No normal person gets a kick out of paying for auto insurance, particularly when it costs too dang much.
It’s safe to assume that insurance companies want to keep you from comparing rates. Drivers who shop around at least once a year will presumably switch companies because of the good chance of finding discount prices. A recent auto insurance study revealed that people who compared rate quotes regularly saved $3,500 over four years compared to those who never shopped around for cheaper prices.
If finding discount rates on car insurance is the reason you’re reading this, then understanding how to quote and compare car insurance can save time, money, and frustration. Due to the abundance of online and local companies to choose from, it’s nearly impossible to find a lower cost auto insurance provider.
Smart consumers take time to shop coverage around at least once a year due to the fact that insurance rates trend upward over time. Just because you had the lowest premium rates on Pontiac GTO insurance in Philadelphia a couple years back the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because you’re going to get a crash course in one of the best ways to find lower rates on auto insurance.
Getting a cheaper price on insurance is actually quite simple. You just need to spend a little time getting comparison quotes online from several insurance companies.
It’s so easy to compare rate quotes online that it replaces the need to physically go to each insurance agency near you. Shopping for car insurance online has made agencies unnecessary unless you’re the type of person who wants the professional advice that can only be provided by a licensed insurance agent. Although, it is possible compare the best prices online and have a local agent actually service the policy.
The companies shown below provide quotes in Philadelphia, PA. If multiple companies are shown, we recommend you visit several of them in order to find the lowest rates.
Car insurance is available from your local insurance agencies
Many people still prefer to talk to a local agent. Insurance agents can answer important questions and help in the event of a claim. A nice benefit of comparing rates online is that drivers can save money and get better rates and still have a local agent.
To find an agent, once you fill out this simple form, the coverage information is instantly submitted to participating agents in Philadelphia who will return price quotes for your coverage. You don’t have to leave your house since price quotes are sent directly to your email. If you have a need to get a rate quote from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
Deciding on an insurance company shouldn’t rely on just a cheap price quote. A good agent in Philadelphia will have answers to these questions.
- How long have they worked with personal auto insurance coverage?
- Can they give you a list of client referrals?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they have 24-hour customer assistance?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you’re trying to find a local Philadelphia insurance agent, it helps to know the two different types of agents from which to choose. Philadelphia agents can either be independent (non-exclusive) or exclusive. Both insure your vehicles properly, but we need to point out how they are different since it could factor into the type of agent you choose.
Exclusive Car Insurance Agents
These type of agents can only provide pricing for a single company like Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agencies are usually well trained on sales techniques which helps them sell on service rather than price.
Shown below are Philadelphia exclusive agencies who may provide you with rate quotes.
Independent Car Insurance Agents
Agents that elect to be independent are not limited to a single company so they can quote policies with multiple insurance companies and find you cheaper rates. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured. If you need cheaper car insurance rates, it’s recommended you include independent agents to maximize your price options.
Below are Philadelphia independent insurance agencies willing to provide price quote information.
Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320 – View Map