Are you regretting the purchase of an overpriced auto insurance policy? Trust us when we tell you many Allentown drivers feel the same as you.
It's hard to fathom, but a large majority of auto insurance policyholders have remained with the same auto insurance company for four years or more, and approximately 38% of consumers have never compared auto insurance rates at all. Most drivers in Pennsylvania could save roughly $686 each year just by shopping around, but most just don't grasp the amount of money they would save if they moved their coverage to a different company.
There are many car insurance companies to choose from, and though it is a good thing to have multiple companies, more options can take longer to compare rates.
Many insurance companies allow consumers to get insurance quotes online. Getting online quotes is possible for anyone as all you need to do is type in the coverage amounts you desire on the page. After the form is submitted, the system obtains reports for credit and driving violations and generates a price based on these factors. Quoting online streamlines rate comparisons, and it's very important to get many rate quotes if you are searching for the lowest possible payments on auto insurance.
If you want to get comparison pricing now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you duplicate the insurance coverages just like they are on your policy. This makes sure you will have comparison quotes for exact coverage.
The providers in the list below are our best choices to provide price quotes in Allentown, PA. If you want to find cheap auto insurance in Allentown, we suggest you get rate quotes from several of them in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Crew Cab 2WD||$1,246||$623||$104|
|Dodge Ram Crew Cab Sport 2WD||$1,170||$585||$98|
|Ford Escape XLT 4WD||$948||$474||$79|
|Ford F-150 STX Regular Cab 4WD||$1,018||$509||$85|
|Ford Focus SES 4-Dr Sedan||$1,030||$515||$86|
|GMC Sierra Denali Crew Cab 2WD||$1,186||$593||$99|
|Honda Accord EX-L 4-Dr Sedan||$1,038||$519||$87|
|Honda CR-V LX 4WD||$746||$373||$62|
|Honda Civic VP 4-Dr Sedan||$914||$457||$76|
|Hyundai Sonata Limited 4-Dr Sedan||$1,496||$748||$125|
|Nissan Altima 2.5 4-Dr Sedan||$1,414||$707||$118|
|Nissan Rogue SL AWD||$1,034||$517||$86|
|Toyota Camry LE||$994||$497||$83|
|Toyota Corolla S||$918||$459||$77|
|Toyota RAV4 Limited 2WD||$1,142||$571||$95|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in garaging location in Allentown which can affect prices significantly.
Rate comparison of full coverage and liability-only
The chart below shows the comparison of Nissan Sentra premium costs when comparing full coverage to liability only. The premiums assume a clean driving record, no claims, $250 deductibles, married female driver, and no policy discounts are applied.
Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you be buying full coverage?
There is no clear-cut formula of when to phase out full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let's assume your Nissan Sentra replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If it's costing you more than $400 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Local neighborhood Allentown car insurance agents
A small number of people would rather sit down and talk to an agent and often times that is recommended One of the great benefits of comparing rate quotes online is that you can obtain lower rates but also keep your business local. And supporting local insurance agents is important especially in Allentown.
Once you complete this quick form, the quote information is submitted to agents in your area who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered directly to you. You can find the lowest rates without a big time investment. If for some reason you want to compare prices for a specific company, you would need to jump over to their website and fill out the quote form the provide.
When researching a local Allentown insurance agency, it's important to understand the different types of agencies and how they work. Agents in Allentown can be described as either exclusive or independent.
Independent Agencies or Brokers
Independent agencies can sell policies from many different companies and that is an advantage because they can write policies amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and you can keep the same agent.
When comparing rates, we highly recommend that you check rates from a couple of independent agencies to get the most accurate price comparison.
Shown below is a partial list of independent insurance agents in Allentown that can give you rate quotes.
2200 Hamilton St # 109 - Allentown, PA 18104 - (484) 860-3119 - View Map
Exclusive insurance agents can only write with one company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot compare rates from other companies so it's a take it or leave it situation. Exclusive insurance agents are highly trained on their company's products which helps them sell insurance even at higher premiums.
The following is a short list of exclusive agents in Allentown that can give you comparison quotes.
Picking the best auto insurance agent is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:
- Does the agency support the community they serve?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency have a positive business rating?
- How would your car be valued if totalled?
- Can glass repairs be made at your home?
- How long has their agency been in business in Allentown?
If you feel you receive positive feedback as well as an affordable premium quote, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles. Just keep in mind you are entitled to cancel your coverage when you choose so don't feel that you are permanently stuck with a policy for any length of time.