Like most states, Pennsylvania requires all motor vehicle drivers to carry auto insurance. Auto insurance covers you if you or someone driving your car gets into an accident. Instead of going with the first policy you find, it is advised that you review and compare many different policies in order to get the right coverage for your needs at the best price. Need help finding the best Philadelphia auto insurance policy for your lifestyle? Insurance Shops in Montgomery County is available to assist you with all of your insurance needs!
Shopping for Philadelphia Auto Insurance Made Easy
Many people pay more than they have to for auto insurance in Philadelphia because they don’t take the time to do comparison shopping or make sure they’re not paying for coverage that they don’t need. Insurance Shops that you keep the following considerations in mind when shopping for Philadelphia auto insurance:
Determine which type of coverage you need. Auto coverage ranges from the bare minimum to everything you could possibly need. Most people opt for a happy medium. Pennsylvania requires minimum medical benefits and liability coverage; beyond that, you have options.
One choice you have to make is whether you want to pay for Limited Tort or Full Tort. Choosing Limited Tort makes for a cheaper premium, but you have limited legal rights to sue after an accident caused by another driver. Your medical costs will be covered, but you forfeit the right to sue for pain and suffering (unless you incur a “serious injury,” as defined in your policy). Full Tort coverage allows you to sue for both medical costs and pain and suffering, but the premiums are higher.
Other coverage options include:
- Higher limits on medical and liability coverage
- Collision – damage to your car due to an accident
- Comprehensive – damage to your car due to anything other than an accident (e.g., vandalism)
- Rental car reimbursement
- Towing
- Stacking uninsured/underinsured coverage on multiple cars
Don’t base your decision on price alone. Price is clearly important to every Philadelphia auto insurance shopper, but the number should not be the sole determining factor. Rather, consider the value you’re receiving for that particular price. The professionals at Insurance Shops are expertly trained at analyzing coverage, quality of claims services, and price to make a determination on the overall value.
Ask if you qualify for discounts. Some insurance companies will offer discounts for certain qualifying factors, such as purchasing insurance for multiple vehicles or taking a driver education class within the past few years. Ask your insurance agent to inform you of any discount plans for which you may be eligible.
Insurance Shops is Here to Help
Purchasing auto insurance in Philadelphia does not have to be an intimidating task. The professionals at Insurance Shops can help you sift through the many policies to find the perfect one for you. Contact us today to get the process started and receive a free quote!
