When you know you need car insurance but you don’t have a large budget for it, finding low-cost coverage is a priority. Fortunately, there are some things you can do to ensure that the rates you are quoted to insure your vehicle are as low as possible.
* One of the questions your agent will ask when you call for a quote is how many miles you drive your car in a year. The more time you spend on the road, the higher your
Car Insurance Rates in Philly
* will be. The most effective solution to this problem is to carpool or ride the bus to work to limit the number of miles you drive every day. The less you drive, the less of a risk you are to the insurance company and lower-risk drivers get the best rates.
* Combine your policies. Car insurance isn’t the only insurance product that is important for everyone in Philly to have. You also need homeowner’s or renter’s insurance. By purchasing both of those policies from the same company, you are likely to get a significantly lower rate. Insurance companies want all of your business and will reward you with discounts.
* If you have to pay more than you’d hoped to meet the state minimum coverage requirements, get a policy with a six-month term and reevaluate your coverage at the end of the period. The circumstances that led to your higher rates may change and you may qualify for discounts. Be sure that you are not paying for more insurance than you actually need. You can save a lot of money by switching to a liability policy after your car is paid off. Take advantage of free quotes offered by most insurance companies before your new term begins.
The best car insurance in Philly are offered to people with good driving records, who drive less than 7,500 miles per year and who use the same company for all their insurance needs. It won’t cost you anything to get quotes but be sure to compare policies with the same coverage levels to get the best deal.
