
To save the most money, the best way to get cheaper Volvo XC90 insurance in Pittsburgh is to regularly compare prices from insurers who sell auto insurance in Pennsylvania.
- First, read about the different coverages in a policy and the things you can control to prevent rate increases. Many things that increase rates like distracted driving and an unfavorable credit rating can be controlled by making minor driving habit or lifestyle changes. Keep reading for additional ideas to prevent high rates and find overlooked discounts.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can provide price quotes for many different companies.
- Third, compare the price quotes to your existing rates to see if a cheaper rate is available in Pittsburgh. If you can save money and make a switch, make sure there is no coverage gap between policies.
One important bit of advice is to make sure you’re comparing the same deductibles and limits on every quote request and and to get price estimates from as many different insurance providers as possible. This guarantees an accurate price comparison and plenty of rates choose from.
Auto insurance providers offering low-cost price quotes in Pennsylvania
The following companies are ready to provide price quotes in Pennsylvania. If you wish to find cheaper car insurance in Pittsburgh, it’s a good idea that you visit several of them to find the most affordable auto insurance rates.
Coverage statistics and figures
The premium table displayed below showcases a range of coverage costs for Volvo XC90 models. Learning a little about how insurance policy rates are determined can aid in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| XC90 3.2 R-Design 2WD | $222 | $420 | $310 | $18 | $92 | $1,062 | $89 |
| XC90 3.2 AWD | $246 | $482 | $310 | $18 | $92 | $1,148 | $96 |
| XC90 V8 AWD | $246 | $482 | $310 | $18 | $92 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in garaging location in Pittsburgh which can revise auto insurance rates significantly.
Should you raise deductibles?
When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The rates shown below summarize the differences in premium rates between low and high deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| XC90 3.2 R-Design 2WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| XC90 3.2 AWD | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| XC90 V8 AWD | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| XC90 3.2 R-Design 2WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| XC90 3.2 AWD | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| XC90 V8 AWD | $198 | $366 | $330 | $20 | $98 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in garaging location in Pittsburgh which can influence premium rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost you about $40 more each month or $480 for a full year than buying the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 23 months between claims, you would save money if you choose the higher deductible. Here is a better example of how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $122 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to note is that higher deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You should have access to more funds in order to pay more to get your vehicle repaired.
How accidents and violations affect rates
The diagram below illustrates how traffic citations and at-fault fender-benders can affect Volvo XC90 insurance premiums for different age groups. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Full coverage versus liability-only in Pittsburgh
The illustration below illustrates the difference between Volvo XC90 auto insurance rates with and without full coverage. The rates are based on no violations or claims, $250 deductibles, marital status is single, and no other discounts are factored in.
When to eliminate full coverage
There isn’t a written rule to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Volvo XC90 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If premium cost is more than $500 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some scenarios where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Get cheap rates by getting discounts
Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered when you purchase, but less common discounts must be asked for before being credited.
- Multi-policy Discount – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of as much as 10 to 15 percent.
- Responsible Drivers – Accident-free drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Low Mileage Discounts – Low mileage vehicles can qualify you for lower premium rates on the low mileage vehicles.
- New Vehicle Savings – Buying auto insurance coverage on a new vehicle can get you a discount since newer vehicles are generally safer.
- Driving Data Discount – Drivers that enable their company to analyze vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
- Defensive Driving Course – Passing a course that instructs on driving safety could cut 5% off your bill if your company offers it.
As a sidenote, most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.
The example below shows the difference between Volvo XC90 insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or violations, Pennsylvania state minimum liability limits, full 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, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.
Companies that may offer quotes with some of the above discounts include:
When comparing rates, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your state. If you would like to choose from a list of insurers who offer free Volvo XC90 insurance quotes in Pennsylvania, click here to view.
Tailor your car insurance coverage to you
When choosing the right insurance coverage, there really is no cookie cutter policy. Every situation is different.
These are some specific questions could help you determine if your situation would benefit from professional advice.
- Are combined or split liability limits better?
- Can my teen driver be rated on a liability-only vehicle?
- Should I buy additional glass protection?
- Can I rent a car in Mexico?
- Will damage be repaired with OEM parts?
- How can I find cheaper teen driver insurance?
- Am I covered if I crash into my own garage door?
- Does car insurance cover theft of personal property?
- Should I buy more coverage than the required Pennsylvania minimum liability coverage?
- Is my camper covered by my car insurance policy?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Compare prices but buy from a local Pittsburgh insurance agent
A lot of people still like to talk to an insurance agent and there is nothing wrong with that. Insurance agents can make sure you are properly covered and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can obtain lower rates but still work with a licensed agent.
Once you complete this quick form, your insurance data is sent to participating agents in Pittsburgh that provide free Pittsburgh auto insurance quotes for your insurance coverage. You don’t have to drive around since rate quotes are delivered immediately to your email address. If for some reason you want to get a rate quote from a specific company, you just need to go to their quote page and fill out their quote form.
Picking an insurance company should include more criteria than just the price. Get answers to these questions too.
- Are they full-time agents?
- How much will you save each year by using a higher deductible?
- Does the agency have a positive business rating?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will you work with the agent or an assistant?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you have an accident, will your rates go up?
- Is the quote a firm price?
Quote more to save more
Some insurance companies may not have online quoting and most of the time these smaller companies sell through independent insurance agents. Discount Volvo XC90 insurance can be bought from both online companies and with local Pittsburgh insurance agents, and you need to price shop both to have the best selection.
We’ve covered a lot of ways to compare Volvo XC90 insurance prices in Pittsburgh. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even find the lowest prices are with the smaller companies.
Drivers leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, not issuing a premium refund and even delays in paying claims. Whatever your reason, choosing a new company can be less work than you think.
Helpful articles
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Much is Auto Insurance for a Hyundai Sonata in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Pittsburgh? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for 18 Year Olds? (FAQ)
- What Car Insurance is Cheapest for Drivers with Accidents in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Pittsburgh? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- What to do at the Scene of an Accident (Insurance Information Institute)