If you own an automobile you might have already heard of auto insurance. You may or may not know very much about auto insurance Philadelphia. Many people have auto insurance in order to comply with their state laws but they don’t really understand it or know that much about it. There are lots of variables that come into play when you are dealing with this type of insurance that can affect how much you pay for your premiums. There are actually huge variations in the rates depending on some factors that you may not be aware of. There are also safety and other discounts that can help you if you qualify for any of them.