When pricing car insurance in Chester, Pennsylvania, you have many choices and picking a good Pennsylvania insurance agency is more difficult than just making a phone call. We’re guessing that not only do you want a friendly agent, but also the lowest possible price.
With companies like American Family, Allstate, State Farm and independent agents all competing for your business, it’s difficult to determine which one will provide you with the best rates, service and coverage. To begin, consumers can get insurance quotes online to assemble a group of agents and price estimates.
Compare online but buy from a local Chester agent
Professional agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing rates online is you can get lower rates but still work with a licensed agent. And providing support for local insurance agencies is especially important in Chester.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents in Chester who will return price quotes to get your business. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. It doesn’t get any easier! It’s the lowest rates and work with a local agent.
Best auto insurance agent in Chester
If you’re trying to find a reputable insurance agent or broker, there are two different types of agents to choose from. Agents are categorized either independent or captive.
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.
When searching for an agent, we recommend you contact several independent insurance agents for the best price selection. Many write coverage with different regional companies which can save you money.
The following is a list of independent insurance agencies in Chester who may be able to give you price quote information.
- CGU Insurance – 17 E Elbon Rd – Chester, PA 19015 – (610) 490-1536
- Zappala Insurance – 2712 W 3rd St – Chester, PA 19013 – (610) 485-4402
Captive Insurance Agents
These agents have only one company to place business with such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. These agents receive extensive training on the products they sell which helps them compete with independent agents. Consumers often buy from captive agents mainly due to the brand legacy and the convenience of having all coverages with one company.
Below are Chester captive agencies who can help you get price quote information.
- Allstate Insurance – 4617 Edgmont Ave – Chester, PA 19015 – (610) 872-6000
To view a full list of captive agents in Chester, please go to this site.
Choosing a car insurance agent should depend on more than just the premium amount. These are valid questions to ask:
- What are the financial ratings for the companies they represent?
- Is their price quote a firm figure or are their hidden costs?
- Which insurance companies are they affiliated with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you’re quoting properly cover your vehicle?
- How are claims handled?
- Are they full-time agents?
After receiving acceptable answers to all your questions and a low price estimate, you’ve probably found an auto insurance agent that will properly insure your vehicles.
Are online companies an option?
Licensed agents are important, but Pennsylvania car insurance can also be bought from online companies direct. Some companies, such as Farmers Insurance and State Farm, that are more known for using agents, also give you the ability to buy direct on their websites, and consumers should do that if you want to do it yourself.
If you’re concerned about not getting advice from an agent, don’t let it bother you. Auto insurance companies that allow you to purchase coverage provide options to walk you through the process. You can also use extensive coverage information and 24/7 assistance to clarify any questions you may have.
The best way to determine whether prices are lower online or from agents is to compare price quotes from both. It’s fairly common that you receive different coverage costs when quoting both agents prices and online prices from the same company. But it’s difficult to know which is cheaper until after comparing identical coverage quotes each way.
Can you find lower rates online? The answer to that question is complicated due to the fact that there are many factors that determine your policy premium. Common logic is that purchasing direct online cuts out the agent as a middleman. But in reality, marketing their products costs a lot of money and that can cost more than having to pay agents.
Final thoughts
Insureds leave their current company for any number of reasons including unfair underwriting practices, denial of a claim, high rates after DUI convictions or delays in paying claims. Regardless of your reason, choosing a new company can be easier than you think.
When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The aim is to find the BEST coverage at a price you can afford.
More information is located on the Pennsylvania Insurance Department website found here. Visitors are able to read enforcement actions against agents and companies, learn about specific coverages, view a list of available companies, and read state legal mandates and laws.
The following information may also be useful.
