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How To Stop Making Mistakes With Philadelphia DMV

As per the norms of the Philadelphia DMV, car insurance is absolutely a necessity for cars owners of the city. However, we must know that it is for our own safety. The transport department has enforced such a rule. Say, you meet with an accident, which results in substantial injury and damage to property. What will you do if you are at fault? Not only do you need to compensate for the damages you have caused, but also spend money on your treatment, which in some cases may be worth quite a lot. This is when car insurance comes in. Car insurance is a policy you purchase from an insurer, which assures to pay for the damages and medical expenses, in case the insured is involved in an accident. In other words, it is a proof of the vehicle owners’ financial responsibly. Of course, they are bound by a set of conditions.

The state along with the Philadelphia Department of Motor Vehicles demands a minimum coverage of liability, worth the following amounts:

•             Bodily injury – It covers for the injuries and damages off which, you are at fault. It is worth $15000* per person, and $30000* per accident.

•             Property damage – If you cause any damage to property during a car accident, this coverage covers for it. It amounts to $5000*.

•             Medical benefits – Irrespective of who is at fault, this coverage pays for the treatment, if you are involved in a car accident.

In addition, there are a few types of coverage like Collision Coverage, Uninsured and Underinsured Motorist Coverage and Comprehensive Coverage. Although you are not bound by the DMV of Philadelphia to purchase them, but you can always opt for them, if you want to secure yourself and your car more.

There are a few factors affecting your auto insurance quote. They are:

•             Age – Those below the age of 25 are considered ‘high risk’ drivers, and require to pay a higher rate of premium for their car insurance.

•             Marital status – Marriage is a union, where you take up the responsibility of another human being. Both married men and women are considered safe drivers. As they have a family to think of, safety is their first priority. Thus, car insurance premium for them is quite low. If a married couple decides to get a divorced, then the quote is revised, and a new rate is provided.

•             Gender – Women are thought to be safer drivers than men, and hence pay low insurance premium.

•             Area of residence – Your auto insurance quotes is greatly influenced by your area of residence. Ones living in the suburbs need to pay lesser premium than those in the cities. In addition, the rates vary from neighborhood to neighborhood. Ones residing in well-guarded and safe areas pay lesser than dwelling in places, where car theft and other crimes are rampant.

•             The model and the price of your car – The type of car you drive affects your insurance quotes. If you drive an expensive model, then you need to pay a higher premium, as they would cost the insurance company quite a lot to get it repaired. Car insurance, in the case of second hand cars cost less.

Philadelphia DMV is not lenient when it comes to dealing with drivers driving without their car insurance proofs. If you are caught, you may end up losing your license, or may even be briefly imprisoned.

If you are looking for auto insurance in Philadelphia, we are there to make things easier for you. Just enter your zip code.

Factors You Need To Understand About Car Insurance in Philadelphia

A car is one of the most important objects of an average American household. It not only makes our journeys more convenient, but also saves up a lot of our time. However, owning a car also means additional responsibility from the owner’s end. After you have bought a car, you need to insure it, to protect it, and yourself from damages, resultant of manmade or natural disasters. Acquiring an insurance for one’s car is enforced by the American law, failing which, one is heavily penalized. The state of Philadelphia makes it mandatory for all car owners to possess auto insurance. As a result, it is quite easy to obtain auto insurance in Philadelphia. The basic coverage or the liability requirements of the state are as follows:

Bodily Injury – It pays for the damages and/or injuries caused by a driver in an accident. In PA, the minimum amount is $15000* for a single injury, and $30000* for the entire accident.

Property Damage – It compensates for any damage of property, resultant of an at-fault accident. PA requires at least $5000* worth of this coverage. In addition, there is an optional, but highly recommended medical coverage, which bears the medical expenses, in case there is any injury caused during the accident. It does not take into account, which party is at fault, and has a minimum worth of $5000*. Philadelphia has a low crime rate, but the state is plagued with unemployment, and high cost of living.

As a result, the crime rate in cities like Philadelphia and York is higher than the national average. This is one of the contributing factors to the high premium rates of car insurance in Philadelphia. The average Philadelphia car insurance quote is $2313*. There are a few things you need to acquaint yourself with, while fishing for auto insurance in Pennsylvania.

Premium rate – It is the amount you require to pay for a fixed span of time, in order to get car insurance coverage. It depends on various factors, like your age, gender, marital status, driving record, the model and age of your car, etc.

