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

Top Things to Do When Buying Car Insurance in Philadelphia

Auto insurance companies are bound by a number of rules and regulations when it comes to providing car insurance in Philadelphia and other parts of Pennsylvania. However, the companies do have the right to ask for more premiums from the drivers on the grounds of age, gender and marital status. Since you cannot change these facts, you can try and look for various discounts to get more coverage at lower rates.

While looking for car insurance, thoroughly research before arriving for any conclusion. Poor credit, DUI and DWI charges, speeding tickets and more may end you up paying thousands of dollars on your car insurance policy. If they are unwilling to reduce your premium rates, there’s nothing wrong with transferring to another company. By comparing the rates of various companies, you can save quite a substantial amount on your auto insurance premium.

When you are thinking of buying Philadelphia car insurance take into account the amount you pay on a monthly or on a yearly basis first. Use that as a benchmark to compare the quotes of the other companies. When making calls and enquiring online, you are given quotes that serve both ways. With the right figures, it will be much easier for you to negotiate on the prices.

Once the company of your choice is willing to work on the prices you agreed with, spare enough time on doing the process with your insurance representative. It is always a wise choice to keep the necessary documents like the VIN number, registration proof, car insurance documents, and driver license at hand. Before purchasing a policy from any company, it is of utmost importance that you check whether it is registered or not. Registered firms are more reliable since they get state funding when the condition of the market is bad.

Auto insurance Philadelphia cost more for high-risk drivers. Drivers under the age of twenty-five, especially teenagers with less than three years worth of driving experience, are required to pay quite a lump sum as surcharge along with their auto insurance premium regardless of your driving record. Surcharges are based on age and company. Not all companies demand a high surcharge from young drivers. Some even provide some discounts on the grounds of academic records and GPA, driving records, and mileage.

Gender is another factor that greatly affects auto insurance rates. Going by the statistical reports, men tend to drive more rashly and are involved in more accidents than women. As a result, they pay higher premium. For young drivers, gender makes a significant difference in the auto insurance rates as well.

Married drivers are shown to be safer and more cautious than the unmarried ones. Over the years, accident reports and psychological studies have proven this. Once married, you are vested with a lot of responsibilities. Having a family is what matters. Thus, they are considered to be ‘low-risk’ drivers and need to pay less. For married men below the age of twenty-five, this factor can be a real boon.

Enter your zip code to access the best auto insurance quotes near you.

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!

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.

Save Your Car Insurance in Philadelphia fro DUI/DWI Cases with Legal Help

Driving Under the Influence or DUI and Driving While Intoxicated or DWI are considered to be heinous violation of traffic rules. In the entire state of Pennsylvania, DUI and DWI mean the same but the official term used while dealing with such cases is DUI.

In Philadelphia, you can be charged with DUI on two grounds. If your Blood Alcohol Concentration is higher than the state’s legal limit of 0.08, you will be charged of DUI. After being pulled over, you will be taken to the police station to be tested. The test can be done my analyzing your breath or testing your blood or urine. According to the Pennsylvanian law, it should be done within two hours of arrest. Refusal and non-cooperation will only get you into more trouble and may end you up getting your license suspended immediately. You can be also charged with DUI if you are under the effect of drugs or similar illegal substances or a combination of intoxicating substances and alcohol even if your DUI is below the legal limit.

philadelphiacheapcarinsuranceFirst time offenders get lighter sentences but the consequences of the arrest can be quite serious. You have to end up paying a hefty fine ranging from $300 to $5,000, compulsory rehab, license suspension, vehicle registration suspension, ignition lock, DUI courses, and in some cases, imprisonment. To top it all, the company providing you car insurance in Philadelphia might inflate your premium rates by a large percentage.

The first thing you must do is to get yourself out of this difficult legal situation. Seeking professional and legal help is a must. You can consult some of your acquaintances or search online for a reliable lawyer to fight your case. The next step is to set up appointments with a few of these lawyers with initial consultation. Here, you can ask each other questions and discuss the means to deal with the case and each other’s conditions and requirements. Inquire about the following:

•             Experience with DUI cases in Philadelphia.

•             Thoughts on your case.

•             Contact details

•             The kind of arrangement he makes and uses.

•             Experience in dealing with case similar to yours

Select the one whose strategy you have liked the best and have found the most reliable. Don’t to choose the one with a fee you are comfortable paying with.

If you are unable to afford an attorney, you can settle for a Pennsylvanian public defender. In case of imprisonment, you can get a paralegal from the office of the local defender to know whether you are eligible for free legal representation or not. If you are not imprisoned yet, personally pay a visit to the public defender’s office along with your income proof and documents of summons. You need to have four or more consecutive pay check stubs or enough proof that you are on dole.

If you are cleared of the charges or they are significantly reduced, the rates of your car insurance Philadelphia will automatically decrease a swell. However, it is always the best option to avoid violating the laws not just to keep your Philadelphia auto insurance rates down but to lead a healthy, happy, and legally sound life as well.

Compare and choose. Enter your zip code to get Philadelphia car insurance quotes that suit your needs.


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!

