Helpful agents are standing by: (215) 600-1455
Press play below to listen to our audio commercial:

Tips for Reducing the Premium Cost of Your Auto Insurance in Philadelphia

affordablePhiladelphiaCarInsuranceUSA is one of the largest and most densely populated countries in the world. Recent statistics have revealed that the country owns about 35% of the cars of the world. With about 300 million people dwelling in the country, each family owns an average of two cars. We all know that cars should be driven responsibly to avoid mishaps and for this very purpose, the American government has made auto insurance mandatory. Since it is a criminal offence to drive an uninsured car, if you are caught driving one in the streets of America, you stand the risk of getting your driving license suspended or get imprisoned. Make sure to always carry the necessary documents and proofs of insurance or else you may have to end up paying a hefty fine. The minimum insurance coverage you need to have is called liability. Liability coverage can be used to compensate for the damages caused to the victim party in case you are the one at fault in the accident and pay for your repairs as well. This coverage helps if your car is damaged by any natural phenomenon like earthquake, hurricane, flood, etc. This amount varies from state to state, region to region.

The state requires a minimum of $15,000 for bodily injury (per injured person) which may amount to $30,000 for each accident. In addition, you need to have Property Damage Liability coverage worth at least $5,000. This type coverage is often referred to as 15/30/5 coverage. The average premium of auto insurance in Philadelphia is $2,313. This staggering price is no more surprising since it is the largest and the busiest city of the state with a larger frequency of accidents than smaller towns and cities like Pittsburgh and Altoona.

Despite the high prices of Philadelphia auto insurance policies, it is still possible to make the best out of them and reduce additional expenses. Here are some tips.

1. Try to obtain quotes from many companies as you can to avail the best deals.

2. Loyalty towards a particular insurance company can fetch you big discounts. If you purchase insurance from the company insuring your house, they may provide you deals at a lesser cost.

3. You must have heard of the second car on the motor quotation. Indeed, the insurance for the second car can be obtained at a lesser price.

4. The engine size, build and the model of the car, its age and price is needed for calculating the insurance quotes. For your premium to lower, go for a small car needing lesser modifications and small engine.

5. Make sure you park your car in a safe place like your garage. Risk of theft makes the insurance price increase.

6. The lesser you modify your car, more premium you need to pay. However, modifications enhancing the security of the car help you cut down the insurance costs.

7. If you choose to pay a higher deductible, you reduce the risk associated with you. The company pays for the big damages, while you pay for the smaller ones.

8. Women have a better reputation as drivers than men and can acquire auto insurance in Philadelphia at a cheaper rate. If a female family member uses your car frequently, then you get the policy under her name. Young drivers can add the names of older and experienced drivers, to reduce expenses.

9. Maintain a clean driving record to claim big discounts. Those with impressive driving records are considered to be low-risk drivers and are assumed to cost the company less.

10. If you have your own car insurance policy, you can claim a no claims discount.

11. Keep yourself updated each year about the schemes and plans offered by various companies.

Keep in mind that if the liability coverage offered is quite low, it may not suffice once you get into a serious accident. Try to get a few add-ons like medical expense coverage and uninsured motor vehicle coverage. It may seem expensive initially but will help you save money in the long run. If you bring your second car under the same policy, you can purchase an uninsured coverage for a vehicle. However, buying an additional coverage will make you pay more premium but will also mean additional protection. Another aspect of the Pennsylvanian car insurance norm you can use is the system of torts. They are of two types, the full tort and limited tort. This system ensures your right to be compensated by the guilty party if you or any of your family members is involved in an accident. It is always wiser to choose the full tort as your compensation claim can be unrestricted in that case.

Factors like accidents, speeding tickets, and low credit scores may compel you to pay higher insurance premium for your car. However, in time the charges drop off your driver’s profile you can try improving your credit and easily ask your insurance company to reduce your premium. Don’t forget to compare the quotes from various companies before choosing one. Try to divide your insurance expenditure into a monthly format to make your calculations easier and accurate. Inform the car insurance company of your choice with your needs and requirements and take time to listen and negotiate to come to a fruitful conclusion with them. Having your driving license, a copy of your insurance papers, and your car’s VIN number on hand is highly advisable.

Car insurance, although designed for your own safety, can be nothing but an additional expenditure if not use of properly. A few simple tips will make you reap nothing but benefits out of your Philadelphia car insurance policy.

Enter your zip code and choose the best auto insurance quotes in Philadelphia. Selecting car insurance has never been easier!


