Safe Driving Tips For Teen Drivers

Teen drivers are not always the safest. This is because they are so excited that they have a license that they forget all of the different rules. They may invite their friends in the car and they are showing off instead of paying attention to the road. There are some safe driving tips that you can implement in order to keep everyone safer.

Sign a Pact

Agree on some terms so that you and your teen driver are on the same page as to what is and isn’t allowed. Identify some punishments if they do not follow. Then, have them sign the pact. Various online packs are available as well, including making sure that they don’t text while driving.

Limit Night Driving

There may be state laws involving nighttime driving for teens, and this is something to be aware of. You can limit the amount of driving that they do at night as well, such as setting and 8 PM curfew.

Limit the Number of Friends

Friends can often cause trouble when they are in the front and back seat. This is because they are rambunctious and may even be adding the teen driver on to be riskier in the way that they drive. By limiting the number of friends in the car, you can keep your teen safer.

Write Out the Rules

Have the rules posted rather than simply having a conversation. Teens are not always known for their listening skills. Better yet, have your teen write out the rules so that they are more likely to remember everything that the two of you have talked about.

At The Insurance Outfit, we are here to help you with auto insurance. Contact us today and let us find you a policy in Chester, NJ that works for you and your teen.


Finding The Perfect Used Family Car Doesn’t Need To Be Hard

Throughout Chester, there are a lot of used cars out there. You want to love the car you buy for the family. Finding the perfect one is a lot easier than you might think. It’s simply important to know a few things before you start the process.

The first thing to know is that there is something known as “certified, pre-owned. This is all about the car going through an inspection that meets manufacturer standards. There’s also an extended warranty, which means you won’t have to worry about major repairs within the first year.

There are a few other tips to follow:

  • Always test drive the car
  • Look at a few different dealerships
  • Don’t be picky on color

You want a family car that is going to last, and this means knowing about the integrity of the engine and the other things under the hood. Have a mechanic take a look at the car – one that is not associated with the dealership. If you ask to drive the car to a local garage and the dealership says no, consider choosing a different dealership.

Finally, be aware of the value that you’re going to get. This means looking at the age of the car, the mileage on the odometer, as well as the price that you’re going to pay. To save money, you can get an older car. However, you don’t want to get such an older car that you have to worry about expensive repairs soon after driving off of the lot.

Take the time to do your research at the dealerships.

You need to have auto insurance coverage in Chester, New Jersey. Call us at The Insurance Outfit and one of our independent insurance agents can answer questions, find quotes, and generally hope you get a policy you can count on.



5 Ways To Ready Your Car For Fall In New Jersey

It’s important to prepare for the weather in NJ. There are five ways to prepare so you can deal with what the fall and winter months are going to bring. By taking the time to schedule the inspections and such, you can drive around town with more peace of mind.

Check Brakes

One of the last thing you want to worry about is whether your brakes are going to grip the roads or not. When there is ice or a problem on the road, you want to be able to stop and know that your brakes are capable of doing the job.

Schedule HVAC Inspection

An HVAC inspection is going to look at your heating system, the ventilation, as well as your air-conditioning. This will ensure that you are comfortable as you drive and that the defroster will take care of clearing the windows as needed.

Buy New Wiper Blades

New wiper blades should be purchased in the fall so that you are able to clear off ice, sleet, and anything else that may land on the window. If you have a back windshield wiper, these need to be replaced as well.

Have Tires Checked

Your tires need to be checked for bald spots, bulges, and more. The tire pressure can change as the weather gets colder and a significant amount of tread depth is required to grip the roads effectively, especially once it starts to snow in the winter months.

Schedule Maintenance

You should also schedule maintenance with your local mechanic. This will allow you to find out what needs to be done based on the make and model of your car as well as the amount of mileage that you have.

Call and talk to one of our independent insurance agents at The Insurance Outfit today. We look forward to helping you find a policy in NJ that works for you.



Reduce the Cost of Your Road Trip with These 3 Tips — And Make Sure You’re Insured

At The Insurance Outfit, we know first-hand how important saving money is to drivers in Chester, NJ. Our independent insurance agents help people find ways to save on their auto insurance every day. In order to further serve the drivers of Chester and nearby New Jersey cities, we’ve compiled a few ways to reduce the costs of road trips.

