Best Learner Driver Car Insurance

Orihu Emmanuel

Learners car insurance can be pretty expensive since most learners have never driven a car before and are natural road risks when only starting out. It’s often a challenge to find a car insurance company that’s willing to lower premiums for learners, but it’s not impossible. Some companies can lower the cost of learners car insurance when their clients meet specific criteria. Here are some of them.

1. Using lower-grade cars with lots of safety features.

Lower-grade cars are those that use less fuel, cost less overall, and are generally easier to maintain. The best kinds of low-grade cars are the really small ones with tiny engine capacities. Using a low-grade car — such as a minivan — will earn you lower learner premiums than, say, a Ferrari. Besides, low-grade cars are much less of a hassle to maintain, so they’re good choices for learners.

More safety features will also keep your premiums low since they lessen the likelihood of you getting hurt in the event of an accident. You’ll have to admit that you don’t have much driving experience under your belt just yet, so you’re much more likely to get into a mishap than the next guy. Invest in a car with airbags, seat belts, and other safety features to lower your insurance costs.

2. Simply get more road miles, and insurance companies will look at you more

It may sound unfair that learners car insurance is much more expensive than car insurance for more experienced drivers, but insurance companies have a good reason for this — learners are three times more likely to get into an accident. But the more you drive, the more experience you get, and the more likely car insurance companies will concede with your requests for lower premiums.
Check with the car insurance companies if they give such “road miles” discounts — they may have different offers from other companies.

3. Visit more than one car insurance company.

Most car insurance companies offer special coverage for learners, but their premiums, rates, and other terms may vary widely. It’s best to visit all the car insurance companies you can and get free quotes for coverage of your specifications. That way you can find which insurance company has the best offer for you.

4. Getting the best deal.

The best place to find quotes for learners car insurance is on the Internet. Comparison sites allow you to search through a host of insurers to find the best deal but all comparison sites cover slightly different providers, so it pays to try them all.

Learner drivers car insurance is, in fact, an expensive necessity, but you can save money by taking advantage of these strategies and all available discounts offered by your insurance company.

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Best Auto Insurance Companies in Philadelphia, PA

Orihu Emmanuel

When you are looking for auto insurance in Philadelphia, you are required to have a minimum level of coverage in place. While it is every Philadelphia drivers goal to find the best Philly car insurance available it is also crucial to make sure that you have the proper coverage that is required by law before you begin your search.
Here are the minimums, as they apply to all PA residents:

• $15,000 in Bodily Injury Liability Coverage for a Single Person Injured in an Accident
• $30,000 for Two or More Injured People, Stemming from the Same Accident
• $5,000 in Property Damage Insurance
• $5,000 in Personal Injury Protection (PIP) Coverage

Bodily Injury Liability Coverage pays for medical and other expenses incurred by a person injured in an accident where you are the at-fault driver. Pennsylvania is a tort state, and you may be sued by the other driver to recover damages after an accident. While many drivers in PA have as their number one goal as that of finding the absolute cheapest Philadelphia auto insurance coverage possible, it is wise to make sure that one has adequate PA car insurance coverage – even if that means purchasing more than the state minimums.

Personal Property Damage Insurance is meant to cover the cost of repairing the other driver’s vehicle, plus damage caused to a building, shed mailbox, or street sign. A driver will buy Personal Injury Protection Coverage to provide benefits to pay medical bills after they are injured in an accident. If you already have an excellent medical insurance plan, you may not want or need to buy more than the minimum amount of PIP coverage. Uninsured Motorist/Underinsured Motorist insurance covers you if you are involved in an accident with a driver who either doesn’t have insurance or who doesn’t have enough insurance to compensate you for your medical and other costs. PA residents are not required to buy it, but it may be a good idea to at least consider adding it to the coverage you have.

Following are some of the best auto insurance Companies in Philadelphia, PA

• Progressive
• Foremost Insurance
• Nigro Insurance Agency
• Nationwide
• Laughlin

The companies listed above are some of the best auto insurance companies in Philadelphia, PA. They cater specifically to Philadelphia drivers, providing accurate coverage for their needs. Keep in mind, however, that the most well-known insurance company may not necessarily be the best. Many popular companies have large marketing and advertising budgets, giving them the upper hand. While it’s definitely worth your time to request quotes from these insurers, you may be able to find more comprehensive coverage or lower rates from less well-known companies. Compare the coverage and premium amounts from less popular companies so you can make sure that you’re going with the absolute best option.

