CHEAP AUTO INSURANCE PHILADELPHIA PA

Cheap Philly Auto Insurance

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Odds are you're visiting our site because you are looking for the cheapest auto insurance you can get in Philadelphia. Well, you've come to the right place!

Don't waste money by paying high insurance premiums! We can help you find the best auto insurance pricing!

Enter your zip code in the box above, and we'll give you quotes from multiple carriers who offer cheap auto insurance in Philadelphia. Don't spend time on the phone with various agents. Sit back and relax. We'll get the quotes for you!




In Philadelphia, drivers must purchase and maintain car insurance in order to legally drive. Under Pennsylvania law this is referred to as maintaining “financial responsibility” on your vehicles.

If you are stopped for a violation and it is determined that you are operating your vehicle without insurance, the following penalties and expenses could be levied against you:

- A minimum of $300 fine for driving uninsured
- A 3-month suspension of your vehicle registration
- A 3-month suspension of your driver's license
- Fees to restore your vehicle registration
- Fees to restore your driver's license
- Vehicle impoundment

If your vehicle registration is suspended, NO ONE may operate the vehicle!




PA Required Coverage


(1) Medical Benefits — This coverage will pay medical bills for you and others covered by your policy, no matter whose fault an accident is. The minimum allowed by law is $5,000 of coverage. Higher limits are available, however.

(2) Bodily Injury Liability — If you injure someone in an auto accident, this coverage will pay their medical and rehab expenses and any damages for which you are liable. The minimum amount is $15,000 for injuries to one person, and $30,000 as the total for one accident.

(3) Property Damage Liability — If you damage another person's property in an accident and you are at fault, this coverage will pay for it. The minimum amount of coverage required by law is $5,000. (Some companies offer a single amount of $35,000 which meets the bodily injury and the property damage liability minimum requirements.)

(4) Limited or Full Tort — You can decide whether to have full or limited tort coverage. Limited tort coverage gives you a savings on your premiums. You are allowed to recover all out-of-pocket medical and other expenses; but you are not able to recover certain kinds of damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort, outlined by law. If you select full tort coverage, you retain unrestricted rights to file suit against the negligent party.




Optional Available Coverage


(a) Funeral Benefit — This coverage will pay money for funeral expenses, up to a certain amount, if you or a family member dies as the result of an auto accident.

(b) Income Loss — This coverage will pay a portion of your lost wages if injuries sustained in a car accident keep you from working.

(c) Extraordinary Medical Benefits — This coverage will pay for medical and rehab expenses that exceed $100,000. It provides for a maximum of $1 million coverage.

(d) Collision — This benefit will pay to repair damage to your vehicle as the result of an accident. Most lenders require you to buy this type of coverage to receive an auto loan. Under Pennsylvania law, the insurance company automatically applies a $500 deductible unless you request a lower amount. The higher your deductible, the lower your premium will be.

(e) Comprehensive — This coverage will pay for theft or damage to your auto from hazards including fire, flood, vandalism or hitting an animal. Most lenders require you to buy this coverage to get an auto loan. You can choose from various amounts for your deductible.




Determining Rates


(a) Where you live -
The road conditions in your area, as well as vehicle density, population, amount of accidents and claims, and repair rates all "figure-in" to your total premium rate.

(b) Your driving record -
By far, this affects your premium rates the most. At-fault accidents and convictions for moving violations within the 3-year period leading up to your application or renewal greatly affect your cost.

(c) Vehicle use -
The more you use your vehicle, the higher your premium will be. If you only use your vehicle rarely, you will pay less than if you drive to work 20 miles each day.

(d) Type of vehicle -
The style of vehicle, likelihood of theft, and cost of repair/replacement will all affect your premium. A sports car will definitely raise your rate more than a family car.





Did You Know...

In 2015, there were 9,561 auto thefts in the
Philadelphia-Camden-Wilmington metropolitan area.

This figure is provided by the NICB
(National Insurance Crime Bureau.)






Save Money on Auto Insurance:

* * Don't buy a car that thieves tend to steal

* * Remove any risky drivers from your policy

* * Increase your deductibles

* * Pay annually, semi-annually,
or quarterly... not monthly

* * Buy a car with safety features, or add safety features like a steering wheel lock or an alarm system




When Choosing an Auto Insurance Company


Consider not only the quote they give you, but also their customer service and record for handling claims.

Look online for reviews to see how they've treated their policyholders in the past. Don't make the mistake of finding out AFTER you've taken their policy.

Additionally, never assume that you will get the best insurance rate from the same company that insures your home or RV.

A "multi-line discount" may or may not be beneficial for you.




Thanks for stopping by our site.

As a consumer, arm yourself with knowledge about auto insurance, so you can make a wise decision.

Enter your zip code in the box above to obtain the quotes you need, then purchase a policy that's right for you!

If you prefer, you can check with local agents for quotes for car insurance in Philadelphia. Some agents are listed below for your convenience.




