Philadelphia is a great place to live and work, but it can also be hard to get around without the proper car insurance. In a city with a high level of crime, drivers must ensure that they are properly covered in case of an incident. Fortunately there are some ways you can lower your auto insurance rate in Philly.
Cheap Philadelphia Auto Insurance
Auto insurance rates are often the lowest for drivers with no violations or tickets on their records. When setting your insurance premiums, insurers will consider a variety of factors including your driving record and credit score.
Where You Live In Philly Does Affect Your Rates
If you live near a crime-ridden area, your insurance rates could rise. The same is true for drivers who live in a neighborhood that has high numbers of uninsured motorists or is considered a dangerous place to drive.
Comparing quotes from several companies is the best way to get the lowest Philadelphia car insurance rates. Use our FREE online quote tool today to begin your search.
Philadelphia: How to keep your credit score high
A good credit score is one of the most important things you can do to lower your car insurance costs. Drivers who improve their credit scores from "Very poor" to "Exceptional", earn a 61% reduction in annual rates.
Drivers with bad credit often pay higher rates for auto insurance. 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 every driver to have auto insurance at least minimum coverage. This is the financial responsibility requirement of Pennsylvania and includes medical payments and liabilities.
You can add additional coverage to your policy, like comprehensive or collision insurance. 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 is the company that offers the best rates in Philadelphia for both full-coverage and minimum policies. The company's average prices for minimum-coverage policies are $183 a month, while its full-coverage rates are $277 a month.
DUI Charges in Philadelphia Are the Most Expensive
Drivers with a DUI on their records will typically pay the most for Philadelphia car insurance. DUIs are serious crimes and may indicate that you pose a greater risk to other drivers.
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 insurers offer accident forgiveness to help reduce the impact of a DUI.