Perplexed by the dozens of car insurance companies in Philadelphia? There are so many companies available that it can easily become a difficult challenge to find a more affordable company. Lots of people think Philadelphia is a great city to live in, but inflated car insurance prices can make it hard to be able to afford adequate coverage.
It’s safe to conclude that insurance companies want to keep you from comparing prices. People who compare other rates will probably move their business because of the high probability of finding good coverage at a lower price. A recent survey found that drivers who routinely compared rates saved over $3,500 over four years compared to people who never compared other company’s rates.
If finding low prices for Mitsubishi Mirage G4 insurance in Philadelphia is your objective, understanding how to quote prices and compare auto insurance can make it easier to find better rates.
It’s important to know that making a lot of price comparisons provides better odds of finding better pricing.
The following companies can provide free rate quotes in Pennsylvania. If several companies are displayed, we suggest you visit two to three different companies to find the cheapest car insurance rates.
Do I just need basic coverages?
When buying insurance from an agent or online, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.
- What discounts do I qualify for?
- Who is covered by my policy?
- When do I need to add a new car to my policy?
- What does UM/UIM cover?
- Which is better, split liability limits or combined limits?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is my teenager covered with friends in the car?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
When to talk to an insurance agency
Many drivers prefer to buy from a local agent and that is just fine! One of the benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still have a local agent. And providing support for neighborhood insurance agencies is important especially in Philadelphia.
To find an agent, once you fill out this form (opens in new window), your coverage information is transmitted to local insurance agents in Philadelphia who will return price quotes for your coverage. It’s much easier because you don’t need to contact an agency since rate quotes are delivered to you directly. You can find better rates without having to waste a lot of time. If you need to get a rate quote from a particular provider, you just need to navigate to their website and give them your coverage information.
If you prefer to buy auto insurance from a good Philadelphia insurance agent, you need to know there are two types of agencies that you can select. Agencies in Philadelphia are either exclusive or independent (non-exclusive).
Independent Auto Insurance Agents (or Brokers)
Agents that elect to be independent are not required to write business for one company so as a result can place your coverage through many different auto insurance companies and find the cheapest rate. If you want to switch companies, an independent agent can move your coverage which is easy for the insured.
When comparing auto insurance prices, we recommend you compare prices from multiple independent agents to maximize your price options. A lot of them also have access to companies you’ve never heard of that many times have cheaper rates.
Listed below is a small list of independent agencies in Philadelphia that may be able to give you pricing information.
- HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map - National Insurance Agency
2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100 – View Map - Eckroth Insurance Group LLC
521 N 22nd St – Philadelphia, PA 19130 – (215) 232-0200 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can only quote rates from one company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. They are well schooled on their company’s products which helps them compete with independent agents. Many people use the same exclusive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below are exclusive insurance agents in Philadelphia that can give you comparison quotes.
- Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map - Vince Ovecka – State Farm Insurance Agent
456 E Girard Ave – Philadelphia, PA 19125 – (215) 739-0800 – View Map - Michael DeCarlo – State Farm Insurance Agent
326 S 19th St Ste 2 – Philadelphia, PA 19103 – (215) 772-0100 – View Map
Deciding on an car insurance agent requires more thought than just the price. These are some valid questions you should ask.
- Do they feel the quoted coverages are adequate?
- Is every driver in your family covered?
- Are they actively involved in the community?
- What is the agency’s Better Business Bureau rating?
- Are there any extra charges for paying monthly?
- Which companies do they recommend if they are an independent agency?
- If you raise deductibles, how much can you save?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?