Consumer Information for Researching a Hoboken Insurance Agent

When trying to find an insurance agent in Hoboken, New Jersey, you can start your research using online quotes to save yourself time. Most likely you’re not only searching for a good agent, but also great rates as well.

With insurance companies like Allstate, Farmers, State Farm and many independent agents having offices in Hoboken, it can be hard to know which will have the lowest rates and best service. To help decide, consumers can get online quoting in order to build a list of agencies to choose from.

How to buy car insurance from an agent in Hoboken

Educated insurance agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rates online is you can get the lowest rates but also keep your business local. And providing support for local insurance agencies is definitely important in Hoboken.

To find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to insurance agents in Hoboken who will return price quotes to get your business. There is no need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier!

The difference between Hoboken insurance agents

If you’re trying to find a local agent, there are two different agency structures from which to choose. Agencies in Hoboken can either be independent or captive. While both can insure your vehicles, but it’s worth mentioning the difference between them since it can impact the type of agent you choose

Independent Insurance Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage with many different companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you contact several independent insurance agents to ensure the widest selection of prices. Many write coverage with smaller companies which may provide better rates.

Shown below are independent insurance agents in Hoboken who may be able to give you rate quotes.

  • F Mac Cormack Agency – 80 Park Ave – Hoboken, NJ 07030 – (201) 792-1404
  • John Parchinsky Insurance – 313 1st St – Hoboken, NJ 07030 – (201) 792-8800
  • J Delatorre Agency – 200 Bloomfield St – Hoboken, NJ 07030 – (201) 653-3472
  • DMA Insurance Housing – 801 Madison St – Hoboken, NJ 07030 – (201) 653-5445
Captive Insurance Agents

Captive insurance agents are contracted to one company like AAA, State Farm, Farmers Insurance and Allstate. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers often buy from captive agents mainly due to the prominence of the brand and strong financial ratings.

The following are Hoboken captive insurance agents who can help you get price quote information.

  • State Farm Insurance – 129 Washington St # Ll – Hoboken, NJ 07030 – (201) 795-0004

To view a complete directory of Hoboken captive insurance agencies, simply jump to this page.

Picking an insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the agency provide any after hours assistance?
  • If your car is totalled, how to they determine the replacement cost?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they assist clients in filing claims?
  • Is the agency involved in supporting local community causes?

Upon getting acceptable answers for all questions you ask and an affordable coverage quote, you have narrowed it down to an insurance agent that is a good match to properly insure your vehicles.

Alternatives to buying from an agent

Local insurance agents serve a purpose, but New Jersey consumers also have the option to buy from online companies direct. Certain companies like State Farm and Allstate who sell through agents in Hoboken also allow consumers to buy a policy online, so this should also be taken into consideration.

If you’re concerned about not having professional advice when buying direct, that is quite common when buying online the first time. Online companies provide phone numbers and online resources you can use to get advice on coverages.

Is online auto insurance cheaper? Whether or not you’ll save is impossible to say since companies use quite a few components which can adversely affect your policy premium. It’s logical to say that a consumer who buys direct reduces premiums because there is no agent. But that assumption is generally incorrect because promoting brand recognition is pricey so the rates may be similar to buying from an agent.

One last thing

Affordable car insurance is available both online as well as from independent agents in Hoboken, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

People leave their current company for many reasons like denial of a claim, questionable increases in premium, an unsatisfactory settlement offer or being labeled a high risk driver. No matter why you want to switch, finding a new company can be less work than you think.

best Hoboken New Jersey agent

Learn more today

Additional car insurance information is available on the New Jersey Department of Banking and Insurance website located here. New Jersey drivers can report car insurance fraud, read consumer alerts, download brochures, and view a list of available companies.

Other useful links include these car insurance answers and this page where you can research Hoboken insurance agents.