Everyone likes a deal, especially when shopping for auto insurance. Lowering your monthly premium can sometimes mean not-so-great coverage, or spotty customer service-;but it doesn’t have to be that way. In the article below, you’ll learn how to get lower car insurance rates in Philly.
Bundle Your Policies
Most insurers offer a discount if you buy your homeowner’s and auto policies at the same time. You may be able to save significantly if you have all of your vehicles and/or all drivers in your household on the same policy. It pays to do your research before bundling, as there’s always a chance you can save more by purchasing from different carriers.
Shop Around
Rates vary widely from one insurer to another, and shopping around can save you quite a bit of money. You should get quotes from a minimum of three companies, and you should also ask family and friends who they recommend. It’s easy to get quotes online or with a quick phone call-;a few minutes can save you hundreds of dollars per year.
Stay Off the Roads
The farther you drive, the more likely you are to be involved in an accident. That’s exactly why many insurers offer discounts to those who don’t drive significant distances. If you carpool often, or if you drive less than the national average, you may qualify.
Change Your Driving Habits
The more proficient you are behind the wheel, the more you can save. If you have a clean driving record, you can qualify for a “safe driver” discount, and you may be able to save even more by taking defensive driving courses.
Raise Your Deductible
By increasing your deductible you will have to pay more in the event of an accident, but you can save up to 40% on your comprehensive and collision coverage. Get into the habit of setting aside some of those savings, so you can afford to pay the deductible if you need to make a claim.
This list is by no means complete, but it can point you in the right direction in your search for the lower car insurance rates in Philly. Keep your focus on final price rather than discounts-;you may find that the company that offers the fewest deals can still offer low rates.
