Online Tools to Find an Auto Insurance Agent in Mckeesport

To locate an insurance agent in Mckeesport, Pennsylvania, you can always do an initial search by comparing prices online rather than picking up the phone. It’s assumed you’re looking for a good agent that listens to you, but also the lowest possible price.

With Allstate, Farmers and State Farm as well as independent agents having local Mckeesport offices, consumers have a hard time knowing which will provide you with the best rates, service and coverage. To help decide, consumers can use insurance quotes online to get a list of insurance agencies to choose from.

Mckeesport agents and online quotes

Professional agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find better rates but also keep your business local. Buying from local agencies is important particularly in Mckeesport.

After completing this simple form, your information is submitted to participating agents in Mckeesport who will compete for your business. There is no reason to even leave your home because quoted prices will be sent immediately to your email address. How’s that for easy! Get lower rates and a licensed agent to work with.

What types of car insurance agents are in Mckeesport?

If you’re trying to find a good Mckeesport insurance agent, you need to know there are two types of agencies to choose from. Agents can either be captive or independent (non-captive).

Independent Insurance Agents

Independent agencies are not required to write business for one company but rather can write business with lots of companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When comparing rates, it’s a good idea to contact several independent insurance agents for maximum quote selection.

The following is a short list of independent agents in Mckeesport who can help you get pricing information.

Julius J Lenart Agency Inc – 502 5th Ave # 309 – Mckeesport, PA 15132 – (412) 672-6666
Lee Agency – 1629 Lincoln Way – Mckeesport, PA 15131 – (412) 678-8608
Wilson Baum Agency Inc – 314 Long Run Rd – Mckeesport, PA 15132 – (412) 751-2200
Mary Ann Schwartz Insurance – 2302 James St – Mckeesport, PA 15132 – (412) 751-1573
Cincinnati Insurance Co – 952 Elizabeth St – Mckeesport, PA 15133 – (412) 896-0044

Captive Agents

These agents work for only one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they have to upsell other benefits. Captives are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a list of captive agencies in Mckeesport willing to provide price quote information.

State Farm Insurance – 4400 Walnut St – Mckeesport, PA 15132 – (412) 751-3777
Allstate Insurance – 4304 Walnut St # 8 – Mckeesport, PA 15132 – (412) 751-0888

For a complete listing of captive agents in Mckeesport, view this link.

Deciding on an insurance agent needs to be determined by more than just the price. Here are some questions to ask:

  • Can glass repairs be made at your home?
  • Are they properly licensed to sell insurance in Pennsylvania?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are they full-time agents?
  • Who are their largest clients?
  • Are claims handled at the agent’s location?

Once you have received answers to your satisfaction to these questions as well as a affordable price, you have narrowed it down to an auto insurance agent that can properly service your car insurance policy.

Alternatives to local agents

Car insurance agents are important, but you can also buy Pennsylvania car insurance from companies direct over the internet. Some car insurance companies who have local agents in Mckeesport also give you the ability to quote and buy online, so that should be considered if you want to do it yourself.

If you’re apprehensive about having to choose coverages yourself, don’t be too concerned. Car insurance companies all have toll-free customer service to answer your questions.

Does buying online save money? It’s difficult to provide an answer since there may be dozens of rate factors that influence the price you pay. You may think that going direct saves money by not requiring a commission. In many cases, advertising and marketing take a lot of money and this tends to eat up any savings.

When shopping for low rates, the only way to find out if prices are better online or from an agent is to make apples-to-apples comparisons of both. You could possible even receive different price quotes when using both online and agent quotes from exactly the same company. You won’t discover which has the best rates unless you compare quotes for identical coverages each way.

Final thoughts

People switch companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, not issuing a premium refund or even policy non-renewal. Regardless of your reason for switching companies, finding a new car insurance company is not as difficult as it may seem.

As you prepare to switch companies, never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate.

Additional information can be found on the website for the Pennsylvania Insurance Department through this link. Pennsylvania consumers can discover disciplinary actions, get help finding coverage, and read state legal mandates and laws.

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