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Brandywine Insurance Group

2 Ponds Edge Drive
Chadds Ford, PA 19317

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Insurance Laws in Rural vs. Urban Areas

If you’ve recently moved to Chadds Ford from a busier urban area, know that the laws are pretty much the same throughout all of PA. Whether you live in Philadelphia or on a middle-of-nowhere plot of land or in a pleasant little small town like Chadds Ford, the law is technically the same wherever you go.

What changes is how you deal with your insurer, what kind of deals you can get, how much they’re going to charge you. How laws are enforced may change, as well. If a Philadelphia cop catches you without insurance, for instance, he’s not likely to make any exceptions in your case. In a small town, if he knows you, and knows you’re a safe driver, he might give you a pass, for now. That’s not something to count on, but it can happen.

One of the best things about living in a rural area or a small town is that your insurance rates are usually going to be lower across the board. If you’re a safe driver, that goes a lot farther in a small town than it does in the city. In the city, it doesn’t matter how safe you are, because you are at the mercy of every other driver on the road. In a small town, where you have a population that is generally skewing a little older, and you have fewer cars on the road in general, it’s just safer overall.

If you’re looking for a new policy now that you’ve moved to Chadds Ford, contact us, and we’ll get you all set up with some free quotes.