Frees Insurance Inc
120 Gay St, Phoenixville, PA 19460
View this agency's profile to learn more about their services.
Loading...
City directory
Phoenixville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
120 Gay St, Phoenixville, PA 19460
View this agency's profile to learn more about their services.
444 Valley Forge Road, Phoenixville, PA 19460
View this agency's profile to learn more about their services.
349 Schuylkill Rd, Phoenixville, PA 19460
View this agency's profile to learn more about their services.
21 Gay St, Suite 106, Phoenixville, PA 19460
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Phoenixville residents.
Compare auto and home insurance rates in Phoenixville, PA. Get local agent recommendations, coverage requirements, and money-saving tips for Chester County.
Home InsurancePhoenixville home insurance averages $636-$865/year. Learn about flood risk from Schuylkill River, coverage for diverse housing, and tips to save.
Car InsuranceComplete guide to auto insurance in Phoenixville, Pennsylvania. Learn about PA's choice system, 15/30/5 minimums, full vs limited tort, and how to save money.
Car insurance in Phoenixville averages about $73 per month, which is roughly $4 less than the Pennsylvania state average and $14 below the national average. SUVs typically cost around $53 monthly to insure, while trucks and vans are even cheaper at about $47 per month. Your actual rate will depend on your driving record, vehicle type, age, and coverage levels.
Pennsylvania requires minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. You also need $5,000 in medical benefits coverage since Pennsylvania is a no-fault state. While these minimums keep you legal, they often don't provide adequate protection in serious accidents, so higher limits are recommended.
Yes, Chester County homeowners, including those in Phoenixville, enjoy relatively low rates averaging $56-$76 per month—significantly below Pennsylvania's state average of around $160 monthly. However, rates have been rising across the state, with an 18% average increase for policy renewals last year, so it's important to review your coverage regularly.
Local independent agents like Konell Insurance and DiGiacomo & Associates can compare rates across multiple carriers and understand regional factors affecting your coverage needs, such as Phoenixville's older housing stock and growing property values. They can often find discounts and coverage options you might miss shopping online. However, some people prefer the convenience of buying directly from a single carrier online—it depends on whether you value comprehensive comparison shopping or simplicity.
Common discounts include bundling your auto and home policies (typically 15-25% savings), safe driver discounts for clean driving records, good student discounts for teenage drivers, home security system discounts, and claims-free discounts if you haven't filed recent claims. Your specific discounts depend on your carrier and circumstances, so ask your agent about all available savings opportunities.
If your net worth exceeds your home and auto liability limits combined (typically $300,000-$500,000 total), umbrella insurance makes sense. It provides an extra layer of protection against lawsuits that could exceed your standard coverage. A $1 million umbrella policy costs around $150-$300 annually and is especially valuable for Phoenixville residents with growing home equity and retirement savings.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network