Being a resident of New Jersey usually meant you are paying some of the most expensive personal insurance rates in the nation. Over the past three years insurance companies and state representatives have finally come together to work on solutions to rectify this problem, which has thankfully resulted in an increase in competition and lower insurance rates. With an increase in competition, companies have become creative to find their niche markets and to soak up as much market share as possible. Now a few companies, have taken it even further and created discounted package policies that result in some of the lowest priced insurance offered by an A rated company.
Do not sacrifice Coverage....Unfortunately some companies may look competitive on the top layer, getting away with offering bare bones coverage, 1/10 the NJ standard!! It is extremely important, especially in this economy to protect yourself and your assets from falling into a vulnerable position. Certain companies however, have created a package product that enables their clients to bundle their auto with their home insurance, and include a variety of other supplemental products into the same policy, same policy number. This may also include but not limited to their personal umbrella policy (excess liability), boat, scheduled jewelry or fine arts, R.V and vacation homes. The total savings could equate to 24% off the auto segment, and 17% off of each property location.
What is the first step?.... The first step is to gather copies of your existing policy "declarations pages." These pages are usually the first 2-3 pages of the policy booklet outlining your individual coverage's, effective dates and listed members on the policy. Once you have that paperwork you want to set up an appointment to review your individual needs to make sure you are adequately insured. Once policies are reviewed, all companies are quoted and it usually within one day you will be provided great news. The process is effortless, and the results are usually very favorable leading into the same if not better coverage, at a highly discounted rate!!
Why an independent insurance agent??....There is much value in building a relationship with an agent. Personalized, custom tailored service, and a vast selection of companies to offer is just the beginning. Insurance agency's appreciate the business relationships and look forward to being your one stop shop for all personal & commercial insurance. We for example, represent a total of 15 companies, enabling us to continuously shop your insurance for you, while making sure you are always fully protected. You usually will never see any agency fees, and are provided the same level of service on each & every renewal as well. Having a personalized team in your corner leads to the best form of protection and always provides the best in product, service and pricing!!
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Robert Wilkens Insurance Agency
Full service insurance agency representing over 11 "A rated" insurance companies specializing in home/auto/small business insurance.
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