Top Tips to Find a Car Insurance Agent in Bethlehem

Finding good auto insurance in Bethlehem can be challenging since choosing the right Bethlehem car insurance agent takes more work than just using the same insurance agent as your neighbor. You require a good professional insurance agent, but also need decent rates too.

There are many auto insurance agents to pick from, and although it’s a good thing to have a selection, having more insurance agencies makes it harder to get the best deal.

Online quotes with a local Bethlehem insurance agent

Good agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to.

Upon completion of this simple form, your insurance data is immediately sent to local insurance agents who will give you bids to get your business. You don’t have to leave your computer since price quotes are sent directly to your email. How’s that for easy!

Deciding on an insurance agency requires more thought than just the price. Some important questions to ask are:

  • Do the companies they represent have a solid financial rating?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • If your car is totalled, how to they determine the replacement cost?
  • Does the agency support the community they serve?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they feel the quoted coverages are adequate?

Different types of Bethlehem insurance agencies

When searching for a good Bethlehem insurance agent, there are two types of agencies from which to choose. Insurance agencies in Bethlehem are classified as either independent (non-captive) or captive. Both types can do a good job, but it’s important to know how they differ because it can impact the type of agent you choose

Captive Insurance Agents

Captive agencies have only one company to place business with such as American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so keep that in mind. Captive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents primarily because of the brand legacy and the convenience of having all coverages with one company.

Below are captive agents in Bethlehem who can help you get comparison quotes.

  • State Farm Insurance – 248 Brodhead Rd – Bethlehem, PA 18017 – (610) 317-7520
  • Allstate Insurance – 3639 Bath Pike – Bethlehem, PA 18017 – (610) 694-9860
Independent Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, we recommend you get quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with different regional companies which can be an advantage.

The following is a list of independent insurance agencies in Bethlehem who can help you get comparison quotes.

  • GCF and K Insurance Svc Inc – 1429 W Broad St – Bethlehem, PA 18018 – (610) 868-3801
  • Brion Agency – 602 W Broad St – Bethlehem, PA 18018 – (610) 865-9001
  • Gallagher-Phillipeck Insurance – 2650 Schoenersville Rd # 304 – Bethlehem, PA 18017 – (610) 691-0560
  • Horwath Agency – 24 E Broad St – Bethlehem, PA 18018 – (610) 868-6876
  • William Cary Agency Inc – 3482 Linden St – Bethlehem, PA 18017 – (610) 867-3218

For a complete listing of insurance agents in Bethlehem, please view this page.

Upon getting good answers to any questions you have in addition to an acceptable price estimate, most likely you have located a car insurance agent that is a good match to adequately provide auto insurance.

Online companies can help you save

Car insurance agents are indespensible for some people, but Pennsylvania car insurance can also be bought from online companies direct. Certain companies who sell through agents in Bethlehem also allow you to quote and buy online, and online price comparisons are easy if you’re trying to lower your rates.

If you’re concerned about choosing your own coverages, that shouldn’t be an issue. All companies that require consumers to choose their own coverages provide customer service to answer your questions.

The only method to determine if prices are better online or from an agent is making fair comparisons of each of their rates. You could possible even receive different price quotes from the SAME company when they use both methods.

Can buying online lower your premiums? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors that determine the price you pay. Common sense would say that going direct saves money by not requiring a commission. In many cases, there are high advertising and marketing costs so the rates may be similar to buying from an agent.

Keep this in mind

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In many instances, drivers have reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price.

Drivers leave their current company for any number of reasons including denial of a claim, policy cancellation, questionable increases in premium and even high rates after DUI convictions. No matter why you want to switch, switching companies can be pretty painless.

compare Bethlehem PA insurance agents

Informative consumer insurance sites

More detailed Pennsylvania auto insurance information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can find out which companies have the most complaints, view a list of available companies, and view agent and company licensing information.

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