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Mother_Show8790 OP t1_jea6avu wrote

Reply to comment by Throwawaystudent0101 in Auto Insurance Rate Increases 35% Seemingly Overnight, Allegedly Due To PA Rate Hike by Mother_Show8790

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.

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TransporterOffline t1_jeaxeuc wrote

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.

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emk544 t1_jebfrm4 wrote

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.

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