Ways to Lower the Cost of Car Insurance in Pittsburgh, PA

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The average cost of auto insurance in Pittsburgh, PA, is $1,205. This is lower than the cost of auto insurance in neighboring places such as Allegheny County, Mount Oliver, Homestead, and Green Tree. Car owners need to compare multiple car insurance quotes before arriving at the one that best suits their coverage needs. This comparison will also help car owners in increasing their savings. The cost of auto insurance is influenced by numerous factors such as the make and model of the car and the neighborhood one lives in.

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Multi-Car Insurance:

Car owners who own multiple cars can save more on auto insurance by insuring their vehicles with the same company. As the infographic above indicates, insurance companies offer discounts on multi-car insurance policies. Insuring two vehicles under the multi-car insurance policy can help car owners in saving up to $313 in Pittsburgh, PA. Savings can total up to $627 through multi-car insurance policies.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.  

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Anti-theft Discounts:

Car insurers across Pittsburgh offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. A passive disabling device in Pittsburgh can save up to $84, and tracking devices can help save up to $72.

Car owners can also lower their cost of auto insurance by being a safe driver. Driving violations can have a long-term impact on the cost of auto insurance. Post-DUI, the cost of auto insurance can rise up to $1,897.