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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.

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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.

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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.

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.