Comparing car insurance rates in Bayonne can be a lot of work since there are a lot of options and selecting the best Bayonne car insurance agent for your needs is harder than just calling the closest agent. It’s highly likely you’re looking for a great agent that can assess your needs, but you also need affordable coverage.
With insurance companies like American Family, Allstate, State Farm and Farmers all competing for your business, it can be hard to know which provider will provide the cheapest rates and the best coverage. Thankfully, you can use online price quotes to get a list of agents and thier coverage prices.
Comparing prices from Bayonne agents
Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is you can get the lowest rates but still work with a licensed agent. Supporting local agencies is important particularly in Bayonne.
After completing this form (opens in new window), your insurance data is emailed to participating agents in Bayonne who will give you bids for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!
Is a captive or independent insurance agent right for you?
When researching an insurance agent, you need to know there are two different types of agents that you can select. Agents are classified as either independent or captive. Both properly insure your vehicles, but it’s worth mentioning how they are different since it can impact your selection of an agent.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and that require little work on your part.
When comparing rates, it’s a good idea to include price quotes from at least one independent agent to get the best comparison.
Listed below is a short list of independent insurance agents in Bayonne willing to provide price quotes.
Longo Agency Inc – 916 Broadway – Bayonne, NJ 07002 – (201) 437-0900
Insurance Associates – 1040 Broadway – Bayonne, NJ 07002 – (201) 823-8686
Summit Insurance Advisors – 935 Broadway – Bayonne, NJ 07002 – (201) 858-7700
Captive Agents
This type of agents have only one company to place business with like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so keep that in mind. Captive agents are well schooled on the products they sell which helps them compete with independent agents.
Below are captive agencies in Bayonne that are able to give comparison quotes.
State Farm Insurance – 599 Broadway – Bayonne, NJ 07002 – (201) 339-8100
Allstate Insurance – 286 Avenue C – Bayonne, NJ 07002 – (201) 339-1404
To view a full list of Bayonne captive agencies, please go to this site.
Picking an auto insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- How long have they worked with personal auto insurance coverage?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they regularly work with personal auto policies?
- Are claims handled at the agent’s location?
- Which company do they place the most coverage with?
- Are there any discounts that you might be missing?
- Is assistance available after office hours?
- Do they carry Errors and Omissions coverage?
After getting acceptable answers to any questions you have and locked in a price quote, most likely you have located an auto insurance agent that is a good match to insure your vehicles.
Can I save by buying online?
Insurance agents are a valuable resource, but New Jersey drivers can also buy directly from online companies. A few companies like Allstate and State Farm who employ agents also let you buy direct on their websites, and consumers should do that and can also potentially find you lower rates.
If you’re uncomfortable with not having an insurance agent’s advice when buying direct, that should not be a issue. Car insurance companies give you access to trained agents you can use to get advice on coverages. You may also access help pages and frequently asked questions you can access prior to buying.
Can online rates save money? The answer is complex because there are many components that influence how your policy is priced. It’s a logical assumption that a consumer who buys direct cuts out the middleman. For most online online companies, however, advertising budgets are huge so rates may not be all that different from traditional agents.
If you’re not set on any one company, the best way to find out who has the best rates, online companies or local insurance agents, is to set aside time to compare rates from both. Lots of times people will get different prices from exactly the same company depending on where you get the price quote from.
More quotes mean more savings
Drivers who switch companies do it for a number of reasons such as high prices, not issuing a premium refund, delays in paying claims or even questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company can be pretty painless.
When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.
More information can be read on the website for the New Jersey Department of Banking and Insurance found here. New Jersey drivers can get help finding coverage, find out which companies have the most complaints, view a list of available companies, and discover disciplinary actions.
Other informative sites include Auto Insurance 101 and this link where you can get more info about Bayonne coverage.
