Four Ways to Save Money On Car Insurance

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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!

When You Need Disability and Long Term Care Insurance

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Nearly 20% of the population is disabled in the United States. It’s reasonable to assume that none of these people thought they would be unable to work because of a disability, but it happened. The unexpected happened and it changed their lives forever. Fortunately, while you are still able-bodied, you can take measures to protect your family’s future from disability and the rising costs of long term care using insurance in Chester, NJ. 

When to Purchase Disability and Long Term Care Insurance
Insurance products are always based on calculated risks. The best time to purchase insurance is when you don’t have many risks, such as health risk, work-related risks, etc. Ultimately, you should purchase disability and long term care insurance as soon as possible, earlier would have been better. 

Purchasing these types of insurances when you are younger means you pay less for each policy because you are considered less of a risk to the insurance company. For instance, an individual who purchases their long term care and disability at 20 will likely pay less than someone who purchases their policies at the age of 40. Why? Individuals who are 40-years old face more risks. They are more likely to file a claim than an individual who is 20-years-old.

Where to Purchase Disability and Long Term Care Insurance
Like other types of insurance, our insurance companies have a plethora of options available so that you can get the disability and long term care insurance that is right for you. By speaking with one of our licensed insurance agents today, you can make an informed decision about what type of insurance and what amount of insurance is right for your family in Chester, NJ.

3 Ways Your Commercial Auto Insurance Supports Your Business Strategy

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The Willowwood Arboretum in Chester, NJ is a great place for children to learn and explore outside. The Late Fall/Winter Photo Contest hosted by The Willowwood Arboretum is a great event that highlights the natural beauty in Chester. Whether you are taking your family or you are a business owner in search of your next photographer for your website, you will find the experience is one of a kind. 

Great photographers and delightful fauna are not all Chester, NJ, 07930 has to offer. Businesses that are interested in strengthening their competitive position can do so by purchasing their commercial insurance with our insurance agency. The following are three ways business insurance strengthens your competitive position.

We Offer the Best Value
As your local insurance provider, we pride ourselves on being a part of the local community while still managing to offer the best rates for business insurance. Whether your business needs auto, life, general liability, or umbrella insurance, we have an insurance product that will meet your needs. It only takes one phone call to get an insurance quote from our professional staff, to change the way you look at insurance. With great rates, your business does not have to worry about spending extra money to cover the costs of insurance, which makes our agency a great business partner.

Coverage When You Need It Most
Employee accidents make businesses vulnerable. The potential for getting sued makes many business owners reconsider why they went into business in the first place. Getting sued can be expensive, depending on the circumstances of the wreck. Fortunately, by partnering with our insurance agency, your business has the coverage it needs, when it needs it. So, instead of paying the costs of the medical bills and the legal fees on your own, call us to find out how our policies can share the cost with you.

We Keep Your Business Compliant
There are many reasons businesses should have insurance, but mostly it is to keep your business compliant. State regulations require a business to have certain insurance protections in place so that the business will have the coverage it needs in the event of an accident. We provide you with that insurance so that your business is not in violation of any laws, allowing you to remain open for business. 

As your strategic partner, our insurance agency provides you with the coverage you need to take your business to the next level. Give us a call to get quotes, so that we can help you determine what coverage is right for you.

Make Sure Your Chester, NJ Business Isn’t Zapped by Inadequate Coverage

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Chester, NJ is a remarkable place to live and to do business. It’s nostalgic shops and country atmosphere brings people from throughout the region to walk its old fashioned brick sidewalks. Antiques abound, as do crafts and art. Here you’ll find homemade candies and specialty boutiques with something for everyone. Ongoing events keep Chester vibrant, but yet it is a place where time seems to slow down.

Behind the preserved historic business facades along Main Street, however, could be a very modern problem. Many businesses are not adequately protected for damage that may occur to their business related electronics.

Electronics and computers are playing a critical role in business today, even small ones. Businesses invest in security systems, computers, servers, and cash registers. Electronics are involved in cash transactions and in online transactions. They are used to communicate with customers and manage payroll. Data and software also play significant roles, tracking inventory, keeping customer records, and maintaining business financial reports.

The reality is this reliance on electronics makes them much more valuable to a business than their mere replacement cost. With that thought in mind, some may not be properly protected with their business insurance.

If you do business in the 07930 zip code, we can help. As an independent insurance agency, we can review your coverage. If you wish, we can search multiple companies to compare coverage and rates. There’s no obligation.

