Philadelphia can be a great city to live and to work in, but you may find it difficult to get around if you don't have the right car insurance. The city is notorious for its high crime rate, so drivers need to make sure they have the right coverage in case they get into an accident. Fortunately, there are ways to save on your auto insurance rates in Philly.
Cheap Philadelphia Auto Insurance
Auto insurance premiums are usually the lowest when drivers have no traffic violations or tickets in their records. When setting your insurance premiums, insurers will consider a variety of factors including your driving record and credit score.
What you live in Philly affects your rates
Your car insurance rate could increase if you live in an area with a high crime and theft rate. 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.
Compare quotes from different companies to find the best deal on Philadelphia auto insurance. Our FREE online quote generator can help you start your search.
Keeping Your Credit Score Up In Philadelphia
A good credit score is one of the most important things you can do to lower your car insurance costs. As a matter of fact, drivers who boost their credit score from "Very Bad" to "Exceptional" earn a 60% reduction in rates annually!
It is not unusual for drivers to pay more for car insurance if they have bad 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.
Cheap Philadelphia Car Insurance - Minimum Coverage
Pennsylvania law requires all drivers to carry at least the minimum amount of auto insurance. 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. Full coverage policies are more expensive than basic coverage, but they can be worth it if you're prone to accidents and need extensive coverage for your valuables in your car.
Erie is the company that offers the best rates in Philadelphia for both full-coverage and minimum policies. Prices for full coverage are $277 per month. Minimum-coverage policies cost $183.
DUI Charges in Philadelphia Are the Most Expensive
Philadelphia auto insurance premiums are usually higher for drivers with DUIs. A DUI can be a serious offense that indicates a driver is more likely to cause an accident.
DUI offenders are also considered more risky drivers and may be required to seek affordable coverage with a high-risk insurance company. Many Philadelphia auto insurance providers offer accident forgiveness programs to ease the impact of DUI convictions.