Reducing the Cost of Road Trips

If you’re planning a road trip, there are a few things you can do to reduce how much the adventure will cost you. The most significant thing you can do is drive a small, fuel-efficient car. If you only have a large, gas-guzzling SUV, consider borrowing someone’s car or even renting one (although this would increase the cost of your trip). You can further reduce your expenses by driving the speed limit, using cruise control which will improve your gas mileage, and staying with friends, rather than in hotels.

Keeping Your Auto Insurance Policy

If you borrow a friend’s vehicle to save on gas, make sure you’ll still be insured while on the road. Your friend should have auto insurance that will provide you with coverage, but you should still have your own auto insurance policy that will provide coverage while driving your friend’s car.

If you have questions about whether either your friend’s or your auto insurance policy will cover you while driving your friend’s car, feel free to contact our independent insurance agents. They can review your policy, and they can help you find a different policy if yours doesn’t provide the protection you need. To get in touch with our auto insurance agents, contact us through our website or call our office.


Keep Your Vehicle Running Smoothly This Summer and for Years to Come

Summer is a great time of year, but the hot weather can be tough on your vehicle. In order to keep you car or truck running smoothly for years to come, you’ll need to give it some attention this summer. We at The Insurance Outfit have three specific suggestions for taking care of your car this summer.

Keep Your Vehicle Running Smoothly

Automobiles can run for years, reaching hundreds of thousands of miles when they’re properly maintained and operated. To ensure that your vehicle lasts a long time, be sure to:

  • check its fluids regularly
  • maintain proper air pressure in its tires at all times
  • fill up the gas tank before the empty light comes on

None of these actions takes long to do, but they can have a lasting impact on the life span of your vehicle if you see to them.

Insure Your Vehicle

In addition to properly maintaining your automobile, you also need to carry auto insurance. Your auto insurance needs may change as your vehicle ages. An older car might not need the same amount of protection as a new one. At The Insurance Outfit, we can help you find auto insurance now, and we’ll be there when you need to adjust your coverage in the future.

For help finding auto insurance, either log onto our website or give one of our independent insurance agents a call. Regardless of how you contact us, as an independent insurance agency we will compare all of the policies offered by insurers in New Jersey to help find you the best one. We’ve helped many drivers in Chester, NJ, and we’re ready to assist you, too.

Four Ways to Save Money On Car Insurance

When it comes to saving money on auto insurance, there are several tips and tricks you can follow.  Here’s a closer look at these tricks and how you can use them to lower your premium amounts.

Set up auto pay

Many insurance companies will allow you to earn a discount if you set up your premiums to be paid automatically out of your checking or savings account each month.  It might not be a huge discount, but even $5 a month adds up to a total savings of $60 a year.  

Opt for liability insurance

There are three basic types of insurance:

  • Liability
  • Liability with comprehensive coverage
  • Full coverage

Full coverage is usually the most expensive with liability being the cheapest.  If you have a car that is valued under $5,000, you might want to consider investing in a liability-only policy or liability and comprehensive coverage.  While full coverage is nice to have, being that the premiums are higher than liability coverage, it may be more reasonable to invest in a cheaper policy being that the car isn’t worth very much.  An insurance agent can help you decide whether or not to invest in full coverage. 

Ask for special discounts

Depending on where you live and what you do for a living, you may qualify for certain discounts.  Take for instance that you’re a full-time student at a local college.  Being a student with good grades usually qualifies you for a discount of anywhere from five to 20 percent. The more claims you make, the higher your rates will be.  Thus being accident-free is sure to keep your rates lower.  

To learn more about saving money on your auto insurance, contact us today!

How To Protect Your Antique Car

Chester, NJ is a charming little town that has a lot going for it. Residents and tourists alike come to visit the more than 80 specialty and artisan stores. Each year, a large craft fair is hosted and it’s one of the biggest in the country. There are also many farms and parks to enjoy while in the town that has less than 2,000 people living in 07930 year round.

If you have an antique car which is a collectible, you will want to make sure you have the right coverage. Traditional car insurance is not going to be effective because the values are going to be all wrong. If something were to happen to your car, either on the road or off, you want the real value for your car, not what the depreciated value is.

This is why you will need classic car insurance in Chester, NJ. This will help you get the right protection so you can drive your car down the highway or through town with confidence knowing that if something happens, you will have the ability to make repairs or even a replacement.

