Having proper car insurance in Philadelphia, PA is absolutely essential — between hectic rush hour traffic, congested streets, and uninsured motorists, you need to be prepared for anything. Your policy will meet the minimum requirements called for by Pennsylvania state law. The current minimums are:
- Bodily Injury Liability – minimum limit is $15,000/$30,000
- Medical Benefits – minimum limit is $5,000 of coverage
- Property Damage Liability – minimum limit is $5,000
These minimums are required for all Pennsylvania drivers, whether you live in the bustling city of Philadelphia or the quiet suburb of Yardley. But while minimum coverage insurance is cheap, is it enough to meet your needs? When you purchase car insurance, it should be based on your financial portfolio. For example, if you own a home, a bodily injury limit of $15,000/$30,000 is too low, since your home is worth more than $30,000. The amount of liability coverage you purchase should normally be roughly equal to your assets. It is important to thoroughly conduct research and evaluate your needs before you select your auto insurance.
If you get into an accident or get pulled over, an officer is going to ask you for your license, insurance and registration. Not being able to provide proof of insurance will land you in hot water. Freedom Insurance Group Inc. can help you if you are purchasing your first car or just looking to get a better rate on your car insurance in Bensalem, PA. If you have been with your insurance company for a long time, you may be overpaying for your car insurance. Insurance companies determine their rates individually. You might be pleasantly surprised when you discover that you could save money by switching to another company. With so many options available, it might seem a daunting task; but with Freedom Insurance Group, Inc., it doesn’t have to be. We take the hassle out of shopping for car insurance by comparing rates and getting you quotes from over 10 different well-respected companies. There may be additional discounts you are not currently getting that we will make sure to factor into your rate. For many companies, if you combine your auto and home insurance, you may qualify for an additional discount. Many of us struggle to find cheap auto insurance with the right amount of coverage in Northeast Philadelphia. Fortunately, Freedom Insurance Group, Inc. is here to help you make that tough decision.
Many of our policies also include roadside assistance. For just a couple of dollars a month you will have additional coverage if you run out of gas, you break down, your battery dies, or your car won’t start.
Having the right car insurance agency in Philadelphia will make it easy to get the coverage you need at an affordable rate. Our licensed agents have the experience to assist you throughout the process of getting a new policy as well as assisting you with any accidents or claims you may encounter in the future. We strive to get you the best low cost car insurance with maximum coverage.
With so many insurance options it pays to do your research. If you are short on time, contacting Freedom Insurance Group Inc. is a wise choice — we represent over 10 A+ companies and can offer you many quotes with just one phone call. Currently we represent companies including: Progressive, Safeco, The Hartford, Grange, Travelers, and many more. Insurance companies are not one-size-fits-all. We can help you determine the best company for you, whether you need auto, home, or renters insurance. Call us today at 215-375-7733.