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Home > Auto Insurance in Toms River NJ, Freehold NJ, & Morristown NJ

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Auto Insurance in Toms River NJ, Freehold NJ, Morristown NJ and surrounding areas

What is auto insurance?

family with luggage sitting in back of suv

I & E Insurance Agency is Point Pleasant’s trusted source for personalized insurance. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.  

One of the most essential benefits that everyone needs is quality auto insurance. However, plans must be customized to the policyholder’s needs. With our network of quality carrier options available to you, we can ensure you get the most customized plan for your needs.  

To get your auto insurance policy today, call us at 732-295-5584 or request your free quote now!  

Common Auto Insurance Questions  



What is auto insurance?  

Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.  

How does auto insurance work?  

Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.  

What does auto insurance cover?  

The average auto insurance policy can offer numerous benefits, including:  


  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


Is auto insurance required?  

The minimum amount of New Jersey auto insurance coverage is $15,000/$30,000/$5,000. In the event of a covered accident, your limits are:

Bodily Injury Liability Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Property Damage Liability Coverage: Minimum coverage level is $5,000 per accident
Personal Injury Protection (PIP): Minimum coverage level is $15,000
Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible

Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.  

It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.  

What does auto insurance cost?  


Numerous factors can influence the cost of your auto policy, including:  

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year


It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.   


Recent Awards 
Asbury Park Press "Named one of the Top 3–Best Insurance Agency of Ocean County -8 times from 2019-2011
Winner "Best Insurance Agency of 2014"
Our Agents named by NJ Monthly Magazine/5 Star Professionals Award Top Agents for Home/Auto Insurance Agents 2018,2017,2015 & 2014


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  • I & E Insurance Agency
  • 2900 Route 88
  • Point Pleasant, NJ 08742
  • Phone: 732-295-5584
  • ineagency@gmail.com

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

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