How to Compare Car Insurance Rates From Hermitage Insurance Agencies

Finding good car insurance in Hermitage can be challenging since choosing the right Hermitage insurance agency is harder than just using the same insurance agent as your neighbor. The chances are good you’re looking for a professional agent, but you also want to find the best rates possible.

With independent agents, Allstate and State Farm all competing for your business, it’s hard to tell which auto insurance agent will give you the cheapest rates and the best coverage. Fortunately, consumers can use online quotes to assemble a group of agents from which to choose.

Shop online but buy locally

Licensed agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of getting online price quotes is you may find the lowest rates and still choose a local agent. And providing support for local businesses is definitely important in Hermitage.

For easy comparison, once you complete this short form, the quote information is transmitted to agents in your area who will return price quotes for your insurance coverage. There is no need to leave your house as quotes are delivered to the email address you provide. Now that’s easy! Get lower rates AND a local agent.

Insurance agent types

When looking for a good insurance agency, there are two different agency structures to choose from. Hermitage agents are classified as either captive or independent.

Independent Agencies or Brokers

These agents are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with smaller companies which can save you money.

Listed below is a list of independent agents in Hermitage that are able to give price quotes.

  • Allen Agency Inc-Pennsylvania – 3775 E State St – Hermitage, PA 16148 – (724) 346-4121
  • Sonny Gruber Insurance Inc – 35 Stone Ridge Blvd – Hermitage, PA 16148 – (724) 346-2129
  • Basile Agency – – Hermitage, PA 16148 – (724) 981-4404
  • Robert D Russo Insurance – – Hermitage, PA 16148 – (724) 981-3630
Captive Agents

Captive insurance agents have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so keep that in mind. Captive agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent partially due to the brand legacy and strong financial ratings.

Shown below is a short list of captive agents in Hermitage who can help you get rate quotes.

  • State Farm Insurance – 161 N Hermitage Rd – Hermitage, PA 16148 – (724) 981-8351
  • Allstate Insurance – 689 N Hermitage Rd – Hermitage, PA 16148 – (724) 981-8110

To view a full list of car insurance agents in Hermitage, visit this link.

Deciding on an insurance agency requires more thought than just a low price. Agents should be asked these questions:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Can they give you a list of client referrals?
  • If you have an accident, will your rates go up?
  • Which company do they place the most coverage with?
  • Do they specialize in personal lines coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agency have a good rating with the Better Business Bureau?

Once you have received positive feedback for all questions you ask and an affordable coverage quote, chances are good that you have found a car insurance agent that meets your needs to insure your vehicles.

Can you find lower rates by buying online?

Insurance agents are a valuable resource, but you can also find affordable Pennsylvania auto insurance direct from companies online. Certain companies like Allstate and State Farm who sell through agents in Hermitage also permit you to buy direct on their websites, so keep that in mind.

If you’re uneasy about choosing your own coverages, that shouldn’t be an issue. All companies that require consumers to choose their own coverages all have toll-free customer service that you can contact for information. Additionally, most companies also offer live help and 24/7 access to clarify any questions you may have.

Are online rates lower? That question is hard to answer because there are many components that impact your final bill. Common logic is that buying direct reduces premiums because there is no agent. In many cases, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

More Pennsylvania car insurance resources

Much more information about car insurance in Pennsylvania can be read on the Pennsylvania Insurance Department website through this link. Visitors are able to find a variety of consumer forms, read consumer alerts, find out industry alerts, and view agent and company licensing information.

One last thing about your coverage

People change insurance companies for a variety of reasons including denial of a claim, being labeled a high risk driver, delays in paying claims and even high prices. Whatever your reason, choosing a new insurance company can be pretty painless.

Affordable car insurance can be purchased online and with local Hermitage insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer online quoting and these small insurance companies work with independent agents.