This page is primarily about Philadelphia Car Insurance.
Visit the link shown below for a reader-friendly, state-by-state comparison on car insurance.
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This page features facts, figures, average rates, and tips on how to score the best possible deal on car insurance in Philly, or anywhere in the state of Pennsylvania.
According to insure.com, the average annual car insurance premium in the state of Pennsylvania was $1,130 this year, while the overall national average for the same time period was around $1,365.
Although the average annual auto insurance premium in the state of Pennsylvania is quite a bit lower than the overall national average, it is probably a safe guess that car insurance premiums are higher in Philadelphia than they are in other parts of the state.
Pennsylvania motorists caught driving without car insurance face a
$300 fine and a 90-day suspended license.
Other headaches associated with a lack of car insurance include costly reinstatement fees and raised annual premiums.
Compared with other U.S. states, Pennsylvania has a
relatively low percentage of uninsured vehicles. Only about 1 out
of 14 operational vehicles in Pennsylvania is uninsured.
The minimum required amount of coverage required for each auto owned in Pennsylvania is $15,000 in Personal Injury Protection (PIP) to cover the costs of injuries to the driver; $30,000 against injuries to others; and $5,000 to guard against property damage.
Insurance carriers refer to Pennsylvania's minimum requirement as 15/30/5.
The minimum required auto insurance coverage in Pennsylvania is lower than it is for most other U.S. states, and is unlikely to be enough to cover the cost of an actual auto accident.
Most insurance carriers
offer discount deals to encourage responsible on-road behavior. Available discounts in the state of Pennsylvania include
...and whatever other discounts the agent can dream up to get you to sign on.
The best way to slash the price of annual premiums on car insurance is to get as many discounts as you qualify for. ALWAYS ask about available discounts.
According to a study of recent online customer reviews, the most popular auto insurance providers in the state of Pennsylvania are
Other statewide options include local carriers such as Franklin, Mercer, and AIS.
Buyers of Philadelphia car insurance policies like the same carriers (overall) as their in-state neighbors do.
Pennsylvania is home to many auto insurance providers, all of them offering competitive rates. Even companies that sell Philadelphia car insurance policies are competitive with each other.
Call several agents near you to collect a few free quotes. Ask about DISCOUNTS! Then obtain more free quotes online.
Finally, factor in the discounts and compare the quotes to select the least expensive premium package that fits your driving needs.
Above all, remember that the best way to save money as a driver is to avoid accidents entirely. Drive smart.
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