Car Insurance Quotes Philadelphia

Car Insurance Quotes Philadelphia

Philadelphia is the biggest city in Pennsylvania with lots to see and do, but car insurance there can be pretty pricey. The good news is, if you take the time to shop around, you can still find affordable coverage that suits your needs. There are different types of auto insurance you can get in Philly, like liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection(PIP), and medical payments coverage. Each one protects you in different ways.

To get the best deal, it helps to know what affects your insurance rates and to compare quotes from different companies. You’ll also learn which insurers have the best customer reviews, what the average rates are in your area, and how much you could save by choosing the right coverage. Plus, you’ll see how things like accidents, tickets, or adding a teen driver can change your rate.

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Philadelphia Auto Insurance Minimum Requirements

If you drive in Philadelphia, you need to have at least the minimum car insurance required by the state. This includes the following coverage:

•  Bodily Injury Liability: $15,000 per person, $30,000 per accident
•  Property Damage Liability: $5,000
•  First Party Benefits: $5,000
•  Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident unless you reject this coverage
•  Underinsured Motorist Coverage: $15,000 per person, $30,000 per accident unless you reject this coverage

Why Car Insurance Costs More in Orlando

Orlando has a lot of traffic, many tourists, and bad weather like hurricanes, which all push insurance prices up. On top of that, Florida has a lot of drivers without insurance and a high number of accidents, so it’s really important to shop around for the best deal.

What Changes the Cost of Car Insurance in Orlando

Car insurance prices in Orlando aren’t the same for everyone. Here’s what can make your quote higher or lower:

Your Age and Driving Skills:

• Younger drivers often pay more, especially if they’re under 25.
• The more experience you have and the better you drive, the less you’ll usually pay.

Your Driving Record:

• If you’ve had accidents or tickets, your rates can go up.
• If your record is clean, you’ll likely get a better price.

Your Credit Score:

• In Florida, insurance companies look at your credit.
• A good score can save you money, while a low one might cost you more.

Where do You Live in Orlando?

• Some neighborhoods have more accidents or car thefts, which can raise your insurance costs, even just based on your ZIP code.

How Much Coverage Do You Want:

• Basic plans are cheaper but don’t cover as much.
• Full coverage gives you more protection, but it costs more, too.

Cheapest Car Insurance Rates by Company

The table below shows the car insurance companies that charge the cheapest coverage rates in Philadelphia, Pennsylvania.

Group—————————————————- Average
Allstate————————————————– $7,384.06
Geico—————————————————- $4,621.12
Liberty Mutual—————————————– $12,538.89
Nationwide——————————————— $4,996.19
Progressive——————————————— $7,433.97
State Farm——————————————— $4,804.08
Travelers———————————————– $15,126.36
USAA—————————————————- $2,954.06

Best Car Insurance in Philadelphia

State Farm:

• Known for affordable quotes and great customer service, State Farm is a popular choice for full coverage and new drivers.

Geico:

• Offers cheap rates and easy online quotes, making it simple for Philly drivers to save on insurance.

Allstate:

• Has a variety of car insurance options and helpful tools for young drivers and those looking for good coverage.

Country Financial:

• Offers different car insurance plans with no deposit options, great for both new and experienced drivers.

Liberty Mutual:

• A reliable choice with personalized rates, Liberty Mutual is perfect for young drivers and those needing full coverage.

Tips for Saving on Car Insurance in Philadelphia

There are plenty of ways to save on car insurance in Philadelphia. Here are a few easy tips:

• Compare quotes from different insurance companies in Philadelphia.
• Bundle your home and car insurance with the same company to get discounts.
• Take advantage of discounts for being a good student, a safe driver, or having multiple policies with the same provider.
• Consider using telematics, as some companies offer discounts based on your driving habits.
• Check your coverage every year to make sure you’re getting the best deal.
• Think about buying a less expensive car to lower your premiums.

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Car Insurance Discount in Philadelphia

Various discounts tailored to your needs, including:

• New Vehicle Discount
• Good Student Discount
• Good Driver Discount
• DriveEasy Discount
• Multi-Policy Discounts

Car insurance in Philadelphia can be pricier than in other places, but by shopping around and knowing what affects the price, you can find affordable and reliable coverage. Start your Philadelphia auto insurance quote online.

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