Would you like to buy more competitive Chevy SS insurance in Philadelphia? No one in their right mind looks forward to paying for car insurance, especially when they are aware that the price is too high.
Smart shoppers know that car insurance companies don't want you to look for a cheaper policy. Insureds who compare rates once a year will most likely move their business because there are good odds of finding a lower-priced policy. Remarkably, a study showed that people who regularly shopped around saved on average $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding discount rates on Chevy SS insurance in Philadelphia is why you're here, then having an understanding of how to get rate quotes and compare insurance can make it easier to find better rates.
Since consumers have many options for buying affordable insurance for a Chevy SS in Philadelphia, it can be hard to find the best car insurance company.
When comparison shopping, comparing a large number of companies increases the chance that you will find a better price. Not every company provides online rate quotes, so it's necessary to compare quotes from them, too.
The car insurance companies shown below have been selected to offer free quotes in Pennsylvania. If multiple companies are listed, it's a good idea that you get prices from several of them to get a more complete price comparison.
Insuring your vehicle just makes sense
Despite the potentially high cost of Chevy SS insurance, paying for car insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your SS with a loan, most banks will have a requirement that you have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your Chevy at a much higher premium rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance protects both your assets and your Chevy SS. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance greatly outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $810 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
Philadelphia insurance discounts for a Chevy SS
Companies that sell car insurance don't list the complete list of policy discounts very clearly, so the following list contains a few of the more common as well as the least known savings tricks you should be using when you buy Philadelphia car insurance online.
- Pay Now and Pay Less - By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
- Air Bag Discount - Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
- Multi-line Discount - Select insurance companies reward you with lower premium rates if you buy auto and life insurance together.
- Seat Belt Discounts - Drivers who require all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
- Discounts for Government Workers - Having worked for a branch of the government may reduce rates when you quote Philadelphia car insurance with select insurance companies.
- Military Deployment Discount - Being deployed in the military can result in better premium rates.
- Philadelphia Homeowners Discount - Owning your own home or condo can save a few bucks since home ownership requires personal responsibility.
Discounts save money, but please remember that most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, it's just not the way it works.
A few of the larger companies and their possible discounts are shown below.
- GEICO offers premium reductions for driver training, multi-policy, federal employee, military active duty, anti-lock brakes, defensive driver, and air bags.
- USAA has discounts for annual mileage, military installation, multi-policy, loyalty savings, driver training, and family discount.
- Progressive includes discounts for continuous coverage, online quote discount, multi-policy, homeowner, good student, online signing, and multi-vehicle.
- American Family may include discounts for early bird, TimeAway discount, good student, good driver, multi-vehicle, accident-free, and bundled insurance.
- Esurance policyholders can earn discounts including homeowner, emergency road assistance, anti-lock brakes, DriveSense, online shopper, Pac-12 alumni, and anti-theft.
- Farmers Insurance discounts include switch companies, teen driver, youthful driver, early shopping, and electronic funds transfer.
- State Farm offers discounts for Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, defensive driving training, driver's education, and good driver.
Before you buy a policy, ask every company the best way to save money. Some discounts listed above might not be offered in Philadelphia. If you would like to view insurers with discount rates in Philadelphia, follow this link.
Which is the best car insurance?
When it comes to the best car insurance coverage, there isn't really a perfect coverage plan. Each situation is unique.
These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.
- When should my teen driver be added to my policy?
- What is the ISO rating for a Chevy SS?
- How much liability insurance is required?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Should I waive the damage coverage when renting a car?
- What is PIP insurance?
- I have health insurance so do I need medical payments coverage?
If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, complete this form.
Insurance agents can find coverage gaps
A lot of people just prefer to visit with an insurance agent and that can be a smart move The biggest benefit of getting online price quotes is that you can obtain cheap insurance rates and still choose a local agent. Buying from and supporting local insurance agencies is important particularly in Philadelphia.
Once you complete this simple form, your insurance coverage information is sent to local insurance agents who will give you bids to get your business. You won't need to leave your house as quotes are delivered immediately to your email address. You can find lower rates and work with a local agent. If you have a need to get a price quote from one company in particular, you would need to visit that company's website and fill out their quote form.
Types of auto insurance agents in Philadelphia
If you are searching for local Philadelphia agents, it helps to know the two types of insurance agents and how they operate. Insurance agents may be either exclusive or independent.
Independent Insurance Agents (or Brokers)
Independent agents often have many company appointments and that is an advantage because they can write policies amongst many companies and find the cheapest insurance rates. To move your coverage to a new company, your agent can just switch to a different company and the insured can keep the same agent. If you are trying to find cheaper rates, you absolutely need to get rate quotes from multiple independent agents to get the most accurate price comparison.
Below are independent agencies in Philadelphia that can give you free insurance quotes.
Exclusive Insurance Agents
Agents that choose to be exclusive generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are well schooled on their company's products which helps offset the inability to provide other markets.
The following is a list of exclusive insurance agencies in Philadelphia willing to provide price quote information.
Selecting an auto insurance agent should depend on more than just a low price. Some important questions to ask are:
- Does the agency support the community they serve?
- Is the agent CPCU or CIC certified?
- Are they full-time agents?
- Is assistance available after office hours?
- How much experience to they have in personal lines coverages?
- Which company do they place the most coverage with?
- How often do they review policy coverages?
- What companies can they write with?
After receiving positive responses and a low price estimate, it's a good possibility that you have found an insurance agency that can service your policy.
Insurance policy specifics
Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, X-ray expenses, ambulance fees, nursing services and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, hail damage and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Auto collision coverage
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as colliding with a tree, rolling your car, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your SS to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle's damage.
Because many people carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.
This provides protection from damage that occurs to people or other property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like emergency aid, funeral expenses, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.
The next chart shows why buying the state minimum limits may not be high enough to cover claims.
Cheap coverage is out there
When shopping online for insurance, it's very important that you do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
We've covered quite a bit of information on how to get a better price on Chevy SS insurance in Philadelphia. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Philadelphia car insurance quotes. You may even discover the most savings is with a small local company.
Insureds change insurance companies for any number of reasons including lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer and poor customer service. Regardless of your reason, choosing a new company is actually quite simple.
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much are Philadelphia Auto Insurance Rates for a Nissan Altima? (FAQ)
- Who Has Cheap Car Insurance Quotes for Veterans in Philadelphia? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Understanding Rental Car Insurance (Insurance Information Institute)