Your car isn’t being manufactured anymore and therefore it’s worth more. Parts are hard to find and if you were to put your car up at auction, it’s going to sell for a lot more than what it could have been purchased for new many years ago. Classic car insurance companies understand this and it’s why you need to work with them.

We have independent agents who know about collectible cars and can talk to you about the kind of coverage you need. When you’re in the 07930 area, you want your antique to be covered. Contact one of our agents today and let us help to get you a policy.

My Clear Coat Is Ruined — Am I Covered?

Chester, NJ 07930 is a small town on the western side of the state. With a population of only about 1500 people, there is a very neighborly feel to the area. Many specialty shops exist and various events are held throughout the town each year. They are also home of one of the top craft fairs in the nation, which brings in a number of tourists.

When you shop for car insurance in Chester, you have to look at all that is covered. The last thing you want to deal with is clear coat or anything else. If your clear coat is ruined as a result of hail damage or anything else, you will want to turn to your insurance company for them to pay for the repairs so you don’t have to pay out of pocket.

You likely think about car insurance as the way to cover yourself in the event of an accident. Hail damage can be covered within your policy in Chester, NJ, though you may have to add it. Your policy can provide all sorts of coverage beyond what occurs in an accident.

Comprehensive coverage is what you want on your car insurance policy in the 07930 area. This way, if your clear coat is damaged from hail, you can file a claim with the insurance company. This kind of coverage will provide coverage for other things as well, such as a cracked windshield, damage from a shopping cart in a parking lot, and more.

If your clear coat is ruined from hail, you will want the coverage. This way it can get repaired so you don’t mess up your paint and no rust can form on the body of your car.

We have agents to help you get the necessary coverage in Chester, so call today!

Buy Cheap Auto Insurance in Hackettstown, NJ

There are a variety of ways to save on auto insurance in Hackettstown, NJ. Depending on your goals and the budget that you have set, the best ways to cut back and enjoy the coverage that you need can vary. Generally, you can find affordable rates by comparing your options and obtaining discounts that may be available through the insurance provider.

Getting Low Rates

Depending on your goals, the best rates and options can vary. Start by comparing your options to get the best rates for the basic coverage. Hackettstown, NJ only requires a basic policy, but you may want to purchase a standard or comprehensive plan to get the protection that you feel is appropriate for your vehicle.

Compare several rates to get the best prices. Insurance providers will offer a variety of options and you can look at several companies to find the premiums that you feel are appropriate.

Apply Discounts

The discounts that apply to any account will depend on the insurance provider and the plans that are available. In general, you can expect discounts for good drivers, taking defensive courses or getting good grades in school. Members of the military or certain club memberships may also result in discounts, but the options that are available can vary.

Cheap insurance can be available when you apply discounts, even if the initial rate seemed higher than you preferred. You can also increase the deductible to help reduce your basic rates.

There are several ways to enjoy cheap and low-cost insurance for your vehicle. The key is finding the auto insurance policy that addresses your needs and is appropriate for your personal budget or plans. To learn more about reducing your rates and getting the best coverage for your situation, contact us to talk to an agent today.

Affordable Car Insurance Quotes and Rates Online – Randolph, NJ

Have you ever heard about someone being involved in an auto accident without car insurance? If not, take our word for it, it is dreadful. The stress involved in the repair of your own car, medical bills, the repair of another party’s car, and their potential medical bills is staggering. It is enough to make you wonder why anyone would get behind the wheel of a car without protection.

We are quite proud of the car insurance offered by our Randolph, NJ office. Rather than having to travel from insurance agency to insurance agency looking for the best rate, our clients can simply log online, type in the answers to a few simple questions, and be presented with a side-by-side comparison of several policies.

All alone, from the comfort of your home, you are able to study the policies. Maybe you want more personal liability than a particular policy offers. Perhaps you are looking for a better rate. Whatever your special need, looking at several policies at once allows you to compare apples with apples, to make a financial decision that makes sense for you.

We understand how busy your schedule can become and how little time you have available to shop for a new policy. That’s why we’re thrilled to make it so easy. Whether you are looking for auto or home insurance, our online cost comparison feature makes it easy. Of course, we’re always here to answer any questions you may have, but if you are the kind of buyer who is most comfortable getting to know the basics on your own, we think you will enjoy the way we do business.

There is no reason to go into the world without auto insurance, particularly when we make it so easy to buy coverage.