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January 23, 2015

How to Find the Best Local NJ Insurance Agent

January 22, 2015


Contact: Amanda Edwards

I & E Insurance Agency


[email protected] 

How to Find the Best Local NJ Insurance Agent in Ocean County

or anywhere in New Jersey.

When pricing Home, Auto and Business Insurance in NJ, consumers have many options. But selecting the Best NJ Insurance Agent for your needs is not always as easy as just going online. You should want a licensed experienced competent agent who has access to a variety of Insurance carriers, offers personal attention and is priced correctly. Now does correctly mean cheap?Does cheap insurance mean it’s the right insurance? What good is cheap, if coverage is lacking when you need it!

With Nation-wide companies like Progressive, Geico, Allstate, State Farm and Farmers competing for your business, it’s hard to know which provider has the lowest cost with the best coverage. To start, consumers can go online and build price quotes with a list of agents, but first make sure the quote was fully researched.
Too many times a customer can receive a quote and then get an “adjustment” weeks later raising the costs on Home, Auto and Business coverage…so ask if the underwriting was completed before you sign on the dotted line… Next decide if you want personal attention from an Agent, or is talking with a
phone bank of customer service representatives sufficient.

Neighborhood Insurance Agents

Local Insurance agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent. Buying from local agencies is important, especially in NJ and Ocean County where the cost and availability to coverage can be affected by the distance from Water. Many insurance companies have stopped offering insurance on properties that are 5 miles or less to any body of water. So ask questions like what’s is the Hurricane deductible, before you take that cheap sounding policy from one of those big national names.
Finding out after a disaster strikes that you have to pay $20,000 out of your pocket for that roof repair is little consolation for saving a hundred dollars, on last years policy. So ask the tough questions and find an agent you can trust.

Is a Captive or Independent Insurance Agent the right  one for you?

If you’re trying to find an insurance agent, there are two types of agencies that you can select.
Local agents can either be CAPTIVE or INDEPENDENT (non-captive).

Independent Agencies or Brokers

Independents are not locked to one company. This provides them the freedom to seek coverage from a variety of companies. Longer term if you become unhappy with one company, your agent can then provide alternatives with minimal effort from you, thus saving time, money and aggravation. When comparing rates, it’s a good idea to get price quotes from several independent insurance agents to have the most options to choose from. Some agents also have different regional companies which can be an advantage. And most will be able to assist you with a variety of different coverages for all your insurance needs, including- Home, Life Auto, Business, Boat, Commercial etc. So one agent can develop a long term relationship with you and if your company does change, your broker will still be there providing personal attention no matter what company is offered.

Captive Insurance Agents

These agents are contracted to one company and some examples include Allstate, Farmers, GEICO, Liberty Mutual and State Farm.
They offer one company’s Insurance, and generally will NOT shop your coverage around so it’s a take it or leave it situation. These agents are trained well on the products they sell and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Picking an Insurance agent requires more thought than just the price. Some important questions to ask are:

  • Do the coverages you’re quoting properly cover your home,. Life Business, Auto etc ?
  • Is the agent and or agency licensed to do business in your state?
  • What insurance companies do they work with?
  • Are you getting all the discounts the company offers?
  • How long has their agency been in business in New Jersey?
  • Who is covered by the car insurance policy?
  • How High are your deductibles? (check the fine print)
  • Which insurance company do they recommend?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Another good way— ask friends, go online, read reviews, call Trusted Choice at  then chances are better that you have found an insurance agency that will properly service your present and future needs.

Additional links for car insurance information—

More information is available on the New Jersey Department of Insurance website. Go to 

Here you can find info on State legal matter and  legal mandates and laws, view agent and company licensing information, and read consumer alerts.

For more information contact us at  [email protected]

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 & PIA contact your own advisors before making any financial decision. Services offered through independent NON-AFFILIATED ENTITIES

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