Philadelphia is an excellent place to live, work and play. However, it can be difficult to navigate the city without proper auto insurance. Drivers should ensure they are covered in the event of an accident, as Philadelphia is known for its high rate of crime. There are several ways to reduce your car insurance in Philadelphia.
Cheap Philadelphia Auto Insurance
Drivers with clean driving records are likely to pay less for their auto insurance. Insurance companies will take into account a number factors, such as your credit score and driving history, when determining your premiums.
How much you pay for rent in Philly depends on where you live
Rates for car insurance could go up if your neighborhood has a higher rate of theft and crime. Drivers who live in a neighbourhood with high uninsured motorists or considered to be a dangerous area for driving could see their insurance rates go up.
You can find cheap Philadelphia car insurance by comparing quotes from various companies. Our FREE online quote generator can help you start your search.
Keep Your Credit Score High in Philadelphia
It is important to have a good credit rating if you want to reduce your auto insurance rates. In fact, drivers who raise their credit score from the "Very Poor" tier to the "Exceptional" tier earn a 61% decrease in annual rates!
It's not uncommon for drivers who have poor credit scores to pay more than those with good credit. But, with some careful planning and a little time, you can improve your credit score and make a big impact on your insurance rates in Philadelphia.
Minimum coverage for Cheap Philadelphia Car Insurance
Pennsylvania law requires every driver to have auto insurance at least minimum coverage. This is also known as Pennsylvania's financial responsibility requirements and covers medical costs and liability.
Purchase additional insurance, such as comprehensive and collision coverage, to enhance your protection. A full coverage policy will cost more than a basic one, but can be well-worth the price if your vehicle is valuable or you have a tendency to get into accidents.
Erie has the lowest Philadelphia car insurance rates, both for minimum coverage and full coverage. Average monthly rates for the company's minimum-coverage policy are $183, and its full-coverage rate is $277.
The most expensive DUI charges in Philadelphia
Philadelphia car insurance will be more expensive for drivers that have a DUI. This is because a DUI is a serious offense and can be a sign that you are more of a risk on the road.
DUI-convicted drivers may also be deemed more risky, and they might need to find affordable insurance through a highrisk insurer. Luckily, many Philadelphia auto insurance companies offer an accident forgiveness program to help ease the impact of a DUI conviction.