Price Comparisons for Pottsville Car Insurance Companies

To locate a licensed insurance agent in Pottsville, we recommend you begin your search using online quotes instead of making phone calls. You need a good agent that listens to you, and also decent rates too.

Multiple insurance agencies compete for your business, and it can be difficult to compare rates to get the lowest cost out there.

Car Insurance through a local Pottsville agent

Licensed agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is that you can obtain the best rates but still work with a licensed agent.

Upon completion of this quick form, your insurance coverage information gets sent to insurance agents in Pottsville who will compete to get your business. You don’t have to visit any agencies as quotes are delivered to the email address you provide. Now that’s easy!

Choosing an auto insurance agent should depend on more than just the bottom line cost. Some important questions to ask are:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are they properly licensed to sell insurance in Pennsylvania?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they feel the quoted coverages are adequate?
  • Is working in the agency their full-time job?

What type of Pottsville auto insurance agent is right for you?

When searching for a local agent, there are two types of insurance agents to choose from. Insurance agencies in Pottsville are categorized either captive or independent. While both can insure your vehicles, but it’s good to learn the difference between them since it can impact your agent selection.

Captive Insurance Agents

Captive agents are contracted to one company like State Farm, Allstate and AAA. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agencies are trained well on their company’s products which helps them sell insurance even at higher premiums.

Below is a short list of captive agents in Pottsville willing to provide price quote information.

Allstate Insurance Co – 123 Mahantongo St – Pottsville, PA 17901 – (570) 628-3300
State Farm Insurance – 477 N Claude A Lord Blvd – Pottsville, PA 17901 – (570) 622-5684

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. 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 comparing rates, you should always contact at a minimum one independent agency to get the best comparison.

The following are independent agents in Pottsville that are able to give comparison quotes.

Donald E Davis Insurance – 1766 W Market St – Pottsville, PA 17901 – (570) 622-4389
Higgins Insurance Agency – 115 S Centre St – Pottsville, PA 17901 – (570) 622-7775
Richard B Ryon Insurance – 200 E Norwegian St – Pottsville, PA 17901 – (570) 622-7200

For a full directory of Pottsville insurance agents, please view this page.

Once you have answers to your satisfaction to any questions you have as well as a affordable price, it’s possible that you found a car insurance agent that will provide car insurance coverage.

Are online companies an option?

Insurance agencies are perfect for certain consumers, but Pennsylvania drivers can also buy direct online. Some car insurance companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy online, and online price comparisons are easy if finding the best price is important.

If you’re apprehensive about not having an agent to talk to when buying direct, don’t let it bother you. Auto insurance companies all have toll-free customer service for getting questions answered.

Is online auto insurance cheaper? The answer is complex because there are so many things that influence your rates. Common logic is that purchasing direct online cuts out the agent as a middleman. But that assumption is generally incorrect because marketing their products costs a lot of money and this tends to eat up any savings.

find Pottsville insurance agents

For price-conscious consumers, the only way of knowing whether online companies or local agents have lower rates is to get price quotes for both. It’s fairly common that you receive different coverage costs for the exact same company if you compare an online quote to agent rates. But it’s difficult to know whether online or agents have the lower rates without quoting coverages both ways.

More detailed Pennsylvania car insurance information can be read at the Pennsylvania Insurance Department website. Visitors are able to discover disciplinary actions, report car insurance fraud, and file complaints about an insurance agent or broker.

A little work can save a LOT of money

Drivers who switch companies do it for a variety of reasons including poor customer service, being labeled a high risk driver, an unsatisfactory settlement offer or lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies can be pretty painless.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.