Reader’s Question:
I have just moved into Philadelphia Pennsylvania PA from New York. I’ve never had to own a car there since it was easier to commute than drive but I’m thinking of getting one now that I’ve moved here. What types of auto insurance do I need to get in Philadelphia Pennsylvania PA?
Brooke
Philadelphia Pennsylvania PA
Welcome to Philadelphia Pennsylvania PA, Brooke. Yes, I’d imagine it’s a lot less stressful to drive in Philadelphia than New York!
As with most states in the US, at the minimum, you need to purchase auto liability insurance if you intend to drive your own car in Philadelphia Pennsylvania PA. Your coverage should include at least $5,000 of coverage for medical benefits for yourself and other identified beneficiaries, regardless of whose fault the accident is. In case someone is injured, your policy needs to be able to provide $15,000 coverage per person with at least $30,000 coverage each time an accident occurs. Finally, your chosen auto liability insurance should be able to provide at least $5,000 of coverage for any damage to property in case of accidents where you are at fault. Of course, higher coverage should be available from insurers in Philadelphia Pennsylvania PA.
As a first-time car owner, your premiums may be a bit higher. Premiums are usually primarily based on the extent of coverage as well as your personal driving history and the insurer’s assessment of your risk potential. Why don’t you check out the available auto liability insurance packages available for Philadelphia Pennsylvania PA. If you enter your zip code in the form on this site, you can also get free quotes, which you can compare to determine the best value for your money. You’re welcome to write again, too, alrighty?