Philadelphia is an excellent place to live, work and play. However, it can be difficult to navigate the city without proper auto insurance. It is a city known for high levels of crime, so drivers should make sure that they have the proper coverage in case an accident occurs. Fortunately, you can save money on auto insurance in Philly.
Cheap Philadelphia Car Insurance
Auto insurance rates are often the lowest for drivers with no violations or tickets on their records. Insurance companies will take into account a number factors, such as your credit score and driving history, when determining your premiums.
Where You Live In Philly Does Affect Your Rates
If you live near a crime-ridden area, your insurance rates could rise. It is also true that drivers living in an area with a high number of uninsured drivers or a place considered dangerous to drive will see their car insurance rates increase.
Comparing quotes from several companies is the best way to get the lowest Philadelphia car insurance rates. Our FREE online quote generator can help you start your search.
Philadelphia: How to keep your credit score high
It is important to have a good credit rating if you want to reduce your auto insurance rates. 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 uncommon for drivers with poor credit to pay more for their auto insurance than those with better credit. It is possible to improve your credit scores in Philadelphia with a little planning and some time.
Minimum coverage for Cheap Philadelphia Car Insurance
Pennsylvania law mandates that every driver carry at least a minimum amount auto insurance. This is also known as Pennsylvania's financial responsibility requirements and covers medical costs and liability.
You can purchase additional insurance to increase your protection beyond the minimum requirements, such as collision and comprehensive coverage. A full coverage insurance policy may cost more than the basic policy but is worth it if there are frequent accidents in your life or you need coverage for expensive items.
Erie is the company that offers the best rates in Philadelphia for both full-coverage and minimum policies. The average monthly price for minimum-coverage is $183 while the full-coverage prices are $277.
DUI Charges In Philadelphia Are The Most Expensive
Philadelphia auto insurance is usually more expensive for drivers with DUIs on their record. 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 drivers will also be considered higher risk and could need to look for a high-risk policy. Fortunately, there are many Philadelphia auto-insurance companies that offer accident forgiveness as a way to reduce the impact a DUI conviction.