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Philadelphia, Pennsylvania Car Insurance

Philadelphia is notorious for traffic congestion during rush hour. Some roads see congestion at any time of the day or night. If you need to travel through Philadelphia, you can help keep your car insurance rates down by finding alternate routes that help you avoid the most congested areas of traffic. Driving on roads that with heavy traffic increases your risk of being involved in an accident, simply because there are more cars that could cause accidents. Plan your route carefully to keep your insurance rates down and stay safer.

Typically Congested Commute Areas

During the morning commute, the worst highways to travel are I-76 (both directions), I-95 (southbound), I-476 (both directions), I-276 (westbound), and US 202 (north and eastbound). The afternoon commute backs up in the opposite direction on most of these roads as early as 4:30 in the afternoon. I-76, also known as the Schuykill Expressway, has been known to back up at any time in either direction due to ineffective onramps and exits. Most of the other highways clear up nicely during the off-peak hours of the day and night.

Unexpected Delays

Any unexpected event can cause huge traffic jams into and out of the Philadelphia city center. Baseball games tend to create traffic problems every time the Phillies are in town. An accident going either direction on one of these busy highways can bring traffic to a standstill at any time of the day. Even scheduled construction work can create slowdowns along the highway that back up for miles. Your best bet is to listen to traffic reports before you get into your car and while you are driving. Sometimes a good traffic report can warn you of potential problems while you have time to change your route.

Timing can Help

Some Philadelphia commuters have discovered that leaving a half hour earlier in the mornings can help them avoid the majority of the traffic. The difference between driving into the city at 7:00 am instead of 7:30 am is remarkable. Leaving a half hour earlier in the afternoon is not quite as effective, but it will still save you some time and trouble. Altering your commute schedule can keep you out of the brunt of the rush hour traffic, which is safer for you and better for your car insurance rates.

Lighter Traffic Options Reduce Insurance Costs

Any time you can avoid traffic congestion on a daily basis you are improving your odds of avoiding an accident. Since car insurance companies offer hefty discounts for drivers who manage to avoid accidents for three consecutive years or more, it is worth the extra time and effort to find a safer way to travel to and from work every day. Your drive will be less stressful, as well. If you would like to know how much you could be paying for car insurance in Philadelphia, enter your zip code into the form on this page. You will get the best results if you request quotes from three or more insurance companies.

If you are looking for automobile insurance in Philadelphia, you will be able to find most any type of you may need by simply taking the time to do so. It is very important that you have insurance because it will be needed when you drive an automobile. Additionally, Philadelphia is one of the largest cities in Pennsylvania, so this makes this a very business city to drive in.

It is always important to know the minimum limits you should have when it comes to car insurance and this will aid you greatly in making sure you have these amounts to avoid any type of penalties that may be a result of not having enough insurance on your vehicle.

The state of Pennsylvania has mandated that the minimum liability policy includes $15,000 per person and $30,000 per accident for bodily injury, $5,000 for property damage. Also, you must have at least $5000 for medical benefits in the event there may be some type of injury.

This is just the minimum amount, it is highly suggested that you have much more than this low amount if you want to be sure you have the maximum of coverage and arenít left holding the bag when it comes to any accident you may have. It is imperative that you take the time to talk to various insurance agents to just make certain you have the maximum amount of coverage that you will need.

Philadelphia is a great place to live and work and when it comes to driving there, you will want to be certain you have the proper amount of insurance because the larger the population, the more likely the chances you may have an accident. So, stay safe and stay insured at all times.