If you’re looking for a licensed insurance agent in Hazleton, we recommend you start your research using online quotes to save yourself time. Chances are you’re wanting a decent agent, but also affordable coverage.
With companies like State Farm, Allstate and many independent agents all competing for business in Hazleton, it’s hard to tell which one will give you the best service and rates. Thankfully, consumers can get online quotes in order to build a list of insurance agents and price estimates.
How to buy car insurance from an agent in Hazleton
Good agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of price shopping on the web is you can get better rates but still work with a licensed agent. And supporting local businesses is especially important in Hazleton.
By using this form (opens in new window), your information is sent to local insurance agents who will return price quotes for your insurance coverage. You never need to leave your house since price quotes are sent immediately to your email address. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Two different types of insurance agencies
When finding a reliable agent, you need to know there are two different types of agents from which to choose. Agencies in Hazleton are categorized either captive or independent.
Independent Agents (or Brokers)
Independent agents are not employed by any specific company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.
When searching for an agent, it’s recommended you contact multiple independent agents for the best price selection. Most have the option of insuring with lesser-known insurance companies which can save you money.
The following are independent insurance agencies in Hazleton that can give you price quotes.
- Prudential Insurance Co – 996 E Chestnut St – Hazleton, PA 18201 – (570) 455-6066
- Brugger Agency Inc – Valmont Pkwy – Hazleton, PA 18202 – (570) 459-0976
- Stasko Agency – 518 N Church St – Hazleton, PA 18201 – (570) 454-4300
- Clarence Yatsko Insurance – 582 Alter St – Hazleton, PA 18201 – (570) 454-2404
Captive agencies work for only one company such as State Farm, AAA and Liberty Mutual. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are very knowledgeable in insurance sales which can be an advantage. Consumers frequently choose to use a captive agent partially due to high brand loyalty and strong financial ratings.
Below are Hazleton captive agents willing to provide price quote information.
- Allstate Insurance – 1000 N Sherman Ct – Hazleton, PA 18201 – (570) 454-1981
For a full directory of car insurance agents in Hazleton, click here to link.
Selecting a car insurance agent should depend on more than just the price. Some important questions to ask are:
- Are you getting all the discounts the company offers?
- Do they make recommendations based only on price?
- Are claims handled at the agent’s location?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much can you save by raising your physical damage deductibles?
- What insurance companies do they recommend if they are an independent agent?
- Do they assist clients in filing claims?
- Do they regularly work with personal auto policies?
After getting positive responses to your questions as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to insure your vehicles.
Does buying direct online save money because there is no agent?
Local insurance agents are a valuable resource, but Pennsylvania car insurance can also be bought from online companies direct. Some car insurance companies who sell through the agent channel also give you the option to buy direct online, and consumers should do that if you are the do-it-yourself type.
If you’re apprehensive about whether or not you’ll have guidance when shopping online, this is a normal reaction for first-time shoppers. Companies have toll-free phone numbers and other options for getting advice on proper coverages.
The only way to determine where you can get the lowest rate, either online or from agents, is to take the time to compare rates from both. You could possible even receive different price quotes from online quotes as compared to agent rates from the SAME company. It’s difficult to tell which has the best rates without quoting coverages each way.
Will buying online save you money? The answer is complex because there are a lot of things that are calculated into your premium. Common sense would say that shopping direct saves money because there is no commission. In reality, there are very high advertising costs and this drives up their premium costs.
Learn more about car insurance in Pennsylvania
Much more information about car insurance in Pennsylvania is available on the Pennsylvania Insurance Department website through this link. Visitors are able to read consumer alerts, read state legal mandates and laws, view a list of available companies, and read industry bulletins.
Other related articles:
- Hazleton Pennsylvania Car Insurance Savings the Companies Dont Want You to Know About
- Things You Must Know Before Finding Hazleton, PA Auto Insurance Online
Summing up your car insurance search
Insureds leave their current company for a variety of reasons including delays in responding to claim requests, policy cancellation, an unsatisfactory settlement offer and even lack of trust in their agent. Regardless of your reason, choosing a new company can be easier than you think.
When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.