Locating low-cost insurance for a new or used Mercury Montego in Pennsylvania can be difficult, but you can learn the following methods and make it easy.
There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to compare rates on a Mercury and locate the cheapest rates either online or from Philadelphia insurance agents.
The following companies provide price quotes in Philadelphia, PA. If more than one company is shown, we recommend you get rates from several of them to get the most competitive price.
When should I discuss my situation with an agent?
When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.
- What is motorclub and do I need it?
- Can I make deliveries for my home business?
- Where can I get insurance after a DUI in Pennsylvania?
- Can I afford to buy a different vehicle if my Mercury Montego is totaled?
- I don’t drive much so do I pay less?
- What if a claim settlement is too low?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Can’t I get rate quotes from local Philadelphia car insurance agents?
Some consumers still prefer to buy from a licensed agent and that is not a bad decision Agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance online is the fact that drivers can get cheaper prices but still work with a licensed agent. And providing support for small agencies is important especially in Philadelphia.
After completing this form (opens in new window), your coverage information is transmitted to companies in Philadelphia who will return price quotes for your insurance coverage. You never need to visit any agencies because prices are sent immediately to you. If you want to compare rates for a specific company, feel free to go to their quote page and complete a quote there.
If you are searching for local Philadelphia agents, you need to know there are two different types of agencies and how they function. Agencies in Philadelphia can be classified as either independent or exclusive. Both types of agents can insure your vehicles properly, but it is a good idea to know how they are different since it can affect which type of agent you select.
Independent Insurance Agencies or Brokers
These type of agents do not write with just one company and that is an advantage because they can write policies with lots of companies and find the cheapest insurance rates. If you want to switch companies, they simply move the coverage in-house and you can keep the same agent.
If you are comparing insurance prices, you absolutely need to include rate quotes from at a minimum one independent agency to get the best comparison. Most also write with less well-known companies that may provide cheaper insurance rates.
The following is a partial list of independent agencies in Philadelphia that may be able to give competitive price quotes.
- The Gannon Insurance Agency Inc
2704 Street Rd – Bensalem, PA 19020 – (215) 891-9990 – View Map
- Martin Insurance
5700 Delancey St – Philadelphia, PA 19143 – (215) 471-6860 – View Map
- The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map
These agents can only provide pricing for a single company and some examples include Allstate and State Farm. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use an exclusive agent partially due to the brand and the convenience of having a single billing for all their coverages.
The following are exclusive agents in Philadelphia who can help you get price quote information.
- Ahida Garcia – State Farm Insurance Agent
716 Adams Ave Ste 8 – Philadelphia, PA 19124 – (215) 533-5550 – View Map
- Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map
- Les Moore – State Farm Insurance Agent
6750 N 5th St – Philadelphia, PA 19126 – (215) 224-4400 – View Map
Choosing a insurance agent requires you to look at more than just the quoted price. Any agent in Philadelphia should be forthright in answering these questions:
- Do they reduce claim amounts on high mileage vehicles?
- Does the company use OEM repair parts?
- What are their preferred companies if they are an independent agency?
- Can glass repairs be made at your home?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will you work with the agent or an assistant?