The top-rated auto insurance agent in Lakewood, New Jersey is PRIME Insurance Agency, rated 4.9 stars across 357 reviews. Other highly rated options include Cosmo Insurance Agency, Sterling Property and Casualty, Stonebrook Insurance Group. This directory lists 20 auto insurance agents serving Lakewood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRIME Insurance Agency | 960 E County Line Rd | (732) 886-5751 |
| 2 | Cosmo Insurance Agency | 1600 Ave of the States #408 | (732) 363-3888 |
| 3 | Sterling Property and Casualty | 20 4th St Suite 211 | (732) 730-7130 |
| 4 | Stonebrook Insurance Group | 500 River Ave Suite 230 | (732) 905-4100 |
| 5 | Mitchell Hnatt: Allstate Insurance | 1900 NJ-70 | (732) 477-6900 |
| 6 | Ben Goldfischer: Allstate Insurance | 300 Main St | (732) 719-4050 |
| 7 | Wilhelm | 699 Cross St #1 | (732) 961-1551 |
| 8 | Eternal Cover Insurance Agency | 200 Airport Rd | (229) 231-2544 |
| 9 | Insurance Agency New Jersey | 1166 River Ave | (551) 273-4713 |
| 10 | J&R Insurance Agency & Financial Services LLC | 1400 Ocean Ave | (732) 363-1625 |
PRIME Insurance Agency serves the Lakewood, New Jersey area as an auto insurance agent. The company works with clients to secure coverage for personal vehicles. Determining the appropriate policy limits and deductibles for local drivers involves weighing road conditions and state requirements. PRIME Insurance Agency helps with liability coverage to protect against claims from other parties. The agency also assists customers with uninsured motorist protection when other drivers lack sufficient insurance.
Cosmo Insurance Agency in Lakewood, NJ provides auto insurance policies tailored to individual driving needs and vehicle types. It offers comprehensive coverage options and personal assistance with claims filing and policy adjustments. Regular policy reviews are conducted to help clients maintain appropriate protection levels as circumstances change. The agency services single-family homes, apartments, retail establishments, and restaurants in the local area.
Sterling Property and Casualty serves homeowners, renters, and drivers in Lakewood, New Jersey, offering personalized auto insurance coverage tailored to individual needs. The agency helps clients navigate policy options to protect their vehicles and meet state requirements. Like other local agents, it provides guidance on deductibles and liability limits to fit a variety of budgets and driving situations. Its coverage area includes neighboring communities within Ocean County, such as Toms River and Brick.
Stonebrook Insurance Group serves the Lakewood, New Jersey area and surrounding communities, handling auto insurance policies for local drivers. It addresses standard coverage needs, including liability, collision, and comprehensive options, as well as required state minimums. The company assists clients in comparing plans from multiple carriers to find suitable protection. For each individual situation, it reviews driving history and vehicle details before presenting a tailored selection of available coverage choices.
Mitchell Hnatt: Allstate Insurance in Lakewood, NJ, drives the crucial contrast between the simple online quote and a policy tailored through personal consultation. A generic one-time rate check often misses nuances in liability and collision coverage that an agent can clarify for local drivers. By contrast, a recurring relationship with an agent ensures annual policy reviews, adapting coverage as vehicles age or driving patterns shift. Whether clients need a single discussion or ongoing adjustments, every service option is available on either a one-time, scheduled, or as-needed basis.
At Ben Goldfischer: Allstate Insurance in Lakewood, NJ, auto insurance specialists craft coverage plans tailored to individual driver needs and vehicle types. They also assist clients with policy reviews, liability limits, and comprehensive protection options for everyday commuting and local travel. As a local agency, they help drivers address the higher accident risks that arise during peak winter storm conditions along the Jersey Shore.
Lakewood drivers navigating the winter ice or summer tourist traffic often review their coverage for gaps or savings. Wilhelm in Lakewood offers personal assistance to match auto insurance policies with local driving demands. The agent handles common policy questions including liability minimums and comprehensive options for New Jersey roads. Clients can discuss individual commuting patterns or vehicle usage to potentially adjust deductibles or add roadside help. The first meeting involves a review of the current insurance declarations and a discussion of specific coverage needs.
Eternal Cover Insurance Agency in Lakewood, NJ is known for helping local drivers find suitable auto insurance policies that meet their individual needs. The agency serves clients throughout the Lakewood area by comparing coverage options from multiple insurance carriers. An experienced team assists customers with selecting liability limits, collision and comprehensive coverage, and medical payment provisions. This agency also offers roadside assistance as an optional add-on service, providing peace of mind for drivers on the road.
What Does an a Auto Insurance Agent in Lakewood Cost?
The average cost of auto insurance in New Jersey is about 1300 dollars per year for minimum coverage and over 2000 dollars per year for full coverage. Rates in Lakewood can vary based on factors such as your driving record, age, vehicle type, and credit history. Premiums also depend on the specific insurance company and coverage limits you choose. This is general information and not insurance advice.
About auto insurance agents in Lakewood
An auto insurance agent in Lakewood New Jersey helps drivers find coverage that meets state legal requirements. New Jersey law mandates that all drivers carry liability insurance with minimum limits of 15000 dollars per person and 30000 dollars per accident for bodily injury. Agents in Lakewood can also explain optional coverages like personal injury protection and uninsured motorist protection.
Frequently Asked Questions
What are the minimum auto insurance requirements in New Jersey?
New Jersey requires all drivers to have liability insurance with at least 15000 dollars per person and 30000 dollars per accident for bodily injury. You must also have 5000 dollars of property damage liability and personal injury protection coverage. An agent in Lakewood can help you understand these requirements.
How do I choose an auto insurance agent in Lakewood?
Look for a licensed agent who represents multiple insurance companies. Ask about their experience with New Jersey specific laws and local driving conditions. You can verify an agents license through the New Jersey Department of Banking and Insurance website.
Does my credit score affect my auto insurance rate in New Jersey?
Yes, New Jersey allows insurance companies to use credit-based insurance scores when setting rates. A higher credit score can lead to lower premiums. However, insurers must notify you if they take adverse action based on your credit information.
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