Question on Car Insurance (Philadelphia: neighborhoods, living in, costs)

[Hobokenkitchen]

Does anyone know how car insurance in center city compares to insurance rates in New Jersey?

I know PA is meant to be cheaper than NJ, but does this also apply to CC?

Thanks!

[Tone509]

The city of Philadelphia as a whole will be higher than the surrounding suburbs. There's no delineation between different city neighborhoods. I don't know how the city would compare to NJ. I do know that Philly has some of the highest insurance rates of major cities, if not *the* highest.

[billb7581]

I pay about 1150 a year with 2 cars full coverage living in south jersey.


Guys I work with who live in the Northeast pay at least that and typically more.

[Hobokenkitchen]

We just got a quote from Geico. Ouch. It's almost $100 more per month than we're paying in New Jersey.

What was interesting is that Chestnut Hill premiums were even higher than CC.

Does anyone have tips for reasonable car insurance companies for Philly?

[Tone509]

Originally Posted by Hobokenkitchen

We just got a quote from Geico. Ouch. It's almost $100 more per month than we're paying in New Jersey.

What was interesting is that Chestnut Hill premiums were even higher than CC.

Does anyone have tips for reasonable car insurance companies for Philly?

That's not surprising at all to hear rates were (even) higher in Philly than they are in NJ. I have to admit that I don't drive so I guess I made a bad assumption about insurance companies differentiating between city neighborhoods. Chestnut Hill is known for being upscale; perhaps it is a target for car thefts. Who knows? I do know that rates tend to drop dramatically once you cross over the line into the burbs. The city proper has one of the lowest percentages of insured drivers in the country. I don't know if the high insurance rates came first... but the "chicken and egg" cycle seems to perpetuate itself.

[treeluvr]

Originally Posted by Hobokenkitchen

We just got a quote from Geico. Ouch. It's almost $100 more per month than we're paying in New Jersey.

What was interesting is that Chestnut Hill premiums were even higher than CC.

Does anyone have tips for reasonable car insurance companies for Philly?

At present, I don't even have a car--got tired of the costs and parking issues. Live in CC, so I get along.

That said, when I did have a car, I found that rates from AAA were very good (relatively)--of course I had an AAA membership. It was certainly a better deal than Geico.