Frequently Asked Questions To Hiring An Agent for Car Insurance in Philadelphia

The beauty of life is that we learn something new each day and grow with every piece of information we gain. For our everyday sustenance and proper lawful living we need to know a few pointers if you reside in a state like Philadelphia since its law and order are abided by everyone. One of the few strict laws that the Philadelphia DMV has is about car insurances. Every resident of Philadelphia must have their car insured for various reasons. It is not a very difficult process to get your car covered but there are few steps which one has to follow. In order to get car insurance in Philadelphia, it is always beneficial to take assistance from an agent. However, there is one particular question involving these agents when it comes to the insurance quotes.

Q. “My agent had quoted a particular amount, but now I am paying much more than the quoted value. Why is that so?”

It is very easy to blame your agent for a situation like this, however, it would wiser to unearth the reasons behind this confusion and sort out the problem rather than going to into blame game. Before going for a coverage plan, we are given a set of auto insurance quotes in Philadelphia which are applicable to attain based on certain official details which are -the distance you drive daily, location of your residence, driving record, age, and the coverage you need. When these details get misquoted by the agent, you end up paying a premium higher than the one quoted to you earlier. Suppose your application for car insurance in Philadelphia you have submitted was at the period you still have a clean driving record but upon inspection before accepting your quote, the insurance company might find that there is some discrepancy in the data. Since you have misquoted in your application, your premium charges will increase automatically.

Sometimes misquotes happen by mistake and can be really costly. False information is provided knowingly to show a clean record but that just might add more dirt to it. Thus it is always best to provide your insurance agent with the correct information. If you think this is applicable, you might just end up paying more than suggested by the auto insurance quotes in Philadelphia. Tell the correct residential address from where your car commutes everyday and the distance it travels on a per day basis. These pieces of information are the deciding factors when it comes to the premium amount.

Pay the right premium and provide the right information to get maximum coverage for your car! For more information and free auto insurance quotes, enter your Zip code at the top of this page.

Penalties For DUI/DWI Violations According to Car Insurance Laws in Philadelphia

Cars are something that we all fascinate to have for ourselves. Buying a new car is a big that’s why once you get to own one, it must be given the appropriate attention it needs. One of the essential requirements when having a car is getting it insured since driving is something everyone enjoys and problems might arise in case of road mishaps. Get car insurance in Philadelphia from a company approved by the DMV of the state.

Driving while drunk or intoxicated is something that is strictly prohibited in all parts of the world. Philadelphia DMV has very strict process to enforce these laws as necessary since violations can vastly ruin your record and can satin your reputation as a credible driver. Auto insurances in Philadelphia may save you by providing you the coverage amount needed to treat yourself or your damaged car. However, penalties for law violations are serious enough. Here are some of them.

•             You can be imprisoned for two days and can accumulate to a few months depending on the degree of the offense done.

•             The penalty can be in terms of money that can empty your wallet more than you can imagine. It can be from $300 to $10,000 depending upon the severity of the damages.

•             Your license may get suspended for a maximum period of one and a half year.

•             Mandatory ignition interlock is also possible.

The best way to avoid suffering these consequences is to always drive extra careful. Remember that violation of traffic laws especially driving while intoxicated is a serious matter with your car insurance in Philadelphia has the risk of being cancelled and heavy premium for your insurance can also be enforced.

For more information, feel free to contact us through entering you ZIP code at the top of this webpage. You can also get free auto insurance quotes in Philadelphia and decide which policy will surely meet your requirements and budget.

Tips on Obtaining Affordable Car Insurance in Philadelphia

One of the most important things when maintaining a proper lifestyle in Philadelphia or any other part of the world is proper management of your finances. One should always make careful decisions in their life fit concerns big amount of money. This is why if you live in Philadelphia, it is essential to get every car you own insured. Owning auto insurance is undeniably helpful in providing security in case of road misfortunes. Choose the right car insurance that will not only let you spend less but will also give you benefits worth more than what you pay for.

Maintaining it the effective way

There are many ways to keep the cost of your car insurance to the minimum. Here are important tips to ensure that you get Philadelphia cheap car insurance lined up for you through auto insurance quotes in Philadelphia.

•             Before approaching for car insurance in Philadelphia, you might as well shell out a few bucks and install a few necessities in your car. Get safety features and anti-theft alarm device before you go to an insurance provider.

Once you approach an insurance company’s agent, the cost you will be charged off for your car insurance depends on the coverage given to protect you and your vehicle from various unprecedented events. Due to the safety measures you took, insurance providers will see you as a responsible car operator and owner thus letting you take the benefit of lower insurance rates, premium, and special discounts.

The next best thing that must be done

•             Visit websites where you can get cheap auto insurance quotes. By contacting experts, they can provide you a number of registered insurers that can provide you car insurance in Philadelphia. Through this you can make an evaluation on which insurance company could provide you the policy the meets your coverage requirements and allotted budget. Collect all the information you can get since all it will always take is proper research. You can ask relatives or friends for any recommendation.

To get a start with getting car insurance quotes, enter your ZIP code and see for yourself the best deals you can have from reliable companies in Philadelphia.