Philadelphia Car Insurance
Philadelphia car insurance rates
If you’re researching auto insurance quotes in Philadelphia or trying to find cheap auto insurance in Philadelphia while shopping for a policy, you’ll find all the information you need here. We provide average car insurance rates for Philadelphia listed by ZIP code and company. That way you can get a reference point for how much you can expect to pay. We’ll also explain how coverage works, and how much car insurance you need.
Philadelphians pay some of the highest Pennsylvania car insurance rates in the United States, and tops for Pennsylvania. Right now a policy in the City of Brotherly Love costs triple what the same coverage does in other parts of the state.
Though drivers in Philadelphia pay the most for car insurance in the state, regardless of where you live, you can save a considerable amount if you compare rates. This is why:
- No policy is priced the same by multiple insurers.
- They also use different formulas when deciding what you pay, which is why the price for the same policy varies by hundreds, or thousands, from one insurer to the next.
- For example, Philadelphia ZIP code 19132, with an average rate of $3,819, is the most expensive in the city and the state, according to a CarInsurance.com analysis. The highest rate from insurers surveyed for that neighborhood ($6,451) was $5,078 more than the lowest ($1,373), according our rate analysis.
- The wide range in rates from different insurers shows why it’s wise to compare car insurance rates. Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies.
- Your age, your driving history, your credit and the type of car you drive, among other factors, are all used by insurance companies to calculate how much you pay. But where you live is typically used by insurers as a base line for the process, with other variables either increasing or decreasing that amount. Insurance companies assess ZIP codes’ risk levels based on the number and severity of car insurance claims within the area.
Car insurance comparison: Philadelphia
Here’s how Philadelphia’s highest average rate ($3,819) compares to others, for a full coverage policy:
- $2,653 more than the least expensive average rate ($1,166) in the state, Boalsburg 16801
- $2,297 more than the state average ($1,522)
- $1,147 more than the average rate for all of Philadelphia ($2,672)
- $2,464 more than the national average rate ($1,355)
Average car insurance rates in Philadelphia by ZIP code
Here are the 10 most and least expensive ZIP codes for car insurance in Philadelphia. You’ll see in the chart below that you can save $3,000 to $4,000 just by doing a car insurance comparison, no matter which address you call home.
Best Cheap Car Insurance in Pennsylvania for 2018
If you’re looking for cheap car insurance in Pennsylvania, shopping around is key. Rates for the same coverage options can swing dramatically from one insurer to the next, so it pays to compare as many quotes as possible.
To make things easier, NerdWallet has done the comparing for you. We researched average prices from the state’s 10 largest insurers and found the cheapest Pennsylvania car insurance options for the following drivers:
ALSO IN THIS ARTICLE
Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
Among the three most affordable insurers for safe drivers without a military affiliation, the average quote was about $887 per year. Erie had the cheapest rate for this group, roughly $62 per month. Good motorists are usually able to cut rates even more with discounts for going without a claim, which many companies offer.
Cheapest for young drivers
For drivers in their early 20s.
Because they often need less coverage than older motorists, drivers in their early 20s can buy relatively cheap car insurance in Pennsylvania.
Erie offered the best rates in our analysis, at around $30 per month. Both State Farm and Geico fetched average quotes of less than $50 per month.
Cheapest for drivers with one at-fault crash
You can usually bet on a rate increase if you cause an accident, either at renewal time with your current insurer or if you shop for a new policy. The cheapest Pennsylvania car insurance price we found for motorists with one at-fault crash was nearly $20 per month more than the lowest rate for drivers of the same age with an unblemished driving record.
Shopping around is particularly important if you have a black mark or two. Rates topped out at more than $4,000 per year for this group among the insurers we reviewed, meaning you can get hit with sky-high rates if you’re not careful.
Cheapest for drivers with poor credit
For drivers placed in the “poor credit” tier.
Insurance companies see your credit history as a useful predictor of future driving behavior and may charge higher rates if you’re a Pennsylvanian with poor credit.
Nationwide had the cheapest average price tag for this group: $1,331 per year. That’s about 45% higher than the best deal we found for drivers of the same age with no credit issues.
Cheapest for retired drivers
For drivers in their mid- to late-60s who no longer use their car for commuting.
Given their reduced annual mileage, retired drivers can usually find pretty cheap car insurance in Pennsylvania. We reviewed rates for drivers in their 60s who traveled half as many miles on average as drivers in other groups.
