Different states have different laws regarding insurance policies. When it comes to Philadelphia auto insurance, the law states a minimum requirement for certain coverage. Of course, every driver would want the best deal with their Philadelphia car insurance so that they are able to get their moneys worth, but at the same time it is important to keep in mind the requirements set forth by the law. Just so you know, here are the minimum requirements for Philadelphia auto insurance. First requirement for your Philadelphia auto insurance is that you have bodily injury liability coverage which covers the medical bills and expenses for any injured person due to an accident wherein you are the one found to be at fault. The minimum amount for this coverage that would involve a single person who was injured is at fifteen thousand dollars. On the other hand, if two or more people are injured in an accident wherein you are at fault, the minimum amount for that coverage is at thirty thousand dollars. This means that Philadelphia auto insurance is a must. Another thing you can do when it comes to finding cheaper Philadelphia car insurance policies is to visit the different Philadelphia auto insurance companies one by one and get their quotes. From there you will see the different prices and what you can get. By comparing these quotes, you can find a company which will offer you an insurance policy which you feel comfortable with and one that you can afford. Lastly, when you enter the doors of any insurance company, you need to have prepared a budget in mind, or else you may end up with an insurance policy that may have all the coverage and every benefit there is but you wont be able to afford Philadelphia car insurance. It is worth mentioning that you try and get uninsured motorist or underinsured motorist coverage even though this is not a requirement for your Philadelphia car insurance. This policy pays for the damages and expenses when you are involved in an accident with a motorist who doesnt have enough insurance to pay for the damages or doesnt have any insurance at all. If youre careful then youll need Philadelphia car insurance. However, Philadelphia auto insurance is a bit expensive. You would pay a thousand dollars or more a year for this investment. Some ways to keep the rates low and the benefits high is to compare the quotes from various companies. Another way is to keep your drivers record clean as a whistle.