Lowest Rates from Trenton Car Insurance Agencies

When shopping for car insurance, you have many choices and picking a good New Jersey insurance agency is harder than just using the same car insurance agent as your neighbor. You require a good agent, but also need the best possible rates.

Multiple auto insurance agents compete for your business, and it can be difficult to compare rates and get the definite lowest rate possible.

Local Trenton car insurance agents

Agents can help determine the best coverages and give you someone to call. The best thing about price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this simple form, your coverage information is sent to local insurance agents in Trenton who will compete for your insurance coverage. You never need to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier!

Deciding on a car insurance agent should depend on more than just the price. These questions are important to ask:

  • Which company do they place the most coverage with?
  • Do they regularly work with personal auto policies?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are you getting all the discounts the company offers?
  • Do they make recommendations based only on price?

Trenton auto insurance agents are either independent or captive

When finding local Trenton agents, you must know there are a couple types of insurance agents from which to choose. Trenton agents are classified as either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth learning how they differ because it can influence buying decisions.

Captive Agents

These agents can only write with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so always compare other rates. They are well schooled on their products and sales techniques which can be an advantage.

Listed below are captive insurance agents in Trenton that can give you comparison quotes.

Allstate Insurance – 2273 Highway 33 # 205 – Trenton, NJ 08690 – (609) 587-2196
State Farm Insurance – 2620 White Horse Hamilton Rd – Trenton, NJ 08690 – (609) 586-0657

Independent Insurance Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, we recommend you get quotes from at least one independent agent to get the best comparison.

Shown below is a short list of independent agents in Trenton willing to provide rate quotes.

Richard E Maziarz Agency – – Trenton, NJ 8628 – (609) 771-9533
Deswert Insurance – 1400 Cedar Ln – Trenton, NJ 08610 – (609) 587-9887
Steven Wolf Insurance – 127 Us Highway 206 # 20 – Trenton, NJ 08610 – (609) 581-8500
Gandelman Agency – 684 Whitehead Rd – Trenton, NJ 08648 – (609) 695-1496
Fell and Moon Agency – 2277 Route 33 – Trenton, NJ 08690 – (609) 587-1600

For a full directory of car insurance agents in Trenton, click here to link.

Once you have acceptable answers to your questions and a low price estimate, you may have just found an insurance agent that will insure your vehicles.

Isn’t it cheaper to buy direct online without an agent?

Licensed agents are important to many people, but you also have the option of buying New Jersey car insurance from companies direct over the internet. Certain auto insurance companies, such as Farmers Insurance and State Farm, who have local Trenton agents also permit you to buy a policy online, so that should be considered if you want to do it yourself.

If you’re uncomfortable with not getting proper coverage when buying car insurance direct, this really isn’t an issue. Car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options for customer questions. In addition, they usually offer anytime access to help and a customer research section that you can use before buying.

Does it save money buying online? The answer is complex due to the fact that there are multiple individual factors that influence how your policy is priced. It’s logical to say that buying car insurance online cuts out the middleman. In reality, marketing their products costs a lot of money and this tends to eat up any savings.

Trenton NJ insurance agency

More detailed New Jersey car insurance information is located at the New Jersey Department of Banking and Insurance website. Visitors are able to find a variety of consumer forms, read consumer alerts, and find out industry alerts.

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Final thoughts

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Cheap car insurance can be purchased both online in addition to many Trenton insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.