Erie returned the cheapest average quote, roughly $47 per month. This was lower than the cheapest estimate for good drivers half that age who put a daily commute on the odometer.
Insurers must offer a discount if you’re 55 or older and complete a “mature driver improvement” course approved by the Pennsylvania Department of Transportation.
Cheapest for drivers with a military connection
If you’re an active member of the military or a veteran — or have an immediate family member who is — you’ll likely find relatively low rates with USAA, an option that isn’t available to the general public.
For the driver profiles listed above, USAA had one of the two cheapest average rates among large companies for every category.
Minimum car insurance requirements in Pennsylvania
Drivers in the Keystone State are required to carry at least liability insurance and medical payments coverage in the following amounts:
- $15,000 of bodily injury liability per person
- $30,000 of bodily injury liability per accident
- $5,000 of property damage liability per accident
- $5,000 of medical payments coverage
Although this will be enough to drive legally, experts suggest getting more than the bare minimum. You might also want added protection with supplementary options, such as collision, comprehensive and uninsured motorist coverage.
Check out NerdWallet’s guide to state car insurance requirements for more information on coverage you might want on your Pennsylvania auto insurance policy.
Alternative car insurance in Pennsylvania
Pennsylvanians with checkered driving histories, extremely poor credit or other factors preventing them from buying traditional car insurance might qualify for coverage through the Pennsylvania Assigned Risk Automobile Insurance Plan.
Or, instead of buying auto insurance, residents can pay a cash deposit of $35,000 to the state. Because going this route would leave drivers vulnerable to future car accidents and crash-related lawsuits, most will find it simpler and less costly to purchase car insurance.
NerdWallet can help make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view estimates from top Pennsylvania auto insurance companies.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Auto Insurance Offered in Philadelphia
Known as the City of Brotherly Love, Philadelphia is filled with passionate people who don’t take any nonsense from anyone.
Driving in the city has its own logic – you are more likely to get in an accident if you are overly cautious and slow to move than if you go with the flow of traffic, even if everyone seems like they’re in a rush.
Due to its class diversity, crime rates, historic streets and unique character, it is important to be aware of the city’s insurance laws, driving statistics and average rates before you choose your provider.
Make sure you are covered with car insurance! Use our ZIP code search and compare car insurance for FREE!
Requirements for Philadelphia Car Insurance
The minimum coverage requirements for Philadelphia drivers are:
- $15,000/$30,000 Bodily Injury Liability Coverage
- $5,000 Property Damage Liability Coverage
- $5,000 PIP Medical Coverage
Your car insurance provider will know these requirements and will always offer you a policy that fulfills at least these.
However, there are possibilities for additional coverage if you are concerned about damages to your car in Philadelphia such as:
- Uninsured motorist coverage – ensures that you will be adequately compensated if you sign up for a Tort policy and someone hits you, is at fault, and doesn’t have insurance
- Comprehensive coverage – covers damage to your car as a result of theft, vandalism, harsh weather or other acts of God
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Laws and Regulations for Philadelphia Insurance
All drivers in the city of Philadelphia are required by law to hold at least the minimum amount of required state coverage.
Failure to do so is a civil infraction that may lead to a 90-day suspension of your driver’s license and vehicle registration.
Following this suspension, you are required to present proof of insurance to get your license and registration back.
You should keep a copy of your proof of insurance in the car with you at all times .
If you get into an accident or if a police officer pulls you over, you will be required to show it along with your license and registration.
Philadelphia is located in Pennsylvania, which is a Choice No-Fault state. This means that you can decide whether you want to sign up for a No-Fault insurance policy or a Tort insurance policy.
If you do not make this choice when you sign up for your insurance, a Tort policy is the default.
How to Decide Between Tort and No-Fault Insurance
In order to make an informed decision, you need to know why you might choose Tort or No-Fault.
The main difference between the two lies in how they establish blame for accidents and subsequent liability for damages.
When you sign up for a Tort policy, a court decides who is to blame for your accidents. The insurance company of the person at fault pays for everybody’s damages, court costs, and medical bills.
With a No-Fault policy, your insurance company pays for your damages and bills. You are never liable for anybody else’s damages except in severe circumstances.
You also forfeit the opportunity to have someone else’s insurance company pay for your damages.
