Pittsburgh is the second most congested city of Pennsylvania. With so many people and cars, Pittsburgh car insurance is very important! Compare car insurance quotes for?Pittsburgh?with our ZIP code search! Being industrious in nature, Pittsburgh motorists spend a lot of time on the road. The average Pittsburgh driver spends 23.1 minutes commuting to and from work each day. When this is multiplied with the population of the city, one finds that there is more than 7.1 million minutes worth of driving time daily. Looking for affordable car insurance? Enter your ZIP code above and start comparing TODAY!
Pittsburgh Car Insurance Laws
Taking these staggering statistics into account, one begins to comprehend the need to be fully protected when travelling on the road. In fact, it is required by law that every driver should carry a minimum amount of insurance. In Pittsburgh, it is not even possible to register a car unless the buyer proves that they have insurance. Not being insured can leave one open to lawsuits and financial devastation if they are involved in an accident.
If one continues to drive without insurance in Pittsburgh they may face the following stern action.
- A fine of $300 or more operating a vehicle without insurance
- Suspension of driver?s license and three-month registration
- Registration reinstatement fee of $50
- Driver?s license reinstatement fee of $50
In addition, if there is a lapse in insurance of less than 31 days the vehicle cannot be used until the insurance is reinstated. If the lapse is more, then the plates have to be turned in to PennDOT before the 31 day limit runs out to avoid the penalties. Upon turning the plates in, a letter of suspension of the driving privileges will be sent by the PennDOT along with instructions on how to have it reinstated.
Pittsburgh also practices no-fault car insurance laws. In a broad sense, this means that the driver?s own insurance company is required to reimburse the damages caused to the driver and the passengers in an accident according to the terms of the policy, regardless of whose fault the accident was. In addition, the driver does not have the right to seek damages caused by the other party.
Pennsylvania Insurance Requirements for Private Vehicles
In order to be able to register a car in Pittsburgh it is obligatory to have a minimum liability insurance policy. The coverage must include the following:
- There must be $15,000 of coverage for injury or death to one individual for a single accident.
- There must be $30,000 of coverage for injury or death to more than one individual for a single accident.
- There has to be $5,000 worth of property damage.
This is obviously the minimum coverage, and it is common knowledge that accidents are potentially very expensive. To fully protect one?s self, it is best to have more. Knowing the exact type of coverage and the amount is perhaps the single most difficult part when buying car insurance. In a city as congested as Pittsburgh, where the chances of accidents are enhanced due to the amount of traffic, being properly insured becomes more important.
Other than accidents, car theft can also create a major financial burden above and beyond leaving one stranded without a means of transportation to and from work. There were thousands of reported car thefts in Pittsburgh last year alone. Besides having theft insurance, it is important to secure the car with safety features like car alarms and trekking devices. Not only do they protect the car against being stolen, such security measures also helps find low cost car insurance.
Average Car Insurance Costs in Pittsburgh
Residents of Pittsburgh dish out an average of $1,460 for car insurance ? that is 2.2% less than Allegheny County and 11.77% more than the average rate for Pennsylvania car insurance. There are numerous factors that are taken into account by the insurance companies when determining the cost premiums. Basic information like the amount of coverage, driving experience and previous record, marital status, age, type of car, amount of time the car will be on the road, type of driving (congested city vs. urban) and numerous other factors are taken into consideration to determine the cost of a policy.
Due to the number of variables involved and the competitive nature of the business, no two car insurance companies will give the exact quotes for the same policy. Therefore, it is essential to compare the prices of different insurance companies to get the best possible deal before settling with a company.
Pittsburgh Car Insurance Statistics
There were 26 fatal car crashes that took place in Pittsburgh in 2004, and this does not factor in the numbers from the neighboring towns or cities. A total of 65 people and 35 cars were involved in those crashes and over 5,000 cars were reported stolen in 2005.
Insuring a vehicle is a top priority for every car owner, but the jungle of insurance choices available may leave one in a daze, not to mention a bit intimidated. To be able to decide which insurance company will best suit the individual needs and compare the car insurance rates of the numerous companies, it is best to have a systematic approach.
- Decide the amount of coverage desired.
- Have the make and model of the car to be insured handy.
- Have all personal information and driver license ready.
- Have a list of the anti-theft devices installed in the car like a trekking device, alarms or any automatic locking systems.
- Have a list of the safety features installed in the car like seat belts, number of air bags and any sensors or alarms.
When comparing the rates of different companies, it is important that the same information should be provided to each one, so that the criteria for determining the cost of insurance should be the same. This way the quotes one gets will be more meaningful. Also, the more complete information one provides, the more accurate the quotes are likely to be. One should also take the time to compare state car insurance to insure they are not overpaying for their insurance!
Compare Pittsburgh Insurance Rates
Cost of insurance varies among the different companies, so a good rule is to get quotes from at least three different companies. If one is not familiar with any companies and their reputation, then a good place to get an idea would the Pennsylvania Insurance Department?s Rate Comparison Guide. The guide lists the top car insurance companies according to written premium volume by county.
When comparing rates, it is important to remember that many companies offer discounts for safe drivers, use of safe cars (cars that have good safety ratings in government safety tests), drivers with package policies, good students and more. Also, higher deductibles lead to lower premiums, so the cost of a policy can be lowered by choosing the deductible carefully keeping one?s income in mind. Enter your ZIP code and start your car insurance comparison search TODAY!
START YOUR FREE CAR INSURANCE QUOTE COMPARISON NOW!
Source: http://www.carinsurancecomparison.com/pittsburgh-car-insurance/
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