Things to Remember When Shopping for Auto Insurance in Philadelphia

The state of Pennsylvania makes it compulsory for every car owner to possess auto insurance. Auto insurance is quite a competitive enterprise with one company trying to take over the other. Today where almost everything can be done with just one click away, most of the leading auto insurance companies offer the option of online purchase. While shopping online for your auto insurance in Philadelphia, there are a few important things to remember before you get confused.

First, try to go for companies with good reputation for satisfying their customers. Since you are the one who is to pay the premium the company and its policy demands, you can definitely expect their behavior to be courteous and helpful. They must be efficient and reliable in terms of providing their services. Your insurance company must be there to help you and clarify your doubts no matter how minor they are and must answer all your questions promptly and precisely. Pay attention to small signs like putting you on hold during a call and the approach of the customer support service representative while doing queries for Philadelphia auto insurance.

Next, take a note of the prices offered by the insurance company for their various car insurance in Philadelphia. The quotes differ with every customer based on personal details like age, marital status, driving records, model and price of the car and area of residence. However, insurance companies are forbidden by law to deny insurance to any applicant on discriminatory grounds. Collect as many quotes from various companies and make a thorough evaluation before choosing one.

Also, take into account the financial stability of the insurance company. It will be one of the chief factors determining if your company can pay you when you make a claim. Since more companies are threatened by closure and bankruptcy nowadays, it is always best to choose a company that has shown economic consistency. Companies registered under the state are good options for this case. Auto insurance in Philadelphia is absolutely mandatory; the registered companies get funds from the state during financially difficult times.

Buying car insurance in an expensive state like Pennsylvania is not a piece of cake. You need to spare enough time and research before choosing the one that suits you the best. Ask friends, family and acquaintances for suggestions and recommendations or you can check the local listings. The PennDot provides ample information regarding auto insurance policies and state registered companies along with its strengths, weaknesses, and pending legal cases on them. Log in to sites allowing you to compare auto insurance quotes for free. By entering your zip code and answering a few questions, you can get hold of quotes from different companies. Compare, contrast, and wisely choose your Philadelphia car insurance.

Look no further and enter your zip code to get the best quotes near you!

3 Phases of DUI/DWI Offense That Can Affect Your Car Insurance Philadelphia

AutoInsuranceInPhiladelphiaCompaniesDriving at the state of drunkenness is a criminal offence. By driving under the effect of intoxicating substances, you not only put yourself but also the lives of others under jeopardy. Pennsylvania is a state with strict laws when it comes to driving. One of the strict laws is the mandatory purchase of car insurance Philadelphia. As for the laws, offences like Driving under the Influence (DUI) and Driving While Intoxicated (DWI) are dealt with iron hands. The legal Blood Alcohol Concentration (BAC) in Pennsylvania is 0.08%. Philadelphia, being situated in this state, enforces the DUI and DWI laws of Pennsylvania. There are three phases off DUI offence. They are listed as follows.

•             General Impairment Penalties (0.08%-0.099% BAC) – In this case, charges include ungraded or second degree misdemeanour, a few days to 2 years of prison time, a fine ranging from $300 to $5,000, one year ignition lock, alcohol highway safety school, and if required, treatment. You may face some or all of these penalties. Your prior DUI record is taken into account. Obviously, first time offenders get a lighter sentence.

•             High BAC Penalties (0.10% to 0.159% BAC) –  The punishments in this case includes ungraded to first degree misdemeanour, twelve to eighteen months of license suspension, 48 hours to 5 years in jail, $500 to $10,000 fine, alcohol highway safety school, a year of ignition lock, and treatment upon order. You may face some or all of these penalties depending on your BAC level and previous DUI records.

•             Highest BAC Penalties (BAC of 0.16% and above) or Controlled Substances) – If you are charged with this offence, then you are heavily penalized. The penalties include ungraded to first degree misdemeanour, 72 hours to 5 years in prison, a hefty fine varying from $1,000 to $10,000, 1 year ignition lock, alcohol highway safety school, and treatment if needed. Based on your previous records, you face some or all of these sentences.

You must note that seriously injuring another party automatically worsens your charge. Failure to cooperate with the arresting officer(s), misbehavior and refusal of breath, urine and blood tests to measure your Blood Alcohol Concentration (BAC) will add to your problems. You always have the option of not answering and not taking the Field Sobriety Test before speaking to your attorney but you need to convey that politely. If not, you may end up with a suspended license or even be dragged to jail.

