Cheap car insurance in Philadelphia relies heavily on a number of factors. A Pennsylvania car insurance company will ask questions and request information about:
o Your driving record (number of points, violations, at-fault accidents)
o Your gender, age, and the number of years you've been driving (older females with several years driving experience tend to get the cheapest rates)
o Your vehicle (make, model, year, additional safety and anti-theft features)
o Your location (high crime rate, low crime rate)
o Where you store your vehicle when not driving it (especially important if you live in an area with a high crime rate)
o Your credit history (which may take a year or so to repair if it's not quite impressive)
Cheap car insurance in Philadelphia is affected by these factors, but drivers can change several of them. For example, you can move to a safer neighborhood or begin storing your vehicle in a safer place; purchase a safer vehicle or add safety features to your existing vehicle; and work on improving your driving record and credit score.
You'll just have to wait for some factors to change on their own, though. You'll ever grow older, and you'll begin to rack up years of driving experience as you grow older. Pennsylvania car insurance companies view older, more experienced drivers as being less risky to insure than younger, less experienced drivers. Do not worry though – once you get a few years experience and age behind you, you'll have a better chance at cheap car insurance in Philadelphia.
One factor can not be changed: your gender. Sure, you can undergo a sex change operation, but doing so in order to get cheap car insurance in Philadelphia? It's highly unlikely this is a route you'll take. Based on statistics, female drivers are safer drivers than male drivers. Do not be discouraged: just because you're male does not mean you can not be viewed as a safe driver, too.