Philadelphia Insurance discounts – Always remember, that discounts can save you large sums of money. So don’t shy away from asking for them. If you buy your auto insurance from the very insurer who has insured your home, then they may offer you either, at a lesser cost. Also, students with good grades, senior citizens with good driving records, and safe drivers are also eligible for discounts.

Philadelphia Deductible Values – It is a portion of the total amount, which you are liable to pay after an accident. The insurance company pays the rest.

Philadelphia Collision Insurance – As the name suggests, it covers for the damages caused by an accident.

Philadelphia Comprehensive Car Insurance – It covers you as well as any automobile you drive. It not only takes into account driving incidents, but also natural disasters like fire, earthquake, flood, animal attacks, and manmade ones like theft and vandalism. You may need Comprehensive Car Insurance, if you lease out your car.

Philadelphia Car Insurance Claims Procedures – If you have been involved in a vehicular accident, or you car has been stolen, you need to follow a few steps. You must remember, each company has its own format of analyzing insurance quotes.

Philadelphia Car Insurance Company Profiles – It is definitely an intelligent option to gather information on insurance companies, before making a purchase from them. This will reduce misunderstandings, and fraud.

Philadelphia Torts – Pennsylvania  is a tort state. There are two main types of torts-

Limited Tort – It enables you to recover a portion of the damages caused due to an accident.

Full Tort – This allows you to sue the guilty party of a car accident.

Philadelphia Assigned Risk Plan – It is for those car owners, who, due to reasons like their driving record, or the vehicle type, are unable to get hold of regular car insurance.

Eligibility criteria for procuring an Assigned Risk Plan are as follows:

– If all the licensed drivers of the household have not been involved in any accident in the last 36 months

– If all the licensed drivers of the household have been involved in accidents, where the car insurance has paid $1150 or less, for the damages.

– If all the licensed drivers of the household have not more than 3 violation points.

– If all the members of the household have no history of driver’s license suspension or revocation.

– If all the drivers of the household have a valid Philadelphia license for three years or more.

While voyaging through the streets of Philadelphia, make sure you always keep the crucial documents like proofs of medical benefits, property damage liability, and bodily injury liability, with you. Or else, you may be heavily fined.

In some cases, your license may be suspended. In order to reduce your premium more, try paying a high deductible; especially if you have a squeaky-clean driver’s profile. You can make a prior arrangement to cut off your car insurance rates. Compare the various models and their sizes. Older models need lesser premium, and so do smaller ones. Your locality also affects your insurance rates. Places where theft is prevalent, the rate of car insurance is higher. Lastly, always compare the various quotes and schemes offered by different Philadelphia car insurance agencies. It is highly recommended, that you examine at least three. Consult financial experts if you need to. There are a number of sites, which provide useful information on auto insurance, and will surely guide you accordingly.

The cost of car insurance in Philadelphia is expensive. Although you may consider the entire concept of car insurance to be an additional financial burden, you cannot deny that it is for your own benefit and protection. By exactly knowing your needs, and choosing the correct policy, you can easily cut down unnecessary expenditure on your Philadelphia car insurance. So what are you waiting for? Enter your ZIP code to know the offers on auto insurance policies near you. It’s FREE!


Ways to Go For Car Insurance in Philadelphia

Auto insurance is something that you must have if you own a car and living in Philadelphia. By the state laws, you are supposed to have insurance for your private vehicle or you might be fined heavily if you do not have one. Now none of us wants to get into any kind of trouble and for that, it is always advisable to do whatever it takes to follow the norms of the state. If you have a car, get car insurance! It is easy to say, but the entire process of obtaining the right car insurance in Philadelphia is not an easy one.

Before you venture forth into getting hold of car insurance, here are some vital information that you need to know.

1. Primarily, we must start with the law and that is mandated by the Philadelphia DMV. Now what does it mean? DMV is the short form for Department of Motor Vehicles. This is the department of Philadelphia, wherein formulates state law for all the vehicles on the road. They have a very strict, no rule breaking policy and if anyone is caught either breaking or not abiding with the various laws of the DMV, they will surely find themselves in trouble. Moreover, all your driving records are kept with the DMV and the car insurance companies always confirm with them your records before they agree to give you your chosen insurance policy.

