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Understanding Pittsburgh Insurance

Sports fanatics in The ‘Burgh have it made. With two recent championships from the Steelers and Penguins, fans have a lot to cheer about. There’s not much to boo about when it comes to Pittsburgh insurance quotes either. Although auto insurance costs in the City of Bridges are slightly above the U.S. average, homeowners insurance rates have ranked well below. In 2007, the average Pennsylvanian paid an average of $689 annually for homeowners insurance, according to the Insurance Information Institute (III). That’s a nice number compared to the U.S average of $822. Here’s the lowdown on auto and homeowners insurance in Pittsburgh.

The Key to Savings

To drive legally in the Keystone State, you must have liability insurance in the amounts of $15,000 for injury or death of one person per accident, $30,000 for injury or death of more than one person per accident, and $5,000 for damage to property. But having the bare minimum protection is the pits if you hydroplane into a fire hydrant or if your car is stolen or vandalized. Collision and comprehensive coverages can help you in these situations. Collision insurance will cover the cost to repair your vehicle or, in the event it is rendered totaled, replace your vehicle. With comprehensive coverage you can rest assured knowing you will not be without a vehicle if your car is stolen. To boot, your windshield will be immediately repaired or replaced regardless the size of the crack by simply calling your Pittsburgh insurance agent.

Pennsylvania’s average insurance premiums were $25 more than the U.S. average in 2007, according to III. But you might find your Pittsburgh insurance quotes can be below the norm by finding ways to lower your annual premium. Most insurance companies will offer discounts on your auto insurance. If your vehicle has a burglar alarm or tracking device, you may see a significant decrease in your Pittsburgh insurance premium. Also, you can lower your premium by opting for limited tort rather than choosing full tort coverage, but you will be waiving your right to recover certain damages if you are involved in an accident.

Know Your Neighbors

Some of your neighbors think your homeowners insurance premiums look pretty good. The National Association of Insurance Commissioners shows the average HO-3 premium (the most common homeowners insurance policy in the United States) in 2006 for New Yorkers was around $869 and Connecticut’s was $878, whereas Pennsylvanians paid an average of $643. But these rates clearly don’t apply to all Steel City dwellers. Many factors will determine how your Pittsburgh insurance quotes pan out including the age of your home, the materials it was built out of, and where you live Allegheny County. If you live in a floodplain, it’s worth your while to search out separate flood insurance as it is not covered in your homeowners insurance policy.

Gather Pittsburgh Insurance Quotes

Adding extra coverage to your Pittsburgh insurance policies might be more affordable than you thought. Assess your needs, fill out a quick and easy form on, and then watch insurance companies compete to offer the most affordable Pittsburgh insurance quotes. Best of all, this service is a steal at the low cost of $0.

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