One of the most common questions that Philadelphia car owners have is how to save money on their car insurance. Usually, they will shop around at different carriers to find the best price, however the cheapest price is not always the best coverage. Additionally, Philadelphia Car Insurance costs are affected by a lot more than just who you purchase it from; there are some key factors that will affect your auto insurance premiums. The following are just a few of these factors.
Type of Vehicle
Auto insurance providers will quite often develop vehicle safety ratings and offer discounts to customers who drive safer vehicles. If your car is more susceptible to damage, occupant injury, or theft, you may find yourself paying a higher premium just by virtue of the type of car you are driving.
If you have auto accidents, major moving violations, or a DUI on your record, you can expect to pay higher premiums. In fact, the average increase after a DUI is 82% according to an analysis of rates from six major insurers commissioned by Insurance.com through Quadrant Information Services.
How Much You Drive
Understandably, if you use your car for business and long-distance commuting, you can expect to pay more than someone who only drives their vehicle around town throughout the week. The theory behind this is that the more miles an individual drives in a year, the higher the chances of an accident, regardless of how safe the driver is. Although it should be noted that safe drivers often get discounts. Please speak to your insurance agent for specifications.
These are just a few of the key factors that can affect your Philadelphia Car Insurance Costs. Where you drive, your age, gender and marital status, and late payments can also affect rates. At Tri-State Insurance Agency, we take pride in giving our clients more for less. That’s why we help trim the costs of auto insurance coverage through a variety of discounts including multi-policy, safe driver, good student, declining deductibles, and other incentives that insurers offer to reward good drivers. Please contact us today to learn more at (888) 990-0526.