To find a good Camden agent, we recommend you start your search using online quotes instead of calling around. For this article’s sake, it’s assumed you’re not only searching for a competent insurance agent, but you also want to find great rates as well.
With companies like American Family, Allstate, State Farm and Farmers having local Camden offices, it’s difficult to determine which one will give you the lowest rates and best service. To help decide, consumers can get online quotes in order to build a list of insurance agencies and price estimates.
Compare Camden agent rates online
Licensed agents can answer important questions and give you peace of mind. One of the great benefits of comparing insurance prices online is you may find the best rates and still choose a local agent. And supporting local agencies is especially important in Camden.
To find an agent, once you fill out this short form, the quote information is transmitted to participating agents in Camden who will compete to get your business. You never need to leave your house as quotes are delivered straight to your inbox. Now that’s easy!
Captive or Independent: There is a difference
When looking for a local agent, there are two different agency structures to choose from. Insurance agencies in Camden are categorized either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s worth learning how they are different since it may influence your agent selection.
Independent Agencies or Brokers
These agents are not required to write business for one company but rather can write business with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, it’s recommended you get quotes from several independent insurance agents for maximum quote selection.Most can insure with smaller regional carriers who may have lower rates.
Below is a list of independent insurance agencies in Camden willing to provide price quote information.
- M and C Insurance – 1024 Chestnut St – Camden, NJ 08103 – (856) 966-2543
- Irizarry Insurance – 3218 River Rd – Camden, NJ 08105 – (856) 963-2207
Captive agents can only write with one company such as AAA, Allstate and State Farm. They are unable to compare other company’s rates so always compare other rates. Captives are trained well on their company’s products which helps them compete with independent agents. Consumers frequently choose to use a captive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.
Shown below is a list of captive agencies in Camden that are able to give price quotes.
- Farmers Insurance Group – 1170 Haddon Ave – Camden, NJ 08103 – (856) 635-9201
For a complete listing of captive insurance agencies in Camden, please go to this site.
Selecting a car insurance agent should depend on more than just a cheap price. Any agent should have no problem answering these questions:
- Are they able to influence company decisions when a claim is filed?
- Do the coverages you’re quoting properly cover your vehicle?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency support the community they serve?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Once you have good answers to these questions and a good coverage price, most likely you have located an auto insurance agent that meets your needs to adequately provide car insurance.
Have you considered online alternatives?
Local insurance agents are perfect for certain consumers, but you can also buy New Jersey car insurance from online companies direct. Certain companies who have local Camden agents also give you the option to quote and buy online, so that should be considered if you want to do it yourself.
If you’re uneasy about not getting proper coverage when buying direct, this really isn’t an issue. Online car insurance companies provide options to answer any questions you may have. In addition, they usually offer a frequently asked questions page to make it easier to purchase.
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 get free quotes from both and compare them. Lots of times people will get different prices from the same insurance company from their online quote form as compared to an agent. You won’t discover where the best price is without getting separate quotes utilizing both methods.
Is pricing better online? Many people swear by it, but it’s difficult to answer because there are many factors that determine your policy premium. It’s a common assumption that buying car insurance online lowers rates due to not having any agent compensation. For most companies selling online, however, getting their brand in front of customers is expensive and this tends to eat up any savings.
Do the work, save more money
When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are too many instances where someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
Consumers switch companies for any number of reasons including questionable increases in premium, high prices, policy cancellation or policy non-renewal. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.
Additional New Jersey consumer information
Additional information can be read on the New Jersey Department of Banking and Insurance website found here. New Jersey drivers can get help finding coverage, view a list of available companies, report car insurance fraud, and file complaints about an insurance agent or broker.
The articles below may also help you learn more about car insurance in Camden