DUI and DWI convictions will definitely affect your driver’s record. As a result, you will have to pay more for your auto insurance in Philadelphia. For offenders, the premium rates can increase to a hefty amount or worse, your Philadelphia auto insurance company may refuse to insure you. The increment in the rates of auto insurance in Philadelphia depends on the degree of your offence and the number of times you have been convicted for the same reason.

Driving while drunk does not go hand in hand. If you have drunk too much, it is better to choose not to drive. Ask someone who is sober to give you a ride instead. Lead your life responsibly and safely.

If you are looking for Philadelphia car insurance policy of your choice, simply enter your zip code vat the top of this webpage. We will provide you with a number of quotes from different companies choose the one you like the best.

How DUI/DWI Charges Affect Your Philadelphia Car Insurance Rate

In terms of traffic laws, the state of Pennsylvania is quite tough and definitely stricter in big urban centers like Pittsburgh, Philadelphia and York. The legal limit of Blood alcohol Concentration in the state of Pennsylvania is 0.08% and exceeding it is illegal for you to take a drive. Even by just sitting behind the wheels of your car with the keys in the ignition, you can be arrested for DUI if your BAC is above the legal limit. First time offenders are dealt with a bit of lenience if they meet the required guidelines. A conditional license is given provided the offender accepts a brief license suspension. However, it only enables you to drive to and from work and to rehabilitation. Driving hours and venues are limited. In some cases, you can only drive during a specific time of the day.

How do such charges affect the rates of your car insurance in Philadelphia? Each driver licensed by the state of Pennsylvania has a ‘motor vehicle record’ updated every three years. Even if your insurance company considers you to be a safe driver, it will tag you as a high-risk driver immediately after your conviction leading to higher premium rate.

Car insurance is profitable as long as you keep paying the premium without making any claims. For high-risk drivers, the probability of a claim being made is definitely high. In Pennsylvania, the insurance company has the option to reject your insurance plea by choice and terminate the agreement if you are charged with DUI.

However, the state has designed a particular number of carriers to provide coverage to drivers who find it tough to obtain Philadelphia car insurance by making a provision of the Assigned Risk Policy. They are not much different in terms of coverage and must surely carry the minimum coverage as per the rules of the state of Pennsylvania. It is made available to all with the driving record not necessary in acquiring such a policy. However, it is very expensive one may have to pay twice the minimum amount.

If you are slapped with the offence of driving under the influence of intoxicating substances like alcohol and drugs, it is best for you to seek professional help regarding your car insurance policy. Most of the big and national level companies discreetly avoid insuring high-risk drivers. However, there are a few smaller city-based and state-based firms that may agree to do so. DUI and DWI charges stay on your record for only a few years. After which you can apply for newer and cheaper auto insurance in Philadelphia.

We all know that prevention is always the best option. The DUI and DWI laws are framed for our own safety and it is our duty to uphold them.

If you are looking for car insurance quotes, simply enter your zip code at the top of this webpage. We will provide you with a number of quotes to choose from.

First Party Policies and Coverage of Car Insurance in Philadelphia

Purchasing an auto insurance policy in Pennsylvania can be quite a gruelling process since the state is quite strict with vehicular laws. On proof of it is the mandatory law for every car owner and driver to have auto insurance. Choosing a car insurance that will meet all your needs is a time consuming process. A flexible auto insurance plan would be a nice option. Unfortunately, only a few insurers provide it.

However if you closely look at the Pennsylvania Motor Vehicle Financial Responsibility Law, the coverage it states are quite flexible in nature. In big cities like Philadelphia where surveillance is strong and car accidents and related crimes are common, such plans act as real boons.

By purchasing the main coverage of Philadelphia auto insurance, you and your family members are covered in case of an accident, irrespective of who is at fault. The state ensures that everyone must have medical coverage of not less than $5,000. Aside from that, you can opt for additional benefits such as medical, funeral, wage loss, and accidental death benefits.

One first party benefits is if you are involved in an accident and you have purchased a curtained coverage, it is up to you to decide whether you want to claim the entire coverage, just a part of it, or a combination of the benefits you have in your plan.

However, combination benefits come with a set of limitations. For instance, the accidental death benefits cannot exceed $25,000 and the maximum funeral benefit one can claim is $2,500. If you have more on medical coverage and almost no claims on any other benefits, then you should put aside this entire unused amount for your medical expenses.

