CAN I PUT MORE THAN ONE VEHICLE ON MY POLICY?
Yes, some carriers will allow you to insure all household vehicles
on one policy and some carriers will allow only vehicles owned
SHOULD I SHOP AROUND?
Yes, the insurance industry has become very competitive in the past few years.
HOW CAN I REDUCE MY PREMIUM?
Ask about discounts for homeownership, security systems, and
increased deductibles, taking public transportation, financial
responsibility, advanced quote discounts, good student, drivers
training, defensive driving. Different carriers may offer a variety
of discounts, so inquire with each carrier.
WHAT IS THE ADVANTAGE TO HAVING AN AGENT?
The representatives are individually licensed by the State of New Jersey and are required to attend a set number of continuing education classes each renewal period. Therefore, agencies are current on the changes in the state and information they provide to the consumer. Agencies can represent a number of carriers allowing them to shop for the best price within their own office. This in turn makes less work for you. If you have a billing issue, claim, or general questions; you have a person you can turn to for help. An agent will recommend certain coverage such as liability limits in order to better protect your investments.
Many people are using the online carriers and finding that the liability they have chosen is inadequate. Unfortunately, they are finding out too late.
WHY DO YOU NEED MY SOCIAL SECURITY NUMBER?
Some insurance companies offer lower rates based on your insurance score.
IF I GET A TICKET WILL MY RATE GO UP?
Some companies will forgive a 2 point speeding ticket. Most of the time, the ticket will adversely affect your premium.
CAN I LET ANYONE DRIVE MY CAR?
You would want to check with your individual insurer as some companies have age restrictions. It would also be determined by the permissive use by that driver.
WHEN SHOULD I ADD ANOTHER DRIVER TO MY POLICY?
You should add the person if they live in the same household and have no insurance of their own. If they do not live with you, but have regular use of your vehicle, they should be added as well. Contact your agent to determine if you should include this person.
WHY AM I HAVING TROUBLE GETTING HOMEOWNERS INSURANCE JUST BECAUSE I HAVE A DOG?
Most dogs are not an issue. There is a list of dogs that are considered “vicious by nature” that are not considered desirable risks. This list of dogs has a history of biting and causing injury which the insurance companies have had to defend. Each carrier has their own list on dogs they will not write but are pretty much universal.