Tips to Finding a Good Insurance Agent in Newark, NJ

If you’re trying to find a good Newark agent, we recommend you do the preliminary legwork on the internet instead of making phone calls. Consumers need an excellent agent, and also competitive auto insurance rates.

Big-name insurance companies like Allstate, Progressive and GEICO constantly blast consumers with ad campaigns and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How to compare Newark auto insurance rates

Professional agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.

After completing this short form, the quote information is instantly submitted to insurance agents in Newark who will battle to get your business. There is no reason to even leave your home as quotes are delivered to your email. How’s that for easy!

Choosing an auto insurance agent should depend on more than just a cheap price. These are valid questions to ask:

  • Do they assist clients in filing claims?
  • Is working in the agency their full-time job?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • What insurance companies do they work with?
  • If you have an accident, will your rates go up?

Different types of Newark car insurance agents

When finding a local agent, you need to know there are two different types of agents that you can select. Insurance agencies in Newark can either be independent or captive. While both can properly insure your vehicles, but it’s important to know the differences because it can influence the selection process.

Captive Insurance Agents

Captive agencies can only place business with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only purchase coverage from captives mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a short list of captive insurance agents in Newark who may provide you with price quote information.

  • State Farm Insurance – 17 Academy St – Newark, NJ 07102 – (973) 286-2870
Independent Insurance Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to include price quotes from multiple independent agents to have the most options to choose from. Many write coverage with smaller companies which may provide better rates.

The following is a short list of independent agencies in Newark that are able to give price quotes.

  • F J Della Fera Agency – 208 1st Ave W – Newark, NJ 07107 – (973) 482-5858
  • Roman Insurance – 559 Bloomfield Ave – Newark, NJ 07107 – (973) 497-1414
  • Ed Young Agency – 942 S Orange Ave – Newark, NJ 07106 – (973) 375-0003
  • Fisher Agency – 8 Wilson Ave – Newark, NJ 07105 – (973) 589-8272
  • Prudential Reinsurance Co – 100 Mulberry St – Newark, NJ 07102 – (973) 802-8000

To view a full list of insurance agents in Newark, please click here.

After getting positive feedback to all your questions and locked in a price quote, you have narrowed it down to an insurance agent that can properly insure your vehicles.

But what about online car insurance?

Licensed agents are important, but you can also find affordable New Jersey auto insurance direct online. Some specific companies, such as Farmers Insurance and State Farm, who sell through agents in Newark also let you get a quote and buy online, and that is helpful if finding the best price is important.

If you’re apprehensive about not receiving proper advice, that should not be a issue. Car insurance companies provide toll-free numbers for getting the best coverage.

If the lowest price is important, the best way to know where you can get the lowest rate, either online or from agents, is to take the time to compare rates from both. It’s not unheard of to actually get different prices for the exact same company depending on if you quote online or with an agent. But you can’t find out which is cheaper unless you compare quotes for identical coverages for both.

Can buying online lower your premiums? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components which can adversely affect your policy premium. Many people think that a shopper who purchases direct reduces premiums because there is no agent. In many cases, it’s expensive to advertise and this drives up their premium costs.

What is YOUR best insurance company?

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as questionable increases in premium, an unsatisfactory settlement offer, high prices and unfair underwriting practices. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

More tips and info about auto insurance is available at the New Jersey Department of Banking and Insurance website. New Jersey drivers can view a list of available companies, view agent and company licensing information, and find out which companies have the most complaints.

Newark agents

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