Just like anywhere else, if you shop around for car insurance in Philadelphia, you could save an average of 481 every six months.
The average six-month variation in Philadelphia is $595.
The findings, according to Progressive Auto Insurance, focus on auto insurance rate variance - or the average spread between the highest and lowest six-month rates available for new policies.
The rate information, in the case of Philadelphia, comes from public filings with Philadelphia's Department of Insurance.
What this basically means is that a Philadelphia could get a quote of $1,250 for a six-month policy from one insurance provider and a quote of $770 from another company for the exact same coverage.
In 2005, drivers across the country saw slightly lower costs in insurance with the average Philadelphia car insurance rates dropping about $268.
It matters where you live.
New York auto insurance dropped by 3.
4% in 2005; yet, New York is one of two most expensive states for auto insurance.
This is because of limited parking, more traffic, more car theft and more uninsured drivers.
The other highest insurance premium state is Louisiana.
Also, like other states, other factors that Philadelphia car insurance companies take into consideration when offering you insurance is how many driving violations you have, the type of vehicle you drive, how many accidents you?ve been in, your credit rating, your occupation and your age.
If Philadelphia drivers and all others know the discounts they could take advantage of they would save a lot of money.
You should always shop around and research any policy before you buy it.
You need to understand how you can reduce your rates through policy-related discounts (how old your car is, etc.
), vehicle-related discounts (based on the model of the car you buy) and driver related discounts (age, driving record, etc.
).