Lower Pricing from Philadelphia Pennsylvania Auto Insurance Companies

When searching for an insurance agent in Philadelphia, PA, it’s recommended you begin your search by getting online comparison quotes rather than looking in the yellowpages. You require a professional agent, and also the lowest rates for auto insurance in Philadelphia.

Companies like Progressive, State Farm and GEICO continually bombard you with TV and radio ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

Car Insurance through a local Philadelphia agent

Agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of price shopping on the web is that you can obtain better rates but still work with a licensed agent.

By using this form (opens in new window), the coverage information is immediately sent to participating agents in Philadelphia who will compete for your business. You never need to leave your house since price quotes are sent directly to your email. How cool is that?! Get lower rates AND a local agent.

Deciding on a car insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:

  • What insurance companies do they work with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are there any discounts that you might be missing?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do the coverages you’re quoting properly cover your vehicle?

The following is a short list of auto insurance agents in Philadelphia who can help you get comparison quotes.

  • Allstate Insurance – 6541 Roosevelt Blvd, Philadelphia, PA 19149 – (215) 288-2400
  • Jim Daly Insurance Inc – 7148 Frankford Ave, Philadelphia, PA 19135 – (215) 333-5400
  • Pierce Insurance Svc – 554 N 63rd St, Philadelphia, PA 19151 – (215) 474-6409
  • Liberty Mutual Insurance – 111 S Independence Mall E, Philadelphia, PA 19106 – (215) 925-7915
  • State Farm Insurance – , Philadelphia, PA 19115 – (215) 677-6655
  • Starway Agency Inc – , Philadelphia, PA 19103 – (215) 557-3776

To view a complete directory of auto insurance agents in Philadelphia, go to this page.

Upon getting answers to your satisfaction to all your questions and locked in a price quote, most likely you have located an insurance agent that can properly service your auto insurance policy.

When should I use an insurance agent?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Is Pennsylvania a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage when making deliveries for my home business?
  • What if I don’t agree with a claim settlement offer?
  • Do I need roadside assistance coverage?
  • How much liability coverage do I need in Pennsylvania?
  • Why is insurance for a teen driver so high in Philadelphia?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent.

What about online companies that don’t sell through insurance agents?

Insurance agents serve a purpose, but you also have the option of buying Pennsylvania car insurance from online companies direct. Some specific companies who have local agents in Philadelphia also allow consumers to get a quote and buy online, so this should also be taken into consideration if you want to do it yourself.

If you’re concerned about not having an insurance agent’s advice when shopping online, that shouldn’t be an issue. Online companies that allow you to purchase coverage provide toll-free numbers to answer your questions.

Are online rates lower? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many factors that influence the price you pay. Some people will tell you that buying direct saves money because there is no agent involvement. But truthfully, advertising budgets are huge and that can cost more than having to pay agents.

Buy online or local, you save

Consumers change insurance companies for a variety of reasons including high prices, poor customer service, policy non-renewal or unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

Discount auto insurance is available online in addition to many Philadelphia insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

More tips and info about auto insurance is available at the Pennsylvania Insurance Department website. Visitors are able to find disaster information, read industry bulletins, learn about specific coverages, and read consumer alerts.

Philadelphia insurance cheap

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