In the event that a no-fault driver is deemed responsible for an accident with a Tort plan, the Tort driver’s insurance company will have to pay the bills despite the lack of fault.
Pros and Cons of Tort and No-Fault
Pros and Cons sign
– Tort Pros
- Don’t pay for accidents that you don’t cause
- Legal incentives to be a good driver
– Tort Cons
- Policies are often more expensive because they include the necessity for court costs
- Tort drivers are more likely to commit insurance fraud
- Legal system defaults to No-Fault drivers
– No-Fault Pros
- Receive quick payments in the event of an accident without having to go to court
- Often cheaper
– No-Fault Cons
- If you get into an accident, your premiums go up, even if it isn’t your fault
- Lack of punishment for at-fault drivers in an accident
Philadelphia drivers with No-Fault insurance policies may be vulnerable to a tort lawsuit if their potential negligence is ruled to have caused sufficient personal injury.
Liable injuries include but are not limited to death, permanent disability or disfigurement.
Statistics for Driving and Insuring a Car in Philadelphia
Driving and car insurance accident statistics play a huge role in how car insurance companies put a price on your premiums.
Depending on the insurance company you use, this may lead to significantly higher insurance costs for men than for women.
Furthermore, depending on your county of residence around Philadelphia, you may need to pay more for your insurance coverage.
Insurance Companies of Philadelphia
There are many different Philadelphia car insurance companies for your to choose from. These include:
Each insurance company uses different algorithms to determine your premium rates. You should always shop around and compare policies before settling on one car insurance company.
You are required to have car insurance by law, so you might as well choose the insurance company that provides you with everything you need for the cheapest price.
Use our website to compare Philadelphia car insurance quotes today! Don’t wait any longer! Enter your ZIP code and find cheap car insurance for FREE!
Philadelphia Car Insurance
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Car Insurance in Philadelphia
In Philadelphia, it is crucial to save while insuring a vehicle because premiums in Philadelphia are known for being pricey. They are generally nearly double the state average. Going over some ways to save on Philadelphia car insurance can save you money.
- City Average: $2,564
- State Average: $1,433
- National Average: $1,427
Philadelphia Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Shifting from Very Poor (300-579) to Fair (580-669) draws in the biggest drop in premiums, as drivers save an average of $618 per year.
- Very Poor: $4,850
- Fair: $4,042
- Good: $3,331
- Very Good: $2,713
- Exceptional: $2,228
Philadelphia Car Insurance by Accident or Violation History
Past accidents and violations can cost you in terms of premiums. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Philadelphia have rates nearly double the average for the city of $2,564. Reckless driving will drive your rates up as well, with typical rates of $3,736. The severity of an accident influences insurance rates. When comparing premiums for drivers with at-fault accidents in Philadelphia, those with damages exceeding $2,000 pay 47% more than those with damages less than $1,000.
- DUI: $4,585
- Reckless Driving: $3,736
- At-fault Accident (damages less than $1000): $2,690
- At-fault Accident (damages greater than $2000): $3,956
- Speeding Ticket (16-20 mph over speed limit): $2,864
Philadelphia Car Insurance by Age
Philadelphia drivers see the biggest dip in premiums when they hit their 20s, as they save an average of 55% from moving out of the teenage age range. In Philadelphia, turning 60 means an increase in rates. Up until then, moving between age groups means decreasing prices. With typical car insurance payments of $7,298, teenage drivers have the most expensive rates out of all the age groups. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $2,271 each year. However, people in their 60s ($2,333) aren’t paying much more.
Philadelphia Car Insurance by Gender and Marital Status
In Philadelphia, gender and marital status play a role in your car insurance premiums. Being single can cost you approximately $80 more per year compared to being married. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. Males have premiums that are slightly cheaper than those for females.
- Female: $2,589
- Male: $2,564
- Single: $2,564
- Married: $2,481
- Divorced: $2,572
- Widowed: $2,516
What drives up car insurance rates in Philadelphia?
Where you live in Philadelphia affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you’ll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Philadelphia is no exception to the rule. From zip code 19113 to 19132, premiums rise by 50 percent—that’s $860.
