If you’re trying to find lower-priced insurance online, do you get confused by the wide range of insurance companies available to you? You’re not alone. You have such a large number of options that it is a real challenge to find the perfect company for you. If you live there, you know that Philadelphia is a great city to live in, but budgeting for expensive insurance makes it impossible to purchase enough protection.
Everyone knows that insurance companies don’t want customers comparing rates. Consumers who shop around for the cheapest rate are highly likely to switch companies because there are good odds of finding a policy with more affordable rates. A study showed that consumers who compared price quotes annually saved an average of $860 a year compared to those who never shopped around.
If finding the best price on Lexus NX 200t insurance in Philadelphia is the reason you’re reading this, then having a grasp of the best way to quote and compare insurance premiums can help make the process easier.
It’s important to check insurance prices periodically due to the fact that insurance prices are usually higher with each renewal. Even if you got the best deal on Lexus NX 200t insurance in Philadelphia two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because it’s time to teach you the fastest and easiest way to remove unneeded coverages and save money.
When comparison shopping, there are several ways to compare quotes from local Philadelphia car insurance companies. The easiest way by far to do a complete rate comparison is to use the internet to compare rates.
When price shopping your coverage, quoting more increases the chance that you will find lower pricing. Not every company provides online Philadelphia NX 200t insurance quotes, so it’s necessary to compare rates from those companies as well.
The companies in the list below have been selected to offer quotes in Philadelphia, PA. If multiple companies are listed, it’s a good idea that you compare several of them to get the most competitive price.
Lower rates by qualifying for discounts
Buying insurance is not cheap, but there are discounts available that you may not even be aware of. Most are applied when you quote, but once in a while a discount must be asked about before being credited.
- Telematics Data Discounts – People who choose to allow their company to analyze driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on a single policy can reduce the rates for all insured vehicles.
- E-sign – A few insurance companies give back up to $50 for buying your policy on the internet.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 25 to 30%.
Discounts lower rates, but most discount credits are not given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount will bring down your policy cost.
To find companies that offer some of these discounts in Pennsylvania, click here to view.
Components of Your Lexus NX 200t Insurance Prices
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that aid in calculating the price you pay for car insurance. If you know what influences your rates, this allows you to make educated decisions that may result in lower premium levels.
The items below are most of the major factors companies use to determine your premiums.
- Annual mileage impacts rates – The more you drive each year the higher your rates will be. Almost all companies calculate prices based on their usage. Cars and trucks that sit idle most of the time can be on a lower rate level than those used for commuting. Having an incorrect usage rating on your NX 200t can result in significantly higher rates. It’s always a good idea to double check that your car insurance declarations sheet shows how each vehicle is driven, because it can save money.
- Fast cars cost more to insure – The performance level of the vehicle you need insurance for makes a substantial difference in your rates. Lower performance four cylinder passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
- Only buy what you need – There are a lot of extra add-on coverages that may not really be needed if you aren’t careful. Insurance for things like roadside assistance, towing coverage, and term life insurance may be costing you every month. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
- Cheaper prices for prior coverage – Driving with no insurance is not a good idea and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you fines and jail time.
- Is you job costing you more? – Jobs such as lawyers, airline pilots, and stock brokers tend to have higher rates than the rest of us due to stressful work requirements and lengthy work days. Conversely, jobs like professors, historians and performers have lower than average premiums.
- Safer occupants lowers prices – Vehicles that have high safety ratings can get you lower premiums. These vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
- Why do you need liability coverage? – Your car insurance policy’s liability coverage is the protection if you are found to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense which can cost a lot. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
- Urban areas may pay more – Being located in small towns and rural areas is a good thing when talking about car insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. People in densely populated areas tend to have much more traffic and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
Buying car insurance from Philadelphia car insurance agents
A lot of people would rather buy from a licensed agent and that can be a great decision One of the benefits of comparing rates online is that you can obtain lower rates and still have a local agent. Supporting neighborhood insurance agencies is especially important in Philadelphia.
To find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to agents in your area who will return price quotes for your car insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent instantly to you. You can get cheaper car insurance rates and a licensed agent to talk to. If for some reason you want to compare rates from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out their quote form.
If you would like to find a reputable agency, there are two different agency structures to choose from. Car insurance agents in Philadelphia are categorized either exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
These type of agents are not employed by one company so they can insure your vehicles with an assortment of companies depending on which coverage is best. If prices rise, your agent can just switch to a different company and you won’t have to switch agencies. When comparing rates, you definitely need to compare prices from a couple of independent agencies to have the most options to choose from. Many can place coverage with small regional insurance companies which may provide better rates.
Listed below are independent agents in Philadelphia that can possibly get you price quotes.
- Philadelphia Insurance Companies
231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900 – View Map - Savage Insurance Agency LLC
300 W Cheltenham Ave – Philadelphia, PA 19126 – (215) 224-4890 – View Map - HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map
Exclusive Insurance Agents
Agents of this type can only write with one company like AAA, Allstate, and State Farm. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained on the products they sell and that allows them to sell at a higher price point. Some people will only purchase coverage from exclusives mostly because of the brand rather than low rates.
The following is a list of exclusive insurance agencies in Philadelphia who can help you get price quotes.
- Sharon Owens – State Farm Insurance Agent
7034 Frankford Ave – Philadelphia, PA 19135 – (215) 333-5544 – View Map - Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100 – View Map - Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map
Choosing an insurance agency requires you to look at more than just the price. Ask your prospective agent these questions:
- How long have they been in business?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they get paid more for recommending certain coverages?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Where would glass claims be handled in Philadelphia?
After you get answers to your satisfaction to your questions as well as a affordable price, it’s a good possibility that you have found an insurance agency that can be trusted to provide car insurance coverage.
Car insurance can get complicated
When it comes to the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your financial needs are unique so your insurance should reflect that
Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.
- Where can I find DUI or SR-22 insurance?
- Can my teen driver be rated on a liability-only vehicle?
- Does coverage extend to a rental car in a foreign country?
- Do they offer discounts for home and auto coverage?
- Why do I have to buy liability insurance?
- Do I need roadside assistance coverage?
- Does liability extend to a camper or trailer?
- Am I covered if I break a side mirror?
- Am I covered if I back into my garage door?
- Is my dog or cat covered if injured in an accident?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
A conclusion for your auto insurance search
As you shop your coverage around, you should never reduce needed coverages to save money. There are a lot of situations where someone sacrificed full coverage only to regret that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford, but do not skimp to save money.
Lower-priced Lexus NX 200t insurance in Philadelphia can be bought both online and from local agencies, so you need to quote Philadelphia auto insurance with both to get a complete price analysis. A few companies may not provide rates over the internet and usually these small, regional companies only sell through independent insurance agents.
For more information, feel free to browse the articles below:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for Felons in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Rates for Good Students in Philadelphia? (FAQ)
- Who Has the Cheapest Auto Insurance for 16 Year Olds in Philadelphia? (FAQ)
- How Much are Auto Insurance Quotes for a 20 Year Old Female in Philadelphia? (FAQ)
- Who Has Affordable Philadelphia Car Insurance Quotes for a Ford Fusion? (FAQ)
- Rollover Crash FAQ (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)