Vineland Auto Insurance Agency Rate Comparisons

When finding a licensed insurance agent in Vineland, it’s recommended you start your research on the web rather than picking up the phone. We’re guessing you not only want a good agent that listens to you, but also affordable coverage.

With independent agents, Allstate and State Farm having offices in Vineland, it’s hard to tell which will have the best rates, service and coverage. Thankfully, consumers can use online quoting to assemble a group of agencies to choose from.

Save time by quoting online

Good agents can help determine the best coverages and help in the event of a claim. The best thing about comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. Buying from small agencies is especially important in Vineland.

To find an agent, once you fill out this quick form, the coverage information is submitted to insurance agents in Vineland who will compete to get your business. You don’t have to visit any agencies due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Insurance agent types

When looking for a local agent, there are two types of insurance agents to choose from. Insurance agencies in Vineland can either be independent or captive.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company but rather can write business with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, you should always get quotes from multiple independent agents to have the most options to choose from. They often place coverage with lesser-known insurance companies who may have lower rates.

The following is a list of independent insurance agents in Vineland that can give you pricing information.

  • HWS and Assoc Insurance – 1180 Karin St – Vineland, NJ 08360 – (856) 692-7335
  • High Point Auto Insurance – 2647 E Chestnut Ave – Vineland, NJ 08361 – (856) 691-7765
Agency Captives

Captive insurance agents work for only one company and examples are American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. They are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers often choose to use a captive agent mainly due to the prominence of the brand and solid financial strength.

Shown below are captive agencies in Vineland willing to provide price quote information.

  • State Farm Insurance – 2630 E Chestnut Ave – Vineland, NJ 08361 – (856) 692-6968
  • Allstate Insurance – 1181 E Landis Ave # 4 – Vineland, NJ 08360 – (856) 205-1154

To view a complete directory of auto insurance agents in Vineland, simply jump to this page.

Picking an insurance agent shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:

  • How much can you save by raising your physical damage deductibles?
  • What is the agency’s Better Business Bureau rating?
  • Are they able to influence company decisions when a claim is filed?
  • Who is covered by the car insurance policy?
  • Can they give you a list of client referrals?
  • Which company do they place the most coverage with?
  • Do they assist clients in filing claims?
  • Is vehicle damage repaired with OEM or aftermarket parts?

After getting reasonable responses to any questions you have and an acceptable price quote, you’ve probably found an auto insurance agent that is a good match to adequately provide auto insurance.

Online companies are an option

Auto insurance agents serve a purpose, but you also have the option of buying from online companies direct. Some specific companies who have local Vineland agents also allow you to get quotes and purchase online, and online price comparisons are easy if you don’t want to take the time to contact agents.

If you’re apprehensive about not having someone to ask questions when buying car insurance direct, this is normal but is quickly overcome. Companies have toll-free phone numbers and other options for getting the best coverage.

Is online auto insurance cheaper? It’s difficult to say for sure since there are so many components that influence how your policy is priced. It’s a logical assumption that buying car insurance online reduces premiums because there is no agent. But the fact is, marketing their products costs a lot of money so rates may not be all that different from traditional agents.

Additional information is located on the New Jersey Department of Banking and Insurance website located here. New Jersey consumers can file complaints about an insurance agent or broker, read industry bulletins, read state legal mandates and laws, and view agent and company licensing information.

Vineland NJ car insurance agent

In Summary

Affordable auto insurance can be bought from both online companies in addition to many Vineland insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.