Insurers that Write Private Passenger Auto in New Jersey

Hello my Viewers, here is the list includes all insurance companies that write private passenger auto insurance and companies newly admitted to New Jersey. Please see the notes next to each insurer's name for any restrictions on new applicants. These companies provide Auto insurance quotes in NJ- New Jersey/ Car insurance quotes NJ- New Jersey.

 

21st Century Group

•        21st Century Centennial Insurance Company

•        21st Century Assurance Company (not accepting            any new business)

•        21st Century Pinnacle Insurance Company (not                accepting any new business)

Contact : 1-800-807-9458 (21st Century Centennial)
                    1-800-241-1188 (21st Century Assurance, 21st                                                                Century Pinnacle)

Website : www.21st.com

ACE Group

•         Atlantic Employers Insurance Company

•        Bankers Standard Insurance Company

Contact : 1-800-444-6161

Website : www.aceprs.com

Allstate Group

•        Allstate New Jersey Insurance Company (not   accepting any new business)

•        Allstate New Jersey Property and Casualty        Insurance Company

Contact : 1-866-222-4586

Website : www.allstate.com

American International Group

•         AIG Property Casualty Company

•        Insurance Company of the State of Pennsylvania

Contact : 1-866-856-6858

Website : www.aig.com

Amica Group

•        Amica Property and Casualty Insurance Company

•        Amica Mutual Insurance Company

Contact : 1-800-242-6422

Website : www.amica.com

Bristol West 

•        Foremost Insurance Company Grand Rapids,    Michigan

Contact : 1-888-888-0080

Website : www.foremost.com
                     www.bristolwest.com

California Casualty & Fire Insurance Company

(membership group for educators, firefighters and nurses)

Contact : 1-866-680-5143

Website : www.calcas.com

California State Auto Group

•        CSAA Mid-Atlantic Insurance Company of          NJ (not accepting any new business)

•        CSAA Affinity Insurance Company (not                accepting any new business)

•        CSAA General Insurance Company

Contact : 1-800-542-9544 (CSAA & CSAA Affinity) 

                    1-888-222-0094 (CSAA General)

Website : www.aaa.com (AAA/CSAA)
                     www.AAA4insurance.com (CSAA General)

Encompass Group

•        Encompass Property and Casualty Insurance     Company of NJ

•        Encompass Insurance Company of NJ (not          accepting any new business)

Contact : 1-800-262-5238

Website : www.encompassinsurance.com

GEICO Group

•        Government Employees Insurance Company

•        GEICO Casualty Company (not accepting any     new business)

•        GEICO Indemnity Company

Contact : 1-800-861-8380

Website : www.geico.com

Harleysville Group

•        Harleysville Insurance Company of NJ (not        accepting any new business)

•        Harleysville Preferred Insurance Company

Contact : 1-800-523-6344

Website : www.harleysvillegroup.com

Hartford Group

•        Hartford Insurance Company of the Midwest
                (membership company for AARP)

•        Hartford Underwriters Insurance Company
                (membership company for AARP, not    writing new business)

•        Hartford Fire Insurance Company

Contact : 1-800-843-7824 (AARP)
                    1-800-460-9783 (Non-AARP)

Website : www.aarp.thehartford.com/mypolicy (AARP) 

                     www.hartfordauto.thehartford.com 

                                (Non-AARP)

Hartford Group

•        Hartford Insurance Company of the Midwest
                (membership company for AARP)

•        Hartford Underwriters Insurance Company
                (membership company for AARP, not    writing new business)

•        Hartford Fire Insurance Company

Contact : 1-800-843-7824 (AARP)
                    1-800-460-9783 (Non-AARP)

Website : www.aarp.thehartford.com/mypolicy (AARP) 

                                 www.hartfordauto.thehartford.com 

                                (Non-AARP)

Kemper Direct Group

•        Response Insurance Company

•        Unