Philadelphia residents who are looking for affordable auto insurance have plenty of options to choose from. A survey of the local insurance providers will yield several promising deals — the problem is that gathering quotes from each of them manually takes a lot of time and effort. Carinsuranceinpennsylvania.org was created precisely to offer a modern solution for these issues. Our search tool can scour the market for the most relevant choices to enable quick comparisons. Find cheap car insurance in Philadelphia, PA.
Average Car Insurance Philadelphia Quotes — Save Up to $375 Annually!
The premier city of Pennsylvania is home to numerous historic sites from the colonial period as well as top companies from every industry. These things have helped it maintain a stable population throughout the years. Locals typically set aside $2,243 for their automobile insurance on a yearly basis – an amount that dwarfs the cost for all other cities in the state. Going below this average is achievable through understanding the mechanics of risk assessment.
Car Insurance Philadelphia — Factors that Can Mitigate Costs
Drivers need not pay so much money for auto insurance. If they know the contributing factors to the high cost, then they can work towards reversing the trend. There are limits to what can be done to lower premiums but several ways exist as shown below:
- Location — Choose your location well. Even within a city, there can be vast differences between neighborhoods. Insurance companies dislike congested places which is why rates in large cities are higher than elsewhere. Philadelphia has a sizeable population of 1,528,074 spread over 135 square miles. That’s 11,312 persons crammed into each square mile of land, many of whom have cars that also clog the streets.
- Driving to Work — If at all possible, choose a work schedule that allows you to avoid the morning and afternoon rush hours. Driving at these times is not only stressful but also dangerous. A large portion of fatal accidents occur while people are rushing to their destinations all at the same time. This, of course, causes headaches for insurance companies as well because they will have to provide for the claimants. People who have more flexible schedules are often given discounts due to their decreased exposure to risk. Philadelphia commuters are usually on the road for an average of 32 minutes. The good news is that road accidents in the city are much lower than that of the state with 5.4 compared to 7.6 for every 100,000.
- Auto Thefts — Everyone should take secure very seriously. Insurance providers certainly do, enough to elevate the premiums for those who drive oft-stolen cars. Owners can cancel this out by installing anti-theft devices which would entitle them to discounts. There were 7,447 auto theft cases in the city in 2011.
- Education — An estimated 10.3% of the people in Philadelphia have earned a bachelor’s degree. They may be able to get discounts from insurance providers simply for this personal feat. The figure is a little under the state estimate of 14%.
Affordable Pennsylvania car insurance is within everyone’s grasp thanks to our terrific search tool. Feed it with your zip code and other details then watch as it churns out quote after quote of the best providers in town.Pennsylvania Wikipedia
Pennsylvania Motor Vehicle Division
Pennsylvania Insurance Department