We also offer comparative rates for auto and homeowners insurance online at our website. This is a good way to compare what we can do for you. If you would like to know more, contact us. We may be able to save you money while improving your peace of mind. We can help resolve a modern problem for businesses in a very traditional business district.

Home Insurance: Do Quotes Matter?

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Chester is a small town of NJ that offers a lot to residents and tourists alike. There are many specialty shops to buy crafts and souvenirs and there is one of the largest craft fairs in the nation held in Chester. Only around 1500 people call this area home, though there are many nearby cities that offer residents opportunities to enjoy the hustle and bustle when they desire.

When you call Chester home and you’re a homeowner, you want to look at the most affordable policy possible. Whether it’s just you or you have a home full of kids, coverage is important. It’s important to get quotes so you know how to make some comparisons.

Here’s what quotes can do for you:

– Tell you the coverage options

– Show you the companies you can choose from

– Provide costs for premiums

When you get quotes, it gives you a better chance to control what you pay for home insurance so you know you’re getting the maximum amount of coverage without spending a fortune in the 07930 area.

We are a home insurance agency and our independent agents work with a variety of insurance companies. This makes it easier to get quotes in Chester, NJ without you having to call the individual companies on your own. It takes less time and the quotes are in front of you to make a more informed decision.

Our agents are available so you can ask them questions about coverage, common claims made in the 07930 area, and more. This makes it easier to find a policy and be confident that you have chosen the best option for you and your family.

Learn more about how our home insurance agency can help you. Call and discuss details with one of our insurance agents today!

 

 

home insuranceagency

Can I Get Cheap Insurance And Still Be Protected?

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Chester, NJ is a small town, but there are a lot of things going on. There are many parks and farms throughout 07930 and the town is host to one of the largest craft fairs in the country. Only 2,000 people call the town home, though there are more than 80 specialty shops and this helps to bring in visitors from all over the state and beyond.

When you’re a homeowner in Chester, you have to explore home insurance so that it is cheap while still protecting you and your family. It’s possible to get all the coverage you need and still have an affordable policy.

Think about all the areas you want coverage:

– Fire

– Smoke

– Flood

– Storms

– Personal Injuries

– More

We have agents to help you find the coverage so you don’t have to worry about what is and isn’t covered on your home in 07930. This way, if you have carpet damage because of a storm, a fire, or anything else, you can call and file a claim. The insurance company will pay and you can go about your life without spending a fortune to replace the carpet – or anything else that may have been damaged.

You can get a cheap home insurance policy and that’s because our agents do all of the work. We will get quotes from multiple insurance companies. This way, you can make some quick comparisons to see what everyone is offering. As long as a company has the coverage you want, you can choose them. A cheap policy is possible and by getting multiple quotes, you can ensure you’re not spending more than what you need to.

Let us start helping you with a cheap policy today. Call and talk to one of our agents.

 

How To Protect Your Antique Car

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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?

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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

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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.

The Coverage Characteristics of Home Insurance in Randolph, NJ

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Homeowners in Randolph, NJ face a variety of risks, most of which you can protect against with the right insurance policy. You know you need to protect your biggest investment, but choosing the right home insurance company and understanding the coverage options available can seem like a nightmare. It doesn’t have to be. These tips will help break down your home insurance options so you know what you’re looking for before you start collecting quotes.

Types of New Jersey Home Insurance Coverage

Coverage A: Dwelling Insurance

This type of coverage protects the structures of your home against damages; that includes the plumbing, wiring, heating and cooling systems, and other built-in features. The exact amounts covered and the causes of these damages vary in each policy.

Coverage B: Other Home Structures

This type of coverage insures any other structures on your property, including sheds, separate carports, and fences, up to a certain limit.

Coverage C: Personal Property

This type of coverage receives the most claims; it includes coverage against theft, vandalism, and damages caused by storms, fires, or other risks covered by your policy. Most personal property policies insure items for their actual cash value, though most policies limit the amount they’ll reimburse for valuable items like electronics and jewelry.

Coverage D: Loss of Use

Loss of Use coverage applies when your home is damaged to the point that it’s no longer livable. In this case, your policy will pay for alternate housing and possibly even restaurant meals until your home can be repaired.

Flood Insurance

The State of New Jersey makes it clear that standard homeowners’ insurance policies exclude flood insurance. You’ll have to purchase flood insurance as a separate policy if you want the coverage. A local, independent home insurance company will be able to talk to you about your options and suggest coverages that will best protect your home.