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. Traffic jams, tight city streets and strict parking enforcement have made the city infamous to native drivers and tourists alike. Over 9 million licensed drivers crowd the streets of Pennsylvania making insurance a necessity for anyone looking to drive 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.
According to the Pennsylvania Department of Transportation, drivers in Pennsylvania are not permitted to text. As reported by The Philadelphia Inquirer, the distracted driving laws in the state ban texting and allow police officers to pull over and cite anyone who is texting. 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.
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.
– First-time Offense
– Second-time Offense
– Third-time Offense
Offenders with a BAC level over .10 face more serious consequences.
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.
