Home of the American Revolution, in Philadelphia, as in all states, liability insurance for bodily injury and property damage is required as well as personal injury protection (PIP) insurance. The required state liability insurance covers injuries to others as well as repairs or replacement costs for the other vehicle if you're at fault in a car accident. Philadelphia's over 1.5 million residents are required to have at least 15,000/30,000/5,000 in coverage. Therefore, any Philadelphia auto insurance quotes you obtain should include bodily injury liability (BIL) coverage of $15,000 per person per accident with $30,000 as the designated coverage for all victims in a car accident where you're at fault. Additionally, $5,000 of property damage liability (PDL) is required for any damages sustained to another vehicle if you're found to be accountable. The requisite PIP insurance covers up to $5,000 for medical costs.
If you own a newer model car, you may also want to consider comprehensive or collision coverage. Many lenders require collision and/or comprehensive insurance for people who either lease or still owe money on a newer vehicle. Collision coverage protects you financially by providing payment for the repair or replacement costs for your vehicle if you're involved in an accident. Comprehensive insurance covers your car in case of theft, vandalism, fire, hail or any damage resulting from adverse weather conditions. If you have a newer car then, it may be wise to consider including full coverage, or comprehensive and collision insurance, in your auto insurance package.
In addition, when obtaining Philadelphia car insurance quotes, you may want to consider uninsured motorist's coverage as well. This type of insurance supplies protection for you and other passengers or drivers in your household if you're hit by someone who isn't carrying liability insurance. Underinsured motorist's coverage is available too and covers you if a motorist hits you and is insured but doesn't have enough insurance to adequately pay you for any injuries or damage.
A number of Philadelphia car insurance companies can provide you with several types of coverage for insuring your vehicle. When obtaining Philadelphia car insurance quotes then, you need to opt for coverage based on the age of your car and how often you drive. For instance, if you have an older car, you may only need the state's basic liability and PIP coverages, which can drastically reduce your rates. On the other hand, if you're leasing or making payments on a newer car, then full coverage may be in order. Let us help you find the coverage you need at a great price. Finding the right coverage doesn't have to be confusing. Enter your zip code now to begin.