Best Car Insurance in Philadelphia

Have you had enough of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other Pennsylvania consumers.

Sad but true, most car insurance buyers have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never shopped around. The average driver in Philadelphia can cut their rates by about 55% a year just by shopping around, but they don’t understand how simple it is to compare rate quotes online. Big companies like State Farm, GEICO and Farmers Insurance persitently shower you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you have a policy now or just want a better rate, you will benefit by learning to cut your premiums and still get good coverage. Buying the cheapest car insurance in Philadelphia is not that difficult as long as you know where to start. Smart shoppers just have to learn the least time-consuming way to compare company rates online.

Insurance discounts help lower rates

Buying insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few need to be inquired about before you get the savings.Save money with discounts

It’s important to note that most of the big mark downs will not be given to the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

A list of insurance companies and some of the premium reductions they offer are shown below.

Double check with each insurance company to apply every possible discount. Some of the discounts discussed earlier may not be available in every state.

Insurance Rates for Popular Vehicles in Philadelphia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $780 $390 $65
Chevrolet Silverado LT Extended Cab 4WD $766 $383 $64
Dodge Ram Crew Cab SLT 2WD $834 $417 $70
Ford Escape Limited 4WD $704 $352 $59
Ford Explorer XLT 4WD $726 $363 $61
Ford F-150 XL Crew Cab 4WD $740 $370 $62
Ford Focus S 4-Dr Sedan $750 $375 $63
Honda Accord LX 4-Dr Sedan $648 $324 $54
Honda CR-V EX-L 2WD $664 $332 $55
Honda Civic SI 4-Dr Sedan $846 $423 $71
Honda Odyssey EX-L W/Navigation $806 $403 $67
Kia Optima LX $820 $410 $68
Mazda 3 I Sport 4-Dr Sedan $766 $383 $64
Nissan Altima 2.5 S 2-Dr Coupe $874 $437 $73
Nissan Rogue S AWD $820 $410 $68
Toyota Camry Hybrid $874 $437 $73
Toyota Corolla XRS $820 $410 $68
Toyota Prius $718 $359 $60
Get Rate Quotes for Your Vehicle Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific garaging location which can modify coverage prices significantly.

Lowering your insurance rates is actually quite simple. Consumers just need to take the time comparing rate quotes online with multiple companies.

It’s so fast and easy to compare price quotes online that it makes it obsolete to physically go to insurance agents’ offices. The ability to quote insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the trained advice of a licensed agent. You can, however, compare the best prices online but buy from a local Philadelphia insurance agent.

The auto insurance companies shown below are ready to provide price comparisons in Philadelphia, PA. If more than one company is shown, we suggest you visit several of them to get the best price comparison.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.Safe vehicles cost less to insure

For instance, these questions may help you determine whether or not you would benefit from professional advice.

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Insurance agents can help

Many people just prefer to buy from a local agent and doing so can bring peace of mind Good agents can make sure you are properly covered and help you file claims. A nice benefit of comparing rate quotes online is you may find the best rates and also buy local. And supporting neighborhood insurance agencies is still important in Philadelphia.

Find insurance agent in PhiladelphiaAfter completing this short form, the coverage information is sent to local insurance agents that can provide free Philadelphia car insurance quotes for your insurance coverage. You never need to contact any agents due to the fact that quote results will go directly to your email. If you want to quote rates from a particular provider, you can always search and find their rate quote page and fill out their quote form.

If you need to find an insurance agent, it’s important to understand the types of agencies and how they work. Insurance agents in Philadelphia are categorized either exclusive agents or independent agents. Both can write insurance policies, but it’s important to know the subtle differences since it may influence your agent selection.

Independent Agents (or Brokers)

These type of agents are not employed by one company so they can insure your vehicles through many different insurance companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to find a new agent. If you are comparing rate quotes, you should always get several quotes from at least one independent agent for the best price selection.

Listed below are Philadelphia independent agents that may be able to provide free price quotes.

214 Fairmount AvePhiladelphia, PA 19123(800) 701-5909View Map

2414 Rhawn StPhiladelphia, PA 19152(215) 332-1100View Map

7790 Rockwell Ave Suite 1Philadelphia, PA 19111(215) 725-6700View Map

More Philadelphia agents

Exclusive Insurance Agents

Agents that elect to be exclusive work for only one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to compare other company’s rates so they really need to provide good service. These agents are trained well on sales techniques which helps them compete with independent agents.

Shown below is a list of exclusive agents in Philadelphia that can give you rate quotes.

1436 Fairmount AvePhiladelphia, PA 19130(215) 765-2686View Map

8912 Frankford AvePhiladelphia, PA 19136(215) 331-4500View Map

6200 Frankford AvePhiladelphia, PA 19135(215) 289-5179View Map

More Philadelphia agents

Selecting an car insurance agent needs to be determined by more than just the quoted price. You should also get answers to these questions.

Cheap insurance is out there

When searching for low cost Philadelphia car insurance quotes, make sure you don’t buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

We just covered many ways to compare insurance prices in Philadelphia. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper Philadelphia car insurance quotes. You may even be surprised to find that the lowest prices come from some of the lesser-known companies.

Drivers change insurance companies for any number of reasons including delays in paying claims, high rates after DUI convictions, high prices or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

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