Comparing car insurance companies in Greensburg, PA can be challenging because you have many choices and choosing the right Greensburg car insurance agent is not as easy as just making a phone call. You need an excellent agent, and also competitive car insurance rates.
Lots of insurance agents contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.
Online quotes with a local Greensburg insurance agent
Good agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find lower rates but still work with a licensed agent.
Upon completion of this quick form, your insurance data is submitted to participating agents in Greensburg who will give you bids for your business. There is no reason to leave your house due to the fact that quote results will go directly to your email. How cool is that?!
Choosing an insurance agency requires more thought than just the bottom line cost. Here are some questions to ask:
- What insurance companies do they recommend if they are an independent agent?
- How long have they worked with personal auto insurance coverage?
- Can they give you a list of client referrals?
- If your car is totalled, how to they determine the replacement cost?
- If you have an accident, will your rates go up?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
- What are the financial ratings for the companies they represent?
Greensburg auto insurance agents are either independent or captive
When researching a reputable insurance agent or broker, there are a couple of types of agencies from which to choose. Agents are either captive or independent. Either one can insure your vehicles, but it’s good to learn the differences since it can impact the selection process.
Captive insurance agents are contracted to one company such as American Family, State Farm and Allstate. They are unable to shop your coverage around so it’s a take it or leave it situation. Captives are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Below are Greensburg captive insurance agencies who may provide you with rate quotes.
State Farm Insurance – 440 Pellis Rd # A2 – Greensburg, PA 15601 – (724) 850-2300
Allstate Insurance – 841 E Pittsburgh St – Greensburg, PA 15601 – (724) 834-5650
Independent Insurance Agents
Independent agents do not work for one specific company but rather can write business with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, it’s a good idea to include at least one independent agent to get the best comparison.
Below is a list of independent agents in Greensburg willing to provide price quote information.
Dave Mayher Agency – 650 S Main St – Greensburg, PA 15601 – (724) 837-5250
Kattan-Ferretti Insurance – 1000 Tower Way # 1001 – Greensburg, PA 15601 – (724) 832-2525
William N Tuscano Insurance – 950 Highland Ave – Greensburg, PA 15601 – (724) 836-1510
To view a complete directory of car insurance agents in Greensburg, simply jump to this page.
After receiving reasonable responses for all questions you ask and an affordable coverage quote, it’s possible that you found an insurance agency that meets your needs to service your policy.
Does buying direct online cost less?
Licensed agents are indespensible for some people, but you can also buy Pennsylvania car insurance from online companies direct. Certain companies, such as Farmers Insurance and State Farm, who employ agents also allow you to quote and buy online, and consumers should do that if finding the best price is important.
If you’re uneasy about selecting your own policy coverages, this is expected but don’t let that bother you. Auto insurance companies give you access to trained agents to answer any questions you may have. Many online companies also provide live chat and online tools to clarify any questions you may have.
Do customers save by switching to an online company? That is a tough question to answer because there are many components that impact your premium. It would make sense to think that going direct saves the cost of an agent commission. In many cases, it’s expensive to advertise so the rates may be similar to buying from an agent.
For more reading
More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, and read consumer alerts.
Compare but don’t skimp
Discount car insurance can be sourced from both online companies and also from your neighborhood Greensburg agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
Drivers switch companies for a variety of reasons including denial of a claim, high prices, poor customer service or delays in responding to claim requests. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.