The best thing about combination benefits is that it allows you to choose and use the coverage according to your own needs. You must remember that conventional first party benefits do not have a time bound limitation. However, combination benefits do with three years of validity where claim can only be done within the period. However, the practical advantages these combination benefits offer surpass its limitations. Before purchasing one, make sure you request the agent selling you auto insurance in Philadelphia to give you a demonstration and clearly explain the benefits offered and the plans you can include in the with easy process of claiming. After all, you don’t want to have auto insurance which does not come to play when you need it the most.

Looking for your ideal car insurance in Philadelphia? Just enter your zip code to get the best deals near you!

Responsibilities of a Driver with Auto Insurance in Philadelphia

We always dream of having our own car, our dream car. With the latest technology, it is hard enough to keep up with the auto mobile market lead by the car manufacturing and dealing companies in the country. However, purchasing a car is also associated with responsibilities that must always be carried with care and commitment at all times. Failure to be a responsible driver will result to big problems in the future.

The first step you have to take is getting your car insured. Getting auto insurance in Philadelphia is mandatory since it will be the one to help us be financially covered once we are in crisis. As a driver, we are at risk on being involved in accidents or being caught violating traffic laws. Another responsibility we have to take part is to the most careful driver we can be to achieve a clean driving record.

One example for it is the Philadelphia DMV DUI and DWI strict laws. Once the law enforcers found your driving suspicious, you will be pulled over to undergo some chemical tests. This will determine the level of alcohol or any illegal substance in your body. If guilty you will surely suffer severe penalties and punishments. This depends if the act you did belongs to lower, middle, or higher grade offenses. These are determined through the tests done by police enforcers of knowing the level of alcohol or any substance found in your body.

Depending on the level of offense committed, punishments can range from mandatory emptying your wallet to $10,000. Your driving license can also be suspended or confiscated from 72 hours up to 18 months. You can also be imprisoned for a few days to month and a half. Regardless to this, there are still car drivers who keep on violating the strict laws implemented.

By violating traffic laws, it will be also be a struggle looking for cheap auto insurance in Philadelphia that can also provide you the coverage you needed. But with it, it will save you from any liability due to the accident that might occur because of the violation you carelessly did. It might cover you from the costs of body injuries; car and property damages but your insurance company might actually provide you a higher premium rate, or worst, cancellation of your insurance since you have already tainted your driving record.

For additional aid, get help from the experts. You can check on the online. There are websites now that can provide you auto insurance quotes from various reputed companies. By comparing quotes, you’ll get to select the best policy among several choices. But first, check the coverage and price being offered to you before making any big decision.

You can take driving courses, take safety measures by installing safety features on your vehicle, and maintain a clean driving record to avoid traffic law violations or getting high insurance cost, and pay your insurance bills on time. This will not only save you from suffering penalties and punishments and being involved in accidents, it will also save your cash.

Get in contact with the auto insurance experts by entering your area zip code at the top of this page. You will also get auto insurance quotes from various companies in Philadelphia.

Tips for Starters Searching for Auto Insurance in Philadelphia

In today’s world the best and the most convenient way to travel for all personal and day to day activities is through your personal car. Philadelphia being one of the most populated states is always bustling with activities with people travelling from this part of the state to another. Whether you want to go to work or reach the Fairmount Park for a nice stroll, it is always best to travel in your car. Residing in Philadelphia becomes inconvenient when you do not have a car at your disposal. Getting hold of a car and buying it is not that difficult if you have the money but insuring it the proper way can be tricky. Here are some tips and tricks you can go through when buying auto insurance in Philadelphia.

For starters…

Before you get into the details of a car insurance deal, there are certain necessities that needs to be understood. Being aware of these will help you in choosing the correct car insurance in Philadelphia. Everyone can start with a simple question- Why do we need car insurance in the first place? Well, you can never be sure if you are in the street driving around not knowing when accidents could take place. During these fatal incidents, not only does the driver get hurt but the car can also be damaged to a big extent.

Now, what will you do? Paying for your hospital bills as well as for the repairs of your car can create a huge hole in your pocket. To make sure that you do not have to face monetary pressures, get auto insurance in Philadelphia. Insurance guarantees your monetary safety during dire crisis. A little bit of future planning is all you need to save yourself from losing a huge amount of your savings.

The tricks for the best

We know how important it is for you to get hold of the right car insurance in your state. Hence, we provide you with a major pointer to keep in mind. Before choosing your car insurance, make sure that you do some market research. You can do it online and visit websites expert in providing auto insurances. These websites could present you their best and budget-friendly car insurances. The provided options can be filtered again for you to make the selection easier. Through this, you will get results close enough to your requirements. The next step is to read the terms and conditions and analyse it very carefully.

