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 Car Insurance
The cheapest auto insurance is often for drivers who have no tickets or violations in their driving record. 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
Your car insurance rate could increase if you live in an area with a high crime and theft rate. 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. Start your search with our FREE online tool.
Philadelphia Credit Score Maintenance
Good credit is the best way to reduce car insurance costs. 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.
Cheap Philadelphia Car Insurance- Minimum Coverage
Pennsylvania law requires drivers to have at least the minimum level of auto insurance. The state requires that all drivers carry at least the minimum amount of auto insurance. This covers liability and medical expenses.
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 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 auto insurance premiums are usually higher for drivers with DUIs. 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.