U.S. CitiesCity-Data Forum Index
Covid-19 Information Page
Go Back   City-Data Forum > U.S. Forums > Pennsylvania > Philadelphia
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 04-08-2009, 08:27 PM
 
3,440 posts, read 7,371,056 times
Reputation: 2393

Advertisements

Who has the cheapest car insurance in Pa?? In California I was paying 43 bucks a month...
Reply With Quote Quick reply to this message

 
Old 04-09-2009, 04:13 AM
 
Location: Between Philadelphia and Allentown, PA
5,077 posts, read 13,329,888 times
Reputation: 3734
Hmm... I don't know that any one car insurance has the cheapest. I have found that they are all pretty comparable and competitive with pricing but here in PA, what makes a BIG difference in what you pay is WHERE your car is registered. The closer you live to a big city, the more expensive it's going to be. If you have a car that's paid off and you are carrying the minimum coverage you might pay next to nothing way out somewhere away from city limits but the minute you move closer to a major hub the higher your prices will go.
It will also depend on your driving history and who you have on your insurance. Best thing to do here is to call around. I personally use State Farm and while some may say they are on the pricier side, you can't beat their coverage and customer service. I've been with them well over 10 years. Everyone in my family has them and we've all been very happy.
Reply With Quote Quick reply to this message
 
Old 04-09-2009, 08:10 AM
 
1,623 posts, read 5,967,012 times
Reputation: 449
Call AAA and they can give you help you find the cheapest coverage...
Reply With Quote Quick reply to this message
 
Old 04-10-2009, 05:55 AM
 
Location: a swanky suburb in my fancy pants
3,391 posts, read 7,740,351 times
Reputation: 1586
Quote:
Originally Posted by orrmobl View Post
Call AAA and they can give you help you find the cheapest coverage...
I switched from AAA to Geiko when I bought a new car and AAA raised my premium from $2,000. up to $3,000. per year in Center City. Geico is charging $1,000 per year for slightly better coverage. Mostly it depends on you and your driving record, tickets, accidents etc. Geiko seems to favor people with a good credit score as well. I feel like AAA has been cheating me all these years since I never had a claim or incident of any kind.
Reply With Quote Quick reply to this message
 
Old 04-10-2009, 11:45 AM
 
9,237 posts, read 19,615,672 times
Reputation: 22322
The cheapest insurance policy isn't gonna be the best one.

Not sure if they have the option in California, but in PA you can choose limited tort option or full tort. Full tort costs more, but you retain all rights to sue if you are hurt physically and/or financially from an accident. You can sue for lost work time, pain & suffering, etc. If you take limited tort, you save money on your premium, but you are severely restricted in what you might pursue if someone bashes into you. (I think it may just be medical costs of serious injuries, but not completely sure).

Like the others said, a lot will depend on your driving record, age, gender, and all those other actuarial/statistical things.

I have a sweet deal with State Farm: I pay a little over $500 every 6 months, and I have full tort, collision/comprehensive, and a higher than average amount for personal injury coverage. I also get a discount because I have my homeowner's insurance with them too. I have no tickets, points, or accidents, and my car is about 6 years old.


If you see auto insurance as just something you must buy because it's the law, and you want the cheapest plan possible, that's one thing. But if you see insurance as a way to protect yourself (and your family, finances and assets), then get a plan with as much protection as you can afford. Buying cheap insurance online may be great, but if you ever have to put in a claim, you might prefer to have a live person in a local office.
Reply With Quote Quick reply to this message
 
Old 06-05-2009, 10:58 AM
 
Location: Philly
1,776 posts, read 3,679,623 times
Reputation: 824
When I lived in Philly, I was paying close to $300/month for American Independent Insurance.

Then I moved to Montco, and currently with 2 cars I'm paying just over $600 every 6 months- for full coverage

In PA it's all about Location, and the poster who said the closer you live to a large city is right- people will move across Cheltenham Ave in West Oak Lane- Philly- to Montgomery County- Cheltenham Township for a reduction in car insurance. But it's better to go even further away from Philly for a deeper cut in price.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Pennsylvania > Philadelphia
Similar Threads
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6.

© 2005-2020, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top