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Useful Tips for Researching a Philadelphia Insurance Agent

To locate a good insurance agent in Philadelphia, you can start your search on the web in order to save time. Consumers need a professional agent and also want to find the best possible rates.

Because there are so many options, it can be challenging to choose the best car insurance company.

Which insurance is the “right” coverage?

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are Pennsylvania no-fault laws?
  • Is rental equipment covered for theft or damage?
  • When does my teenage driver need to be added to my policy?
  • Are you required to get a high-risk car insurance policy?
  • What is the difference between comprehensive and collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent.

Working with a local agent

Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.

After completing this form (opens in new window), the quote information is transmitted to insurance agents in Philadelphia who will return price quotes for your business. You won’t need to drive around as quotes are delivered directly to your email.

Selecting an auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:

  • Who is covered by the car insurance policy?
  • Does the agency support the community they serve?
  • How are they compensated?
  • Are claims handled at the agent’s location?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How many years of experience in personal lines insurance coverages do they have?

Multiple types of car insurance agents in Philadelphia

If you’re trying to find a reputable insurance agent or broker, there are two types of insurance agents from which to choose. Agents can either be independent (non-captive) or captive. Either one can do a good job, but it’s good to learn how they are different because it can impact buying decisions.

Captive Insurance Agents

This type of agents write business for a single company like American Family, Liberty Mutual and AAA. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are trained well on their company’s products and that can be a competitive advantage.

Shown below is a short list of captive agents in Philadelphia willing to provide comparison quotes.

State Farm Insurance – 246 S 52nd St – Philadelphia, PA 19139 – (215) 747-7427
Liberty Mutual Insurance – 150 S Indepence Mall W # 500 – Philadelphia, PA 19106 – (215) 627-3087
Allstate Financial Svc Group – 437 Chestnut St – Philadelphia, PA 19106 – (215) 351-9440

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, we recommend you include price quotes from at least one independent agent for maximum quote selection.

Below are independent insurance agents in Philadelphia that can give you comparison quotes.

Loyalty Agency Assn Inc – 201 N 9th St – Philadelphia, PA 19107 – (215) 574-5550
John R Ferullo Agency – 1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116
Mc Hugh-Young Agency – 7952 Oxford Ave – Philadelphia, PA 19111 – (215) 722-8808
Lewis Insurance Svc – 3237 Powelton Ave – Philadelphia, PA 19104 – (215) 222-6331

For a complete listing of insurance agents in Philadelphia, view this link.

Once you have received acceptable answers and an affordable coverage quote, most likely you have located a car insurance agent that is a good match to properly insure your vehicles. Keep in mind policyholders can terminate your policy at any time so don’t assume you’re contractually obligated to the auto insurance policy with no way out.

Smart shoppers get results

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, not issuing a premium refund or questionable increases in premium. Regardless of your reason, finding a new auto insurance company is easier than you think.

Cheap auto insurance can be bought online in addition to most Philadelphia insurance agents, and you should be comparing both so you have a total pricing picture. Local independent agents can write coverage with smaller companies who do not offer the ability to get a quote online.