Auto Insurance Philadelphia Insurance Pennsylvania
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Auto Insurance Philadelphia
It is important to be a smart consumer when you are looking to buy auto insurance; in fact, the concept of cheap car insurance is different than car insurance. If you want to improve your auto insurance rates, you'll have to look at several factors that give you the auto insurance coverage you need for cheap.
Although purchasing an auto insurance policy simply because it is cheap insurance may save you money on your monthly premium; it may end up costing you a lot more if it does not provide adequate coverage in the case of an accident or theft of your vehicle.
More and more insurance carriers in Philadelphia are allowing you to shop and compare car insurance policies online. All you need to provide is some basic personal data about the drivers you want to insure, the make and model of your car and your zip code. Some of these online car insurance sites will also give tips and suggestions for finding cheap car insurance.
Here are some additional suggestions before you make you auto insurance purchase:
Understand what is covered
The idea behind car insurance is to protect you and your vehicle in case of an accident or theft, but what happens if someone else causes the accident? What happens if a non-family member is in your car and gets hurt? What happens if a tree limb falls on your car during a storm? Make sure you understand exactly what you are getting.
Ask about available discounts in Philadelphia
Discounts can vary widely by insurer and by state. Here are a few common discounts offered:
1.) Combination of discounts – when you have more than one policy with a carrier
2.) Defensive driving – if you have taken any safe driving classes in Philadelphia
3.) Good Student Discounts – if you make good grades and are enrolled in high school or college
4.) Retirement Discounts – if you are over 55 or 65
5.) Associations and group discounts – some insurance carriers have made special concessions for members of certain automotive clubs or businesses
6.) Good driving Discounts – if you have not had an accident or traffic violation in the last 5 years
7.) Loyalty discounts – if you have had your insurance with the same carrier for a number of years
8.) Low mileage discounts – if you use your car infrequently, you may qualify
9.) Safety features – many insurance providers give extra discounts for car with air bags, anti-lock brakes, anti-theft devices, automatic seatbelts
Car insurance rates tend to be lower in rural communities and highest in cities where there are more car accidents and the increased likelihood of theft or vandalism.
Remember less is not always more when dealing with car insurance. A quality auto insurance policy may cost a few dollars more per month, but will save you thousands of dollars when you need it the most.
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