Frequently asked questions
If yours isn't here, call us at (215) 504-0440 or send a note via the contact page.
What is Binsurance? +
Binsurance is a locally owned Allstate insurance agency in Yardley, Pennsylvania. We've operated since 2012, are licensed in PA, NJ, and DE, and serve clients in English, Spanish, and Mandarin Chinese.
Where is the Binsurance office? +
405 Floral Vale Blvd, Yardley, PA 19067 — inside the Floral Vale corporate park off Stony Hill Road. Open Mon–Thu 8:30 AM–6:30 PM, Friday 8:30 AM–5:30 PM.
Is Binsurance the same company as Allstate? +
Binsurance is an exclusive Allstate agency. We're an independent local business that exclusively sells Allstate products. Every policy is issued and backed by Allstate.
What states are you licensed in? +
Pennsylvania, New Jersey, and Delaware.
What languages do you speak? +
English, Spanish, and Mandarin Chinese — by staff, not by translation app.
What's the cheapest way to insure my car? +
Honest answer: it depends on your driving history, vehicle, ZIP, and what you're willing to give up in coverage. The biggest free discount is bundling auto + home or auto + renters — typically 15–25%. The biggest paid-down discount is moving to higher deductibles if your savings can absorb them.
I had a lapse / DUI / SR-22 issue — will you write me? +
Yes, often. SR-22 filings in NJ and DE are routine for us. PA doesn't use SR-22 but has its own reporting we handle. High-risk auto policies are priced higher but available — we'll quote both Allstate and adjacent non-standard markets and tell you the straight number.
Do I have to come to your office? +
No. Most of our service is by phone, email, video, or e-signature. Walk-ins are welcome but never required.
How fast can I get a quote? +
Auto and renters quotes are typically same-day. Home, life, and business quotes are usually 1–3 business days depending on what underwriting needs (replacement-cost report, medical exam, business documents).
Will my rate go up if I file a claim? +
Usually yes, with two exceptions worth knowing: most weather/comprehensive claims have a smaller premium impact than at-fault liability claims, and small claims under your deductible shouldn't be filed at all.
Do you offer payment plans? +
Yes. Most policies offer monthly, quarterly, semi-annual, or annual billing. Paid-in-full typically saves 5–8%.
What's the best way to reach you after hours? +
Use the quote form on the contact page — we'll respond the next business day. For claims, call Allstate's 24/7 claims line on your ID card; you don't need to wait for our office.
Ready to talk to a real local agent?
We answer the phone, in five languages.