What to Expect from Philly’s Low Cost Car Insurance

February, 2014 by

You know you need car insurance, but your budget is limited. What do you do? The best option in your situation may be to look for the least expensive car insurance. Be careful, though, because you need to also ensure your insurance provides enough coverage to protect your limited finances in case you are in an accident. There are a few things you can expect from Low Cost Car Insurance in Philly.

You can expect your coverage to meet the state minimums for car insurance. The state of Pennsylvania requires that all drivers carry auto insurance with a certain amount of coverage. You will need to have medical benefits, bodily injury liability, property damage liability and either limited or full tort. Choosing limited tort will save you money on your premiums but limits your ability to sue the other driver if you are the victim in a car accident.

Though you can be confident your insurance company will provide the minimum coverage required by law, it can be financially responsible to find out how much it will cost to purchase more than the minimum. By adding additional coverage, you can protect your personal assets from judgements if you cause an accident that results in more medical bills or property damage than your insurance provides. If the other party sues you for a substantial amount of money, you could lose your home or other assets if you aren’t adequately insured.

Fortunately, with discounts and flexible payment plans, you can get the coverage you need at a price you can comfortably afford. You may not know that you don’t have to settle for a bare minimum insurance policy on your budget. Most drivers qualify for one or more discounts based on their driving record, car safety features or for purchasing home or life insurance from the same company. By combining discounts and a low down-payment, you may be able to get a great car insurance policy for a surprisingly affordable rate..

Before you purchase car insurance, be sure to get quotes from more than one insurance company so you can be sure you are getting the best Low Cost Car Insurance in Philly.

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