Make an evaluation of the pros and cons of every deal. With careful observation you might realize that this particular Philadelphia cheap car insurance will not come handy. Keep it as a backup option and start looking for others. Do not take your pick hastily since getting car insurance is also a big investment. Compare various insurance deals before you finally narrow down upon a few. Always make a well informed and guided decision to avoid regrets in the future.

Go for a cheap car insurance that will help you maintain your car in the coming years. Always think two steps ahead. If you have a trusted agent or a well informed friend who is knowledgeable enough of all the pros and cons about auto insurance in Philadelphia do take their opinion as well.

From our side…

Through the auto insurance experts, you will surely get your ideal car insurance that will help you save a lot of cash. With quotes coming from different insurance companies that are the most reputable in the state, you will surely get the best deal and coverage with no worries.

Make a start now by entering your area’s ZIP code at the top of this webpage. Get in touch with us today and obtain free car insurance quotes from Philadelphia DMV approved insurance providers.

Experts to Help You Get Your Ideal Auto Insurance in Philadelphia

Cars are something that has attracted us for a long time. Sleek design, tires, and paints are something that attracts all the car lovers especially teenagers. Since it has been a fashion statement to own a car, we tend to forget that it also needs care.

To protect cars, go for having auto insurance in Philadelphia. Car needs the same amount of care and attention you can give to yourself. It is always advised that you insure your car as early as possible to save lots of money and harassment in the future.

As far as insurance is concerned, we are auto insurance experts in Philadelphia. We understand the needs of our customers properly with a fair buying you need to evaluate all the options available in the market for drivers at any age.

The insurance covering a teenager’s car is likely to cost more than of a senior driver. This is a very serious issue in households because it is not always possible to afford high insurances so cheaper alternatives would be of lot of help. These are very sensitive information which we need to keep in mind during the evaluation of the insurance prospect.

Philadelphia cheap car insurances are something that all of you should try to avail. You have the option to evaluate all the prices quoted by various companies at the same time. This has some distinct advantages. First, it allows you to glance at the whole market scenario at one go. Second, it enables you to evaluate which is the best and most efficient insurance that will protect your car. The accurate details regarding auto insurance quotes in Philadelphia will be very useful to you. We welcome any kind of queries from your side to provide you satisfying solutions.

If you want to buy a car for yourself, your kids, or grandkids you can do that without worrying much about getting auto insurance in Philadelphia. Leave that to us and we will take care of everything you need with information provided best to our knowledge. For your auto insurance requirements, just enter your ZIP code at the top space of this website.

Top Tips for Car Insurance in Philadelphia Suitable for All Ages

Most of us dream owning a car one day and race the streets in lightning speed. But buying a car is not the end of it. Just like human beings cars also need protection. They need to be insured against any kind of unforeseen damage. It is very important in helping you save money and harassment in the future in case of road disasters. Just like buying a car you have to give a deep thought on what type and the cost and coverage of car insurances in Philadelphia that you may need.

One has to be very careful in choosing where to get their ideal car insurance. But there is no need for you to worry since there are many companies available to provide you what you just need. With us, we can provide you efficient solutions as we have a wide database of information that caters all the residents’ car insurances in Philadelphia. We are just experts the experts you’ve been looking for.

To choose the right insurance, there are steps that you may consider following. This will enable you to avail cheap auto insurances. You can start it by completing driving courses and buy a car model that matches your income and budget. This will entitle you to special discounts offered by various companies. Get quotes and make comparisons on which one will surely fulfil all your required coverage at a price you are comfortable with.

It is understandable that as your age grows and changes occur, you insurance needs do too. The needs of young drivers are completely different from middle aged and senior drivers. This also affects the kind of coverage needed and the rates implied with it since every age has different levels of risk being involved in road incidents. This is also usually the basis for insurance companies to assess the driver’s capability of carrying a car responsibly.

No matter what age you are in, what matters most is to keep a good driving record. To encounter traffic violations, intentionally or not, will surely result to the increase of your car insurance premium. Be sure to be aware of safety measures. By install safety features in your vehicle will not only get you protected but it will also let insurance companies see you as a responsible and careful driver, thus resulting with you obtaining lower car insurance costs.

For more information or to get free quotes from various trustworthy companies just type in your ZIP code in the above area of this website.