When buying auto insurance in Scranton, there are a lot of options and picking a good Pennsylvania insurance agent takes more work than just driving to the closest agent’s office. Consumers require a decent agent, and also the best possible price.
Because you have many online and local companies to choose from, it’s difficult to choose the lowest price insurance company.
Quote online but work with a neighborhood agent
Insurance agents can help determine the best coverages and give you someone to call. 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 form (opens in new window), the coverage information is emailed to local insurance agents who will return price quotes for your coverage. There is no reason to leave your house due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Deciding on a car insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Do they specialize in personal lines coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- Which members of your family are coverage by the policy?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are you getting all the discounts the company offers?
- How are claims handled?
Below are agents in Scranton who can help you get price quotes.
Allstate Insurance – 505 Scranton Carbondale Hwy, Scranton, PA 18508 – (570) 343-5811
Smith Insurance Svc Inc – 3250 Coyne Ave, Scranton, PA 18505 – (570) 341-9627
Volpe Insurance – 423 Jefferson Ave, Scranton, PA 18510 – (570) 346-0787
State Farm Insurance Agency – 2261 Scranton Carbondale Hwy, Scranton, PA 18508 – (570) 344-2308
State Farm Insurance Agency – 2261 Scranton Carbondale Hwy, Scranton, PA 18508 – (570) 344-2308
Once you have received good answers to these questions and locked in a price quote, most likely you have located a car insurance agent that can provide auto insurance coverage.
Keep your options open
Local insurance agents are perfect for certain consumers, but you also have the option of buying direct from companies online. Some specific companies, such as Farmers Insurance and State Farm, who sell through agents in Scranton also give you the ability to quote and buy online, so keep that in mind.
If you’re worried about selecting your own policy coverages when shopping online, don’t be too concerned. All companies that allow you to purchase coverage provide toll-free numbers for getting advice on proper coverages.
Are online companies cheaper? It’s difficult to provide an answer since there are so many components that influence the price you pay. Many people think that buying direct saves by not paying a commission. For most companies selling online, however, marketing their products costs a lot of money and this drives up their premium costs.
The only method to determine if the best rates are online or from local agents is to take the time to compare rates from both. You can actually get different rates returned by the same company when they get quotes from both.
Final thoughts
When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced collision coverage to discover at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
Consumers switch companies for any number of reasons including denial of a claim, delays in paying claims, poor customer service or even policy cancellation. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
To find out more about Pennsylvania auto insurance
Even more information is located at the Pennsylvania Insurance Department website. Visitors are able to find out which companies have the most complaints, view agent and company licensing information, and view a list of available companies.
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