Auto Insurance Agents In Philadelphia:
ALBERT EVANGELISTA
923 S 8th St
Philadelphia, PA 19147
215-627-0144

GANNON COYNE
11685 Bustleton Ave
Philadelphia, PA 19116
215-671-0100

DANIEL CHARLES KEANE
7944 Frankford Ave
Philadelphia, PA 19136
215-331-6400

BRIAN J SHEEHAN
6529 Rising Sun Ave
Philadelphia, PA 19111
215-742-5058

JAMES J LUNING
2761 Orthodox St
Philadelphia, PA 19137
215-289-2780

M LEONARD TORRENCE
4554 Rising Sun Ave
Philadelphia, PA 19140
215-457-2911

GLEN SOSNADER
6135 Woodland Ave
Philadelphia, PA 19142
215-730-0777

TIMOTHY P WADE
227 W Lehigh Ave
Philadelphia, PA 19133
215-291-8182

LARRY LEWIS
4548 Market St
Philadelphia, PA 19139
215-243-4110

BENE ROCCO
2243 S Lambert St
Philadelphia, PA 19145
215-389-2080

GANNON INSURANCE
124 N 9th St
Philadelphia, PA 19107
215-629-1566

MARAT IOSHPA
8420 Bustleton Ave
Philadelphia, PA 19152
215-305-5555

JOSEPH M WADE
3212 W Cheltenham Ave
Philadelphia, PA 19150
215-247-2900

CHRIS BORN
1421 W Susquehanna Ave
Philadelphia, PA 19121
215-268-7726

CHRISTA BEAN
221 E Girard Ave #1
Philadelphia, PA 19125
215-291-1300



MARIO VALAIS
1716 E Passyunk Ave
Philadelphia, PA 19148
215-271-4000

JEFF GOTTESMAN
9551 Bustleton Ave
Philadelphia, PA 19115
215-725-1000

JANET HEIERBACHER
9910 Frankford Ave Suite 210
Philadelphia, PA 19114
215-824-0600

XIN HU
2020 Cottman Ave
Philadelphia, PA 19149
215-728-6333

FRANCIS FROIO
212 Fairmount Ave
Philadelphia, PA 19123
215-925-6700

DANIEL J O'MARA
2644 E Tioga St
Philadelphia, PA 19134
215-425-6161

J.T. MELVIN
4752 N Broad St
Philadelphia, PA 19141
215-329-8211

THE CLEMENTO GROUP
15 W Highland Ave Suite D
Philadelphia, PA 19118
866--312-2536

DREW W REVAK
11700 Academy Rd
Philadelphia, PA 19154
215-824-4663

JIM DALY
7148 Frankford Ave
Philadelphia, PA 19135
215-333-5400

RICHARD W. CORDING
7101 Ridge Ave
Philadelphia, PA 19128
215-487-0733

STEVEN T DORSEY
6624 Germantown Ave Suite A
Philadelphia, PA 19119
215-713-2886

WILLIE MANLEY
6000 N Broad St Suite 8
Philadelphia, PA 19141
215-927-1490

DANIEL J MCGINLEY
753 W 35th St
Philadelphia, PA 19124
215-533-5600

ANTHONY AMEN
6701 Haverford Ave
Philadelphia, PA 19151
215-764-5981

KEVIN MCGONIGLE
12040 Bustleton Ave
Philadelphia, PA 19116
215-464-4300

SERGEY TSVILIKHOVSKIY
8509 Bustleton Ave
Philadelphia, PA 19152
215) 342-4422

THOMAS MEEHL
2830 Cottman Ave
Philadelphia, PA 19149
215-624-7600

ANTHONY CLEMENTO
15 W Highland Ave
Philadelphia, PA 19118
215-242-6100

JORGE FLORES
5719 Rising Sun Ave
Philadelphia, PA 19120
215-342-2210

THOMAS LACROIX
2391 Orthodox St
Philadelphia, PA 19137
215-744-9550

SALVATORE FINAZZO
2645 E Lehigh Ave
Philadelphia, PA 19125
215-426-5600

MICHAEL PHILLIPS
2507 S Broad St
Philadelphia, PA 19148
215-271-8980

JAMES MATIKA
128 Lombard St
Philadelphia, PA 19147
215-413-5800

RACHEL YUSTER
209 N 3rd St
Philadelphia, PA 19106
215-291-1300

THOMAS STEPHENSON
2001 Walnut St
Philadelphia, PA 19103
215-564-6336

DERRICK ZHANG
128 N 10th St
Philadelphia, PA 19107
215-238-9849

ALLAN IORI
7944 Frankford Ave
Philadelphia, PA 19136
215-331-6400

JOSEPH DEFINIS
6154 Ridge Ave
Philadelphia, PA 19128
215-483-4040

SHAUNA HOPKINS
3948 Chestnut St
Philadelphia, PA 19104
215-222-6100









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