Choosing the Best Car Insurance in Philadelphia, PA

The best insurance companies in Philadelphia, PA are well represented in this list of most popular providers. A number of considerations were taken when compiling this list, such as the types of coverage offered, premium rates, customer satisfaction, claim management, and the overall strength and credibility of the company. The ability to build a long-term, positive relationship with an insurance company is important. These companies have all demonstrated a history of dependable protection and deep-rooted commitment to good service, making them excellent companies to begin your search for car insurance.

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Must See: How to Report a Personal Injury to Your Car Insurance Company

Orihu Emmanuel

Personal injury cases usually come right after accidents. It cannot be avoided since there are bound to be damages and probably even some injuries that result from whatever accidents occur. If it happens to be a vehicular accident, then a personal injury case definitely becomes a genuine necessity.

The situation will definitely lead to making personal claimsa, which should be made during a specific period after the accident has happened. It is therefore essential that you know how to get your personal injury claim started.


Among the most important things to remember when starting out with your personal injury claim is that you must make careful notice of details. You need to make notes of all the relevant information about the accident.

This will help you tremendously as your claim goes underway, especially since you just can’t rely solely on memory – yours or anyone else’s. The notes that you will make should include significant details such as the damages caused by the accident, any injuries, medical bills, police reports, etc.

You need to take note of the physical evidence at the scene of the accident, as it can help shed some light on what really happened. There’s also the fact that it’s useful as proof in finding out the party that’s really liable or responsible for all the resulting damages and injuries. Remember that physical evidence of note has to be preserved.

Then you also need to notify your insurance company of the accident immediately. With car accidents, there is a need to inform both insurance carriers; yours and of the other party involved about your plan for filing a claim.

Since no accident occurs without anyone being at fault, you need to determine who’s actually responsible for it. The legal responsibility is the important thing to note here because if there were any laws violated then that shall specify the path that the case will take.

A decision should also be made on whether you actually need to get the services of an attorney. If the accident is something that is a little complicated – with plenty of people involved and considerable damages and injuries sustained, then getting legal help is undoubtedly warranted. If in the accident and subsequent personal injury case there happens to be some other parties involved, then you will need to communicate with the insurance company of that other party. You’ll need to do this in addition to making immediate contact with your own insurance company, just be sure to exercise caution as to the kind and amount of information that you are relating to that other insurance company.


Get the ball rolling as far as the process of making a claim is concerned. Remember though, that you are aware of the more important details of the accident – the total extent of injuries, the legal liability of the other party, any lost income, medical expenses, all other damages that you have suffered from the accident, and the exact amount that you are seeking in your claim.

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Which Cars Have The Cheapest Insurance Rates?

Orihu Emmanuel

Many people go out and choose a car to buy based solely on a handful of factors, such as the way it looks, safety ratings, engine power, handling, and perceived quality, and of course, price. However, a handful of cost-conscious and prudent buyers think even a bit further ahead, considering such factors as maintenance costs and the cost of car insurance.

One way to figure out the cost of insurance for each car model you are considering buying is to simply call up your insurance agent and rattle off your list of models. However, that is time-consuming, and it also means you have to keep going back to ask for more information if you get new car model ideas later.

A better way to shop for a car while keeping future insurance premiums in mind is to understand the factors that go into how insurance companies compute premiums based upon differences in car models.


If you are looking for the car models with the cheapest insurance rate, learn about these five factors that influence car insurance rates:

1. Lower cost equals low insurance premium:

Start by understanding this simple rule: cars that cost less to buy also tend to cost less to insure. So, while the price of the model you are considering will affect how much you pay for monthly auto payments, it will also affect the amount you pay in insurance.

2. The degree of car-driving pleasure:

Your insurance premiums will also be kept as low as possible if you find a car that is not known for being fun to drive. The more that the car is built to be fun to drive, the higher the rates. Sound like a cruel insurance industry trick? This rule of thumb actually has some very sensible underpinnings. Cars with more horsepower and sport-tuned suspension are going to be driven harder and more dangerously, on average. Think of the danger factor in mini-van vs. Porsche.

3. Profile of the average person who drives that car:

Insurance companies keep tabs on profiles of what the average driver of each given model is like. They base their rates in part on this profile. What drives up costs are profiles with factors like the tendency for driving during peak commuting hours, driving at night, and driving aggressively.

4. A car that ranks in terms of auto thefts:

Quite simply, cars that get stolen more often are more costly to insure. This makes sense, of course: the insurance company anticipates that there is a higher likelihood that your car will get stolen if you buy a frequently-stolen model. This means bigger dollar signs for your premiums.

5. Safety record and features:

Cars with a better safety record and which are equipped with more safety features naturally pose lower medical bill-related claims risks and, this will translate to a lower auto insurance premium for you to pay.

Keep these five factors in mind as you look for the car with the cheapest insurance rate for teens.

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