2. Second thing that you need to know about car insurance in Philadelphia is what the various requirements that you need are. Based on the requirements, it is decided as to whether you will get the car loan of your choice or not. The various details that are taken into account are your age, residential address and many others. The most important amongst these are and the one, which holds the maximum weight age, is your driving record. With a clean driving record, it is always easy to get your car covered, but when your driving records show many tickets to your account or incidents of rash driving, then chances of you paying more premium increases. All your driving records are available from the Philadelphia DMV as mentioned earlier. Therefore, if you are planning to get car insurance make sure that you do not have much parking tickets and that you do not indulge in rash driving.

3. As mentioned earlier, the laws of the state of Philadelphia is very strict. They have stringent laws against drinking and then driving. The Philadelphia DWI and DUI laws are followed, at any time of the day. On top of that, if you crash into another car in an inebriated state then you will also have to pay for the repair of the other car. So, make sure that you have proper insurance for your car, so that you can bring down the expenses a little, but getting your car covered is not an excuse to drink and drive.

4. When you will apply for car insurance in Philadelphia as per the norms of the DMV, after every detail of the process is completed you will be handed over an insurance card. This portable card will carry the details of the particular insurance coverage and the time selected by you. This card will come extremely in handy in case of accidental collisions on the road. So, make sure that once you get all your insurance papers in place, you must collect your card and whenever driving, keep the card with you at all times!

5. Suppose you and your insured car causes an accident then according to the laws of the Philadelphia DMV, you will have to pay for the bodily injuries that you are responsible for. This very common thing is faced by many drivers on the road. If you want coverage of this sort, then it is best to have liability coverage. If you have liability coverage, then your insurance company will pay for the injuries and unbelievably, you will certainly need your insurance company to take care of the matter since the cost for such treatments are costly.

6. Also, before you get your car insurance in Philadelphia, get the complete information on the split limit. The split limit coverage splits your liability coverage into two parts – one is for the property damage and the other one is for the physical injuries caused by the accident. Opposite to the split limit is the combined single limit that combines both these two parts into a single coverage. With proper advice from your agent and after assessing your needs, decide carefully which of this coverage is best suited for you.

7. Apart from the basic benefits of car insurance in Philadelphia, towing services in case of damage to the car on the road are also provided. There is an option of rental coverage as well where you will get a car at your disposal until the one that is yours comes back from the repair shop. There are various options for under-insured coverage as well if you have a low income but you have to get your vehicle insured!

So acquire proper information before settling with any car insurance policy. By taking just a few minutes to enter your zip above, you can quickly run a free car insurance price check to make certain you are not overpaying. Get the right policy and rate that meets your needs and walk away with some extra ready money. Enter your ZIP above to try it now.

The Basics about Obtaining Auto Insurance in Philadelphia

For one to enjoy a settled life, one has to gather all the scattered pieces from here and there, bring them together, and then build a beautiful life. When it comes to getting the perfect auto insurance, the process is not much different. We all know that to get the best auto insurance in Philadelphia, you will first need to gather all the information and then decide upon one to ensure you have the best. However, the process is not as simple as it sounds. Let us look at the basic problem and then find out the solution to it, which are the first steps towards gathering auto insurance information in Philadelphia.

The Typical Issues

One of the major problems that we face when it comes to getting auto insurance in Philadelphia is gathering all the information and all the quotes being offered by the car insurance companies. All these information need to be collected together and then you have to sit down and see which coverage is the best one for you. During the decision making process, you will have to go through many car insurance quotes, some of which are not related to your requirements at all.

This task is and is usually tiresome bound to take up a lot of your time. However, if you are looking for some concrete information suited to your needs regarding auto insurances, then a search engine will yield various results. Now you will have to go through these sites to find out the insurance company and quote of your choice. Just for car insurance in Philadelphia, it is not fair that you will have to spend so much time. So, what should you do? How would you solve this problem? The solution is definitely not that of not getting car insurance at all. You have to get an auto insurance coverage policy, which is well suited for you and that too without devoting much time!

Simple Solution

We are aware of these problems, when people search for auto insurance in Philadelphia. Therefore, to make things a little bit easier for everyone we have brought up our own website, which will provide you with a solution to your insurance related problems. All you have to do is visit our website’s homepage where you will have a bar on the top of the page. Enter your residential address zip code and our specialized search will provide you with all the quotes that are available pertaining to your area. You can further narrow your search by entering your requirements and then within a flash of a second you will have a list of companies who are offering suitable insurance quotes. With us, your search becomes very specific and hence you will be able to save a lot of time this way. Gather your options fast, but make a very carefully analyzed decision about which insurance coverage to opt for!