To find a licensed insurance agent in Harrisburg, you can always begin your search by getting online comparison quotes instead of making phone calls. You require a great agent that can assess your needs, and also the best possible price.
Numerous insurance agents battle to insure your vehicles, and because of this it can be hard to compare insurance agents and get the best coverage at the best rate
How to buy car insurance from an agent in Harrisburg
Professional agents can point out coverage gaps and help in the event of a claim. One of the great benefits of comparing rates online is you may find better rates but also keep your business local.
To help locate an agent, after submitting this simple form, your information is sent to participating agents in Harrisburg who will return price quotes for your insurance coverage. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.
Selecting an insurance agency requires more thought than just a cheap price. These questions are important to ask:
- Do they specialize in personal lines coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- What is the agency’s Better Business Bureau rating?
- Does the agency support the community they serve?
- Do they review policy coverages at every renewal?
- Do they assist clients in filing claims?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
What types of auto insurance agents are in Harrisburg?
When looking for a good insurance agency, there are two different types of agents to choose from. Agents are either captive or independent (non-captive).
Captive Insurance Agents
This type of agents have only one company to place business with and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so keep that in mind. Captive agencies are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes buy insurance from these agents mainly due to the brand legacy and solid financial strength.
Listed below is a short list of captive agencies in Harrisburg that can give you rate quotes.
- Allstate Insurance Co – 6345 Flank Dr – Harrisburg, PA 17112 – (717) 540-7588
- State Farm Insurance – 900 Eisenhower Blvd # D – Harrisburg, PA 17111 – (717) 939-0421
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we recommend you get quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with different regional companies which can save you money.
Shown below are Harrisburg independent agents who can help you get rate quotes.
- Murdoch Insurance and Investment – 4614 Derry St – Harrisburg, PA 17111 – (717) 564-7071
- Professional Liability Agency – 2213 Forest Hills Dr # 3 – Harrisburg, PA 17112 – (717) 526-8420
- Alan Hostetler Insurance – 300 S Progress Ave – Harrisburg, PA 17109 – (717) 657-3141
- Dennis Walpole Agency – 1030 Maclay St – Harrisburg, PA 17103 – (717) 230-9306
- Joseph Mattus Agency Inc – 3820 Union Deposit Rd # A – Harrisburg, PA 17109 – (717) 545-2626
For a full directory of licensed insurance agents in Harrisburg, visit this link.
Once you have received acceptable answers to any questions you have and a good coverage price, you’ve probably found an auto insurance agent that will properly service your car insurance policy.
Also consider buying direct
Insurance agents can be invaluable at times, but Pennsylvania drivers can also buy direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who have local agents in Harrisburg also permit you to buy online. This is something to consider.
If you’re concerned about not having professional advice when buying online, that is normal but is not a big issue. Auto insurance companies that allow you to purchase coverage have toll-free phone numbers and other options for getting the best coverage.
The only way to know whether prices are lower online or from agents is to compare price quotes from both. Even though it sounds odd, people frequently get different pricing from agents as you do online from exactly the same company.
Is online auto insurance cheaper? The answer to that question is complicated because there are a lot of things that influence how your policy is priced. Some people will tell you that purchasing direct online lowers rates due to not having any agent compensation. In reality, the cost of constant advertising is expensive and that impacts the rates consumers pay.
Additional detailed information can be read at the Pennsylvania Insurance Department website. Visitors are able to read state legal mandates and laws, find out which companies have the most complaints, and read consumer alerts.
The articles below may also help you learn more about car insurance in Harrisburg
More comparisons equals lower rates
Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, policy cancellation or even denial of a claim. Regardless of your reason, switching companies can be easier than you think.
As you shop your coverage around, make sure you don’t reduce needed coverages to save money. In many cases, someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.