Widely considered one of the most “liveable” cities in the U.S., “Steel City” has a lot to offer. That includes all the options for cheap insurance Pittsburgh agents can show you. Pennsylvania‘s rates are low in general, and the city isn’t an exception, although living in an urban area means you are going to pay more regardless. If you are one of the many new residents, are thinking of moving, or have lived in Pittsburgh your whole life, here are some tips on keeping your auto insurance low.

The Three Rivers City

Pittsburgh, Pennsylvania is full of busy tourists, daytime workers and the everyday American.

A quieter city with only around 300 thousand residents, Pittsburgh gives new meaning to city life.

This city is where the Allegheny, Ohio and Monongahela Rivers meet.

There is a beautiful landscape where water flows and life is abundant.

Nicknamed “The Steel City” much of what is produced here is steel and it makes up a large portion of the economy.

If you visit here you can check out the 446 bridges around the town. That is a lot of bridges and each one is unique.

There are 30 skyscrapers and two railway systems throughout the city.

Mostly a manufacturing city, steel, glass, metals and much more are made here and shipped around the United States and the world.

Pittsburgh citizens also love their sports teams.

The Pittsburgh Steelers are a great commodity to the town and make for a great boost in the economy as well.

The greater Pittsburgh metropolitan area has 68 colleges and Universities and boasts 2.4 millions residents.

If you already live here you know how great this town really is. It doesn’t get enough credit.

Yes the winters are cold and long and the summers hot, but this place is truly an All-American town.

Many people commute to work from suburbs outside of Pittsburgh. They need great protection when driving in such a congested place.

Real estate is still quote affordable here and if you are looking into purchasing a home a great insurance policy will come in handy.

You will want to have the cheap insurance Pittsburgh residents deserve.

How Can I Get The Best Insurance In Pittsburgh?

The first thing you should do when looking for cheap insurance is to talk to a broker.

A broker is an experienced professional who knows all a bout insurance.

They work for the consumer, which is you and not the insurance agency.

You can ask them anything from how you can get better discounts to bundling on your insurance policies.

You will also want to get educated about the insurance laws in your state.

Every state is a little different but most make you carry car insurance and motorcycle insurance.

You may want to ask about what discounts can be applied to your policies.

You can save by putting more than one insurance policy with one company.

Insurance companies like to reward loyalty from their customers.

Get the best cheap insurance Pittsburgh has to offer by calling an agent today!

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Insurance Requirements Pittsburgh

Car Insurance

Car insurance is a state requirement in Pennsylvania.

This means that you must have it whenever you drive a car or own one that is out there on the road.

You will also need a valid drivers license and current registration.

There is a minimum amount of car insurance that every driver needs in this great state.

Here are the requirements you will need:

  • Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident.
  • Property Damage Liability Coverage: $5,000.
  • Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident*
You can also have more than just the minimum coverage. If you are looking for full coverage which you will need if you have a loan out on your vehicle, this is what you might need:
  • Collision insurance which will protect your own car if damaged in an accident.
  • Comprehensive insurance will protect you from theft as well as other small damages to your car.
  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.

If you are looking for great cheap car insurance Pittsburgh drivers need call a broker.

Talking to a broker can be a great resource and ease your mind about purchasing insurance.

The Best Tip We Can Offer

First of all, no matter where you live, getting comparison quotes is the best way to save money. Now that so many insurance carriers have nationwide programs and online rating tools, it’s easier than ever to compare rates. If you’ve been with your company for longer than a year, there’s a good chance you can find a lower monthly price.

Other Ways to Save

  • Enroll in EFT: If you are one of the millions of drivers who pay their insurance in monthly installments, signing up for Electronic Funds Transfers can save you as much as $15/month in billing fees. It alas has the advantage of lowering the chance of your policy cancelling for non-payment.
  • Know your neighborhood: Shady Side and Fox Chapel are going to have lower rates for some coverages than neighborhoods like the Hill District or North Side
  • Know your city’s traffic conditions: There are almost a million commuters on the road every day during peak traffic hours. Taking public transportation will not only save you some headache, but can also lower your rates.