When pricing auto insurance in Union City, NJ, finding the best New Jersey car insurance agent takes more work than just driving to the closest agent’s office. You require a highly trained agent, and also want to find decent rates too.
Since consumers have many companies to choose from, it is very difficult to find the most cost effective insurer.
Comparing prices from Union City agents
Agents can point out coverage gaps and help file insurance claims. The biggest benefit of getting online price quotes is that you can obtain better rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your information is transmitted to agents in your area who will compete to get your business. There is no need to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy!
Selecting an insurance agent should depend on more than just the price. Some important questions to ask are:
- Do they regularly work with personal auto policies?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is their price quote a firm figure or are their hidden costs?
- Can they give you a list of client referrals?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they carry Errors and Omissions coverage?
- Does the agency provide any after hours assistance?
- How are claims handled?
The type of auto insurance agent you choose is important
If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Union City are categorized either captive or independent. Either one can write coverage properly, but it’s good to learn how they are different since it can impact the type of agent you choose
Captive Insurance Agents
Captive insurance agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Independent Agents
These agents do not work for one specific company but rather can write business amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, you should always include multiple independent agents for maximum quote selection.Many can place coverage with smaller regional carriers which can save you money.
Shown below is a short list of independent insurance agents in Union City that can give you rate quotes.
- Joseph Bonacci Agency – 1014 Kennedy Blvd – Union City, NJ 07087 – (201) 866-2926
- Viva Agency – 418 35th St – Union City, NJ 07087 – (201) 271-1133
- Uanis Insurance – 415 22nd St – Union City, NJ 07087 – (201) 865-0573
- Protection Insurance – 410 43rd St – Union City, NJ 07087 – (201) 865-7742
To view a complete directory of licensed insurance agents in Union City, view this link.
After getting positive responses and locked in a price quote, it’s possible that you found an insurance agent that is a good match to adequately provide auto insurance.
Does buying direct online save money?
Insurance agents can be invaluable at times, but New Jersey consumers also have the option to buy directly from online companies. A few companies, such as State Farm, Allstate and Farmers, who sell through agents in Union City also let you buy direct on their websites, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re uncomfortable with selecting your own policy coverages, this is normal but is quickly overcome. Auto insurance companies all have toll-free customer service to walk you through the process.
The only way to determine if local insurance agents or online providers are cheaper is to get free quotes from both and compare them. It’s not unheard of to actually get different prices from exactly the same company when they compare quotes from both.
Do customers save by switching to an online company? The answer to that question is complicated since there are so many components that influence how your policy is priced. It’s a common assumption that shopping online for auto insurance saves by not paying a commission. But in reality, marketing expenses are significant so rates may not be all that different from traditional agents.
Even more information can be found at the New Jersey Department of Banking and Insurance website. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, and find out which companies have the most complaints.
The articles below may also help you learn more about auto insurance in Union City
More comparisons equals lower rates
When you buy insurance online, never buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Consumers switch companies for a number of reasons such as delays in paying claims, policy cancellation, unfair underwriting practices and high prices. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
