Butler Insurance Agents – Use Online Tools to Find the Right One

When finding an insurance agent in Butler, PA, you can always start your search by comparing rates online rather than picking up the phone. You need a highly trained agent, and also the cheapest rates you can possibly find.

Many insurance agents compete to insure your vehicles, so it’s not easy to compare every auto insurance agent to discover the definitive best rate

How to compare Butler auto insurance rates

Professional agents can point out coverage gaps and give you peace of mind. One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to.

Upon completion of this quick form, your insurance coverage information gets sent to local insurance agents in Butler who will battle to get your business. You won’t need to leave your computer since price quotes are sent directly to your email. How’s that for easy!

Picking an insurance agency requires more thought than just the price. Some important questions to ask are:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How many years of experience in personal lines insurance coverages do they have?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do the companies they represent have a solid financial rating?
  • Does the agency provide any after hours assistance?
  • Does the agency support the community they serve?
  • What insurance companies do they work with?
  • How are they compensated?

The type of insurance agency you choose is important

If you’re trying to find a good Butler insurance agent, you need to know there are two different types of agents that you can select. Butler agents can either be independent (non-captive) or captive. Either one can write coverage properly, but it’s worth mentioning how they are different since it can impact buying decisions.

Agency Captives

Captive agents can only place business with one company and some examples include AAA, Allstate and State Farm. They usually cannot provide prices from multiple companies so keep that in mind. These agents are well schooled on the products they sell which helps them compete with independent agents.

Shown below are captive agencies in Butler that can give you comparison quotes.

State Farm Insurance – 1025 New Castle St – Butler, PA 16001 – (724) 287-1046
Allstate Insurance – 405 Hansen Ave – Butler, PA 16001 – (724) 282-9476

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, you should always include at a minimum one independent agency to have the most options to choose from.

Shown below is a list of independent agents in Butler who can help you get rate quotes.

Richard Kotch Agency – 293 Evans City Rd – Butler, PA 16001 – (724) 285-1164
Paul S Critchlow Insurance – 1665 N Main Street Ext – Butler, PA 16001 – (724) 283-3850
Joseph B Bandura Insurance Inc – 1775 N Main Street Ext – Butler, PA 16001 – (724) 287-3743
Mc Candless Agency Inc – 115 E Cunningham St – Butler, PA 16001 – (724) 287-1711
Rober B Minich Agency – 230 Mercer St – Butler, PA 16001 – (724) 285-3743

To view a full list of auto insurance agents in Butler, please click here.

Once you have good answers for all questions you ask and locked in a price quote, you may have just found an auto insurance agent that meets your needs to provide auto insurance coverage.

Don’t exclude online companies

Car insurance agents are indespensible for some people, but Pennsylvania car insurance can also be bought direct over the internet. Some specific companies like Allstate and State Farm who have local Butler agents also allow you to buy a policy online, and consumers should do that if you’re trying to lower your rates.

If you’re worried about not having someone to ask questions when shopping online, this really isn’t an issue. All companies all have toll-free customer service to walk you through the process. Many online companies also provide live chat and online tools so buying online is not difficult.

Are car insurance rates lower online? The answer to that question is complicated since there are so many components that impact your final bill. Some people think that buying online lowers rates due to not having any agent compensation. For the majority of companies, however, promoting brand recognition is pricey so the lack of a commission may be a wash.

Butler PA insurance agents

The best way to determine whether online companies or local agents have lower rates is getting rates for as many of both types of providers as possible. You may actually get a different price from the SAME company when using both online and agent quotes.

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to read industry bulletins, report car insurance fraud, read state legal mandates and laws, and get help finding coverage.

One last thing about your coverage

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured cut liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

People leave their current company for a number of reasons such as high prices, policy non-renewal, high rates after DUI convictions and being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company is not as difficult as it may seem.