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, 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. Insurers will look at a number of factors when setting your premiums, including your credit score and your driving history.
Where you live in Philly does affect your rates
You may see an increase in your auto insurance rates if you reside in a neighbourhood with higher rates of crime and theft. 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.
Keeping Your Credit Score Up 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 is common for drivers with bad credit to pay a higher rate for their car insurance than drivers with good credit. With some planning and time, you can significantly improve your credit rating and lower your insurance rates.
Cheap Philadelphia Car Insurance - Minimum Coverage
Pennsylvania law requires that all drivers carry a minimum amount of insurance. It is called the state's financial obligation requirement, and it covers medical expenses and liability.
If you want to go beyond the minimum insurance requirements, like collision or comprehensive coverage, then you can buy additional insurance. A full-coverage policy is more costly than a standard policy. However, it may be worth the extra cost if accidents are common or if valuable items inside your vehicle need to be covered.
Erie has the lowest Philadelphia car insurance rates, both for minimum coverage and full coverage. The company's average prices for minimum-coverage policies are $183 a month, while its full-coverage rates are $277 a month.
The most expensive DUI charges in Philadelphia
Philadelphia car insurance rates are higher for drivers who have a DUI in their history. 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. Many Philadelphia auto insurance providers offer accident forgiveness programs to ease the impact of DUI convictions.