Lower Pricing from York Car Insurance Agents

To locate a good York agent, it’s recommended you do the preliminary legwork online to save time. We’re guessing you require not only a good professional insurance agent, but you also need the lowest possible price.

With independent agents, Allstate and State Farm all competing for business in York, consumers have a hard time knowing which will give you the cheapest rates and the best coverage. To begin, consumers can get online quotes in order to build a list of insurance agents to choose from.

Quote online but still have a local agent

Licensed agents can point out coverage gaps and give you someone to call. The best thing about comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. And supporting local insurance agencies is definitely important in York.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in York who will give you bids for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go straight to your inbox. How’s that for easy! Get lower rates without the usual hassles of price shopping.

Choose an insurance agent wisely

If you’re trying to find a good York insurance agent, you need to know there are two types of insurance agents to choose from. Agents are classified as either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When shopping rates, it’s a good idea to include price quotes from at least one independent agent to get the best comparison.

Shown below are independent agents in York willing to provide pricing information.

Collens Wagner and Agency Inc – 2900 Eastern Blvd – York, PA 17402 – (717) 757-4633
Glatfelter Agency – 221 W Philadelphia St – York, PA 17404 – (717) 852-8000
C H Workinger Insurance – 1440 E Philadelphia St – York, PA 17403 – (717) 848-1675
Yorco Agency Inc – 24 W King St – York, PA 17401 – (717) 848-1641
Rap Insurance – 2323 Carlisle Rd – York, PA 17404 – (717) 764-7055

Captive Insurance Agents

These agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so keep that in mind. They receive extensive training on the products they sell which can be an advantage.

Listed below are captive insurance agents in York that are able to give comparison quotes.

Allstate Insurance – 800 Edgewood Rd # 3 – York, PA 17402 – (717) 755-5858
Liberty Mutual Insurance – 180 Leaders Heights Rd # 4 – York, PA 17402 – (717) 741-5033
State Farm Insurance – 524 Greenbriar Rd # 1 – York, PA 17404 – (717) 767-4668

For a full directory of captive agencies in York, please view this page.

Selecting an insurance agent needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

  • Does the agency provide any after hours assistance?
  • How are claims handled?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they make recommendations based only on price?
  • Can glass repairs be made at your home?

Upon getting satisfactory answers for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agent that meets your needs to service your policy.

What about online companies that don’t use agents?

Auto insurance agents are important to many people, but Pennsylvania drivers can also buy direct from companies that only sell online. Some specific companies who have local York agents also allow you to get quotes and purchase online, and that is helpful and can also potentially find you lower rates.

If you’re anxious about not getting advice from an agent, this is expected but don’t let that bother you. Insurance companies provide access to licensed agents to help you decide which coverages are appropriate.

Is it cheaper to buy online? Whether or not you’ll save is impossible to say since there are so many factors that impact your final bill. Some people think that buying directly from the company saves money because there is no agent involvement. For the majority of companies, however, advertising and marketing take a lot of money and that can cost more than having to pay agents.

quotes for York Pennsylvania insurance

More effort can pay off

The cheapest car insurance is attainable both online as well as from independent agents in York, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, poor customer service, questionable increases in premium or even not issuing a premium refund. No matter why you want to switch, finding a new company can be easier than you think.

For more reading

More information is available on the website for the Pennsylvania Insurance Department. Click here for link. Pennsylvania consumers can find out which companies have the most complaints, learn about specific coverages, file complaints about a company, and file complaints about an insurance agent or broker.

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