Start your Pennsylvania insurance quote in 60 seconds
Independent broker. Multi-carrier panel. Real licensed Pennsylvania agents, Lionel A. Yates Sr. and Linda Conyers — not a call center. Start with your ZIP, or pick a coverage line below.
Starts an auto quote — pick a different line below any time.
Or call (610) 800-4410 · Open Mon–Sat · 9 AM – 7 PM
Your agents
- 1997 In insurance since Lionel A. Yates Sr.
- 60 sec To start your quote ZIP-first flow
- 6 days Open every week 9 AM – 7 PM ET
- PA-licensed Real licensed agents Devon, Chester County
Pick the line of coverage
Each wizard is calibrated to its line of coverage so we ask only what we need to bring back real numbers.
- Auto Personal car insurance — full coverage, liability, tort options.
- Truck Commercial trucking, owner-operator, fleet, FMCSA filings.
- Auto Hauler Open and enclosed haulers — cargo, on-hook, garage keepers.
- Contractor General liability, workers' comp, tools and equipment, bonds.
- Homeowners Dwelling, contents, liability, scheduled items, flood.
- Motorcycle Bikes, scooters, trikes — bike, rider, accessories.
- Business BOP, GL, commercial property, hired auto, business interruption.
Three steps to a real Pennsylvania quote
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1
Tell us your ZIP
One field gets us started. We ask only what your line of coverage needs.
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2
We shop the market
A licensed PA agent compares the carriers that fit your risk. You see real options, not a single quote.
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3
Review and bind
Personal auto and home can often bind the same day. Truck, contractor, and business policies take longer because underwriters review radius, payroll, and loss history first.
Have these handy before you start
- Your Pennsylvania ZIP code Carriers price by ZIP — not by city or county. Rating territories are granular enough that two addresses in the same town can price noticeably apart.
- The asset being insured Vehicle year/make/model/VIN, property address + year built + square footage, or commercial business class + payroll.
- Prior coverage history Current carrier name and policy expiration date. Carriers generally price continuous prior coverage better than a gap.
- Your driver license number For personal auto only. We pull MVRs and credit-based insurance scores automatically once we have the basics.
One request, multiple carriers compared
The carrier pays our commission out of the premium. What you get is shopping power. We shop multiple carriers at once and bring back the options that fit; a direct quote from one carrier shows you their number alone. Every carrier files its own rates, and they disagree more than most buyers expect — the same driver, house, or truck routinely comes back with very different numbers from two equally rated carriers. Our job is to find the carrier that actually wants your risk.
Lionel A. Yates Sr. or Linda Conyers, the licensed Pennsylvania agents who run CY Financial, walk the policy with you in plain English: limits, deductibles, endorsements that matter for the way you actually use the vehicle, live in the property, or run the business. Same agent, same office, when it's time to renew or file a claim. We do not hand you off to a call center.
Quote FAQ
How long does a Pennsylvania insurance quote actually take?
Personal auto and homeowners quotes often come back the same day once we have the basics — ZIP code, the asset being insured, and your prior coverage history. Commercial trucking, contractor, and business quotes take longer because underwriters review operating radius, payroll, class code, and loss history first; plan on a day or two, and longer for a new trucking authority.
Does using a broker cost more than going direct?
Not necessarily. The carrier pays our commission out of the premium. The difference is that we shop multiple carriers at once and bring back the options that fit, while a direct quote shows you only one carrier's number. Each carrier files its own rates, so the gap between the best and worst quote on the same risk is often wide enough to be the whole reason you shop.
Do I need a Pennsylvania address to start a quote?
Yes — we are a Pennsylvania-licensed broker, licensed statewide and focused on Greater Philadelphia, Berks, and Lancaster counties. If you are moving to Pennsylvania from another state, we can still quote and bind with a future effective date so the switch happens on moving day without a gap in coverage.
What information will I need before I start?
For personal auto: your ZIP code, vehicle year/make/model/VIN, and prior carrier name. For homeowners: address, year built, square footage, roof age, prior carrier. For commercial trucking and contractors: operating radius, gross revenue, payroll, and prior loss history. Driver records and insurance scores get pulled automatically once we have the basics.
Can I change carriers mid-policy if I find something better?
Usually, yes. You can generally cancel a policy mid-term, and how much unused premium comes back depends on the carrier and the policy terms, so check that before you switch. Rates change over time, so ask us to re-shop your coverage ahead of renewal and we will tell you whether a switch makes sense.
Ready when you are
One ZIP, one minute. We never sell your information. (610) 800-4410 if you'd rather talk it through.