Tips for Searching for a Johnstown Insurance Agent

When pricing auto insurance in Johnstown, PA, there are a lot of options and finding the best Pennsylvania auto insurance agent is not as easy as just randomly choosing from the yellow pages. You require a good agent, and also want to find affordable rates.

With consumers having so many companies to choose from, it’s difficult to pick the best company.

Your local neighborhood insurance agent

Agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find better rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your information is sent to agents in your area who will compete for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go to your email. How’s that for easy!

Choosing an insurance agent requires more thought than just a cheap price. Any agent should have no problem answering these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Which company do they place the most coverage with?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • How long has their agency been open in Johnstown?

Listed below are agents in Johnstown who can help you get price quote information.

  • State Farm Insurance – 938 Mount Airy Dr # 203, Johnstown, PA 15904 – (814) 495-7631
  • East Hills Insurance – 440 Ferndale Ave, Johnstown, PA 15905 – (814) 266-8968
  • Watson Insurance – 1749 Lyter Dr, Johnstown, PA 15905 – (814) 255-4194
  • Gleason Agency Inc – 551 Main St # 204, Johnstown, PA 15901 – (814) 532-0200
  • Allstate Insurance – 576 Goucher St, Johnstown, PA 15905 – (814) 255-3565

For a full directory of Johnstown insurance agents, visit this link.

After getting good answers in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that can insure your vehicles.

Online companies should be in the mix

Car insurance agents are important to many people, but Pennsylvania car insurance can also be bought directly from online companies. Some companies who employ agents also give you the ability to buy direct on their websites, so this should also be taken into consideration if you don’t want to take the time to contact agents.

If you’re apprehensive about not having an insurance agent’s advice when buying online, this is normal but is quickly overcome. Auto insurance companies provide access to licensed agents you can use to get advice on coverages. They also have live help and 24/7 access to help you answer questions.

The only method to determine who has the best rates, online companies or local insurance agents, is to make apples-to-apples comparisons of both. You could possible even receive different price quotes from the same insurance company when using both online and agent quotes. But it’s impossible to know whether online or agents have the lower rates unless free rate quotes are compared utilizing both methods.

Are car insurance rates lower online? The answer is complex due to the large number of individual components that are calculated into your premium. Some people think that going direct saves money because there is no commission. For the majority of companies, however, getting their brand in front of customers is expensive and this drives up their premium costs.

Cheaper insurance is a realistic goal

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including questionable increases in premium, poor customer service, high rates after DUI convictions and even denial of a claim. Regardless of your reason, choosing a new insurance company is less work than it seems.

Additional Pennsylvania car insurance resources

More tips and info about auto insurance is located at the Pennsylvania Insurance Department website. Visitors are able to find out which companies have the most complaints, view a list of available companies, read industry bulletins, and read enforcement actions against agents and companies.

The following information may also be useful.