If you’re trying to find an insurance agent in Allentown, PA, we recommend you start your research by comparing rates online in order to save time. You need a professional agent, but also the best price on car insurance.
Companies like Allstate, Liberty Mutual and State Farm all promote huge savings with ads and it is difficult to see past the geckos and flying pigs and find the best price available.
Local Allentown agents and car insurance
Good agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates but also keep your business local.
Upon completion of this simple form, your insurance coverage information is sent to local insurance agents in Allentown who will battle for your coverage. There is no need to visit any agencies due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.
Picking an insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- What is the agency’s Better Business Bureau rating?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they review policy coverages at every renewal?
- Do they regularly work with personal auto policies?
Two types of Allentown insurance agents
When looking for a reliable agent, there are two different agency structures that differ in how they can insure your vehicles. Allentown agents are classified as either independent (non-captive) or captive.
Captive Insurance Agents
These agents have only one company to place business with such as American Family, Liberty Mutual and AAA. They usually cannot place coverage with different providers so they have to upsell other benefits. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently purchase coverage from captives mostly because of the prominence of the brand and solid financial strength.
Listed below is a short list of captive insurance agencies in Allentown willing to provide price quotes.
- State Farm Insurance – 883 Oplinger Rd – Allentown, PA 18106 – (610) 395-4474
- Liberty Mutual Insurance – 6575 Snowdrift Rd – Allentown, PA 18106 – (610) 398-9800
- Allstate Insurance – 6750 Iroquois Trl # 3 – Allentown, PA 18104 – (610) 395-6100
Independent Agents (or Brokers)
Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s a good idea to contact several independent insurance agents for the best price selection. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
The following is a list of independent agencies in Allentown that are able to give price quote information.
- Bleiler Insurance – 615 N 20th St – Allentown, PA 18104 – (610) 435-3802
- R R Braun Insurance – 1501 S 4th St – Allentown, PA 18103 – (610) 797-5828
- John Yurconic Agency – 5910 Hamilton Blvd # 200 – Allentown, PA 18106 – (610) 770-6600
- A Agency Insurance and Notary – 1642 Union Blvd # L – Allentown, PA 18109 – (610) 432-2887
- Vincent Gerbasio Agency – 1649 Hausman Rd – Allentown, PA 18104 – (610) 398-7233
For a complete listing of car insurance agents in Allentown, go to this page.
Once you have positive feedback to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that is a good match to adequately provide car insurance.
But what about online car insurance?
Insurance agencies are a valuable resource, but you also have the option of buying direct online. Some companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy direct on their websites, and that can save time.
If you’re worried about not receiving proper advice when shopping online, that should not be a issue. Online car insurance companies provide phone numbers and online resources to walk you through the process.
The best approach to find out if prices are better online or from an agent is comparing rate quotes from both. Lots of times people will get different prices when comparing quotes online and from an agent for the same auto insurance company. But it’s difficult to know which method provides the best price until you actually compare rates for both.
Can you save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many factors which can adversely affect your policy premium. You may think that buying online saves money by not requiring a commission. In many cases, getting their brand in front of customers is expensive and that can cost more than having to pay agents.
One last thing
People switch companies for a variety of reasons including delays in paying claims, denial of a claim, unfair underwriting practices or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced collision coverage and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Even more information is located at the Pennsylvania Insurance Department website. Visitors are able to find disaster information, discover disciplinary actions, and find a variety of consumer forms.