Expensive Philadelphia Zip Codes: 19133, 19139, 19140, 19121, 19132
Cheap Philadelphia Zip Codes: 19113, 19128, 19118, 19127, 19154
Philadelphia Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that’s not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Philadelphia, you can expect 118 rainy days with an annual rainfall of 41.5 inches. Philadelphia is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
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Cheap Car Insurance in Philadelphia, Pennsylvania
Looking to learn more about cheap car insurance in Philadelphia and how to acquire it? In Pennsylvania, the minimum coverage for car insurance includes: medical benefits ($5,000), bodily injury liability ($15,000/$30,000), and property damage liability ($5,000).
Philadelphia is the largest city in Pennsylvania and one of the oldest cities in the United States. Founded in 1682, Philadelphia has been the site of many major events in the history of the U.S. Traffic jams, tight city streets and strict parking enforcement have made the city infamous to native drivers and tourists alike.
Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance quotes in Philadelphia. Let us compare auto insurance quotes for you now!
Driving Conditions in Philadelphia
Gridlocked traffic on Interstate 76, known as the Schuylkill Expressway to locals, makes both the morning and evening rush hours difficult for commuters. Navigating the downtown area of the city may be difficult for people who are unfamiliar with the area because of one-way streets and exit-only lanes that appear in both the right and left lanes.
Unique Laws in Philadelphia
Pennsylvania is more dedicated than most states when it comes to banning distracted driving. As reported by CBS Philly, the distracted driving laws in the state ban texting and allow police officers to pull over and cite anyone who is texting.
Philadelphia Crime Statistics
The crime statistics related to vehicles and driving that are listed below have been sourced from 2011 data provided by the FBI and 2012 data provided by the Pennsylvania Department of Motor Vehicles.
- Auto Thefts: There were 7,447 auto thefts in Philadelphia in 2011. This means that there were 4.9 auto thefts per 1,000 residents.
- Property Crime: There were 59,617 property crimes in Philadelphia in 2011. This means that there were 39 property crimes per 1,000 residents.
- Drunk Driving: There were 37 DUI-related deaths in Philadelphia in 2012.
- Crash Statistics: There were 11,336 total vehicle crashes in Philadelphia in 2012.
Philadelphia Vehicle and Driving Safety Requirements
According to the Governors Highway Safety Association, drivers in Pennsylvania are not permitted to text. However, there are no state bans on using a cell phone to talk while driving. Philadelphia is one of the cities in the state that prohibits all cell phone use by drivers, so it is important for drivers to use a hands-free set while driving within city limits. Motorcyclists who are either under the age of 21 or have held a motorcycle license for less than two years must wear a helmet. Seat belts are required for drivers, passengers in the front seat and anyone under the age of 18.
Impaired Driving Laws in Philadelphia
The Pennsylvania Department of Transportation advises drivers that driving with a blood alcohol content (BAC) level above .08 is considered to be driving under the influence. License suspension, fines and probation or jail time could be assessed as the result of a DUI.
- $300 fine
- Probation of up to six months
- Mandatory driving school
- Fine up to $2,500
- Jail time of up to six months
- 12-month license suspension
- Ignition lock
- Fine of up to $5,000
- Jail time of up to 2 years Offenders with a BAC level over .10 face more serious consequences.
Fines of up to $10,000 and jail time of up to five years could result for people who drive with a BAC above .15.
Having car insurance is not only helpful but also required by law in Philadelphia. For free car insurance quotes and to see comparable coverage rates, fill out the form on this page. At Cheap Car Insurance, we work hard to help you find and compare the cheapest auto insurance quotes in PA.
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Car Insurance Philadelphia, Pennsylvania Agents
Jeff Gottesman – State Farm Insurance Agent
Jeff Gottesman Serving philadelphia with great rates on car insurance, truck insurance, motorcycle insurance, commercial auto insurance and more!
What makes your specific agency stand out from your competition? Offering car insurance in philadelphia, pa. We offer excellent customer service and great rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!
Discount and Special Program offered Safe Driver Good Driver Good Student Multi-line
9551 Bustleton Ave
Philadelphia, PA 19115
H&m Insurance Agency
Marie, Lou Free quotes, low rates motorcycle and auto cheap insurance! best rate in philadelphia
5829 Rising Sun Ave Philadelphia, Pa
Philadelphia, PA 19120
Danny’s Auto Tags
7184 Ogontz Ave
Philadelphia, PA 19138
they was very helpful and service was good and
East Coast Insurance Consultants
6001 Torresdale Ave
Philadelphia, PA 19135
I needed a document notarized so I stopped into East Coast Insurance and Tags. When the woman notarized my document she asked me if she could find me a cheaper rate on my insurance. I gave her my information not expecting her to find anything cheaper for me but then she called me an hour later and had a price of thirty dollars a month less than what I was paying. I WAS PLEASANTLY SURPRISED. I went down there a few days later and have been happy ever since.
10789 Bustleton Avenue Bustleton Somerton Shopping Ctr
Philadelphia, PA 19116
Jim and his staff are very patient and helpful in deciding the type of insurance needed for me. I really appreciate this, the time he took, going over everything I needed make me feel very confident in my decision, and they have all types so it was very easy to get homeowners, auto and life insurance, all at once office.
And so is Jim Barlick. Jim Barlick and his knowledgealbe and friendly staff are always there to help with my policies and questions. Jim Barlick is patient, helpful and always consults on what I really need. He has a dedicated staff of good people who truly are “like a good neighbor”!
6150 Ridge Ave
Philadelphia, PA 19128
Mr. DeFinis is the consummate professional. He saved us hundreds of dollars a year on our auto, home, and liability insurance. Nothing was left to chance. He also went the extra mile, walked us through the application process, and took care of all of the details, hand delivering the final product. In other words, he took care of everything making it very easy for us. He even bought Girl Scout Cookies from our daughter! I recommend him highly.
Joseph Ems Insurance Agency
7348 Frankford Ave
Philadelphia, PA 19136
Unbelievable service! There is never an issue when a problem arises. We have homeowners, life & auto services all with this office & they go above & beyond to help thier clients! Highly reccomend!
Joe and his staff treat you like you are part of the family. I have had several different agents in a couple of different states and Joe Ems State Farm is by far the best agent I have come across. While I was in college away from my family and needing help with my insurance needs he and his staff treated me like I was one of their children and helped me every step of the way. Now that I am out in the real-world they have helped me with life-insurance and saving towards my retirement. They go that extra mile for you.
1210 S Broad St
Philadelphia, PA 19146
Had my title and registration processed the same day. very professional staff. easy
749 S 8th St
Philadelphia, PA 19147
No longer an Allstate Insurance agency. Now a Farmers Insurance Agency. Call me for a quote. We are half of what Allstate’s rate are! You won’t be sorry. 267-685-0590
Nilien Insurance Services
4521 Baltimore Ave
Philadelphia, PA 19143
Ott & Associates
7282 Leonard St
Philadelphia, PA 19149
Great customer service and the office is open 6 days a week so someone is always available!
Pak Auto Tags
2222 N Broad St
Philadelphia, PA 19132
I had never transferred a title before but that was not a problem going here. I had called several times that day with questions and they were always helpful and courteous. They even refunded an overpayment I had made and I would never have know if they didn’t tell me. there were problems with my title that they straightened out for me. I am totally happy with the service at Pak!
After spending hours running around trying to collect paperwork for PennDOT to renew my driver’s license, PennDOT closed at 4:15 on Friday and I did not get my new license. Who closes at 4:15. And who has time to take off work and deal with the pricks at PennDOT? Idiots working there!
Luckily, i found a little piece of auto tag heaven when I found Pak Auto Tags. They took all the headaches out of the whole process. They renewed my license and transfered my new car title in just 10 minutes. Plus their fees were AFFORDABLE. Jubin was very couteous and writes extremely fast. You will be in and out in no time.
I highly recommend this place for any form of auto paperwork. I will definitely come back again if i need their services in the future.
Thank you Pak Auto Tag. You have gain a customer for life.
2642 E Allegheny Ave
Philadelphia, PA 19134
03/14/11Skowronski Realestate and Staff are the best.
by Roxanne Gliwa at Citysearch
My husband and I purchased our home through Skowronski’s 20 yrs ago. Since then we purchased investment properties and insurance through their office. They collect rent for us with no issues with the tenants. Many of our tenants are long term so Iwould strongly say they are also satisfied with their estate and insurance service. Mr. Skowronski is well know in Port Richmond and I find it hard to believe the one comment I just read. I talk to so many people in this neighborhood and all’s you have to say do u know Jimmy Skowronski and the answer is of course who doesn’t. Mr. Skowronski couldn’t of been in business all these yrs if he wasn’t doing something right.. His staff is super nice Margaret & Joanna I don’t know how many times they went out of there way to answer my questions and help me as much as they could. Just this pass Friday they both stayed passed there working hours to help me resolve something.. I wouldn’t deal with anyone else..
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My parents have rented properties through Skowronski’s office over many years and with always the utmost of confidence and satisfaction. My parents have since passed and I have sold these properties through their office. I have my current homeowners insurance with them. My parents were happy with their services and so am I.
T & A Insurance Agency
4900 N 11th St
Philadelphia, PA 19141
Great service, prompt and extremely responsive to customer needs. The owner has great experience and will work with you in customizing and tailor the right insurance package that will meet your needs.
254 S 10th St
Philadelphia, PA 19107
I have been a State Farm customer ever since I walked into the office. I was greeted promptly by the friendly and knowledgeable staff. Thanh took the opportunity to step away from what he was doing to introduce himself to me. Rebecca assisted me in choosing the right coverage for my needs and budget. I still receive wonderful service, 4 years later.
The Perzel Agency
7338 Frankford Ave
Philadelphia, PA 19136
I’ve been a customer of Erie Insurance and the Perzel Agency for over 10 years. The coverage and the customer service are superior. I was in an auto accident, called in my claim on a Saturday, Erie had a claims adjuster out to look at my van and within a week I had the check in my hands. The customer service at the Perzel agency is excellent and the staff is knowledgeable.
The Perzel Agency has it ALL. GREAT rates, friendly & knowledgable staff and Mike Perzel at the helm who takes pride in making sure that ALL of his clients are always satisfied.
456 E Girard Ave
Philadelphia, PA 19125
I crashed my car Saturday. This is my story about Vince’s office.
Vince has been my agent for about 8 years now. I met him when I was buying a home. He now carries it all for me – home, life, car. I also referred him to a few friends.
Vince has provided the most personalized Insurance service I’ve ever dealt with in my life.
Everyone pays for insurance and wonders what they’re getting for it.
On the day to day stuff, he saves me money, and once, called me just to offer me a lower rate. A LOWER rate! Proactively!
Now, on to what we care about – when you’re in an accident.
I crashed my car Saturday, which led me to write this. The first call I made was to 911, then to Vince. When he called me back, he proceeded to negotiate a deal for me with the collision center, handling every step. He got me the rental car – all lined up, and is now negotiating with the at fault driver’s insurance company.
I guess my point is, I’m not a number to Vince, and would heavily recommend him to anyone. My assumption is that whomever is writing the negative reviews has some personal vendetta, or maybe flexing internet muscles. I’m a real customer, with real support from Vince. If the rest of the insurance business held your hand like Vince does, the industry wouldn’t have a bad wrap. Over and out.
We were a customer with state farm for years. Trusting their service and trusting we were getting a very competitive rate. In those years they never offer not even a candy. Here is why we went with another company. We were insuring two vehicles for over two years. One of the vehicles went down with a bad engine sitting in a mechanics bay for months. The very first day the car was diagnosed, we called state farm to inform that the car was inoperable and to take it off the policy (to save money (why pay the second premium on a car with a bad head gasket which i knew it was not being driven nor repaired for a couple of months). state farm requested the miles of the vehicle to make a note on the file as of why was being pulled from the policy. The miles were provided and supposedly they took it off the policy. The following months they kept billing us for the two cars which was not fair in my belief. I did my research, not to mention my experience in the automotive industry with other insurance carriers and i found out they were supposed to honor my request to remove the vehicle. They kept billing us for both cars. Not only that. On the one vehicle we kept in the policy, I decided to shop around and compare prices only to find out i was being overcharged more than $70.00 dollars a month for the one vehicle. Like a good neighboor State Farm is there to ripp you off. The comparison I did was using a declaration page from state farm so I can say it was apples to apples. same coverage for 70 dollars less a month. I had just made my payment 2 days before my comparison and decided to call state farm and cancel my policy. They said they will send a check for the non use of premium let me explain. My payments were made in advance on the 28th of every month. I made a pmt on the 28 and on the 1st of following month cancelled policy. they had more that 26 days of premium of my money, called the agent and he stated that state far will issue a check for non use of premium due to my cancellation. Finally the check arrived to my surprise it was a five dollar check. Yes $5.00 check. Then I called back and they treated me like i was not a customer anymore. Very different than the very first time we met. So, please if you are considering obtaining insurance, please stay away from
Vince Ovecka’s office
456 East Girard Avenue
Philadelphia, PA 19125
They will ripp your heart out.