Throwawaystudent0101 t1_jea59ci wrote on March 30, 2023 at 3:08 PM

An independent agent can get you a better deal. I work in insurance though for a PA company, Philly is a tough venue and one the companies don't really like having policies in. Loss costs are just much higher there than the more suburban counties in PA.

Mother_Show8790 OP t1_jea6avu wrote on March 30, 2023 at 3:15 PM

Totally get that, but I’ve lived in Philly for over a decade. I am now in the outer city limits/suburbs as well and used to be downtown. Never paid anywhere close to what they are now asking.

TransporterOffline t1_jeaxeuc wrote on March 30, 2023 at 6:11 PM

If you weren't already aware, rates are pretty much a combo of your claims history, credit profile, and ZIP code. I have learned the hard way about what happens moving literally just one ZIP code over from another. Hopefully you're able to shop around either on your own or through a broker. Mine went up 18% this past year and I'm almost at the shopping around point myself.

emk544 t1_jebfrm4 wrote on March 30, 2023 at 8:07 PM

I'm in the outer city limits of Philly as well. I had a good experience going with a broker, Jefferson Avenue Insurance out of Lafayette Hill, PA, for both auto and home insurance. Previously I had cross-shopped on my own and my quotes were wildly different depending upon what company I went with. I think they just hate Philly.