Philadelphia is really no different to any other place. If you take the time and trouble to shop around a little you could save yourself in the region of $481 over a 6 month period. An average 6 month variation in this area is $595. According to Progressive Auto Insurance, these figures are calculated based on the auto insurance rate variance, the average of the highest and lowest 6 monthly rates on new policies. As far as Philadelphia is concerned the rate information is gathered from public filings with the city’s Department of Insurance. Put simply a person from Philadelphia could get two quotes for identical cover and one would cost $770 whilst the other comes in at a much higher price of $1,250.
During 2005 Philadelphian drivers experienced slightly less costs for insurance due to the fact that rates dropped by an average of $268. In New York, however, which along with Louisiana is one of the most expensive states as far as auto insurance goes, rates dropped by 3.4% in the same year. This is because in these places there is more traffic, parking spaces are limited, and car theft is a more frequent occurrence, as is uninsured driving.
In a similar way to other states, the number of driving violations accrued in the past is taken into account when drivers from Philadelphia apply for auto insurance. This along with the kind of vehicle being driven, the age of the driver, his or her occupation and credit rating score and any accident history will also be considered at the same time. Shopping around is important and there are many discounts to be taken advantage of which can save the driver a substantial amount of money. By checking out policy and vehicle related discounts, for example, the age and model of the vehicle to be driven as well as driver related discounts determined by the age and driving record of the driver, it will soon become clear exactly how much cheaper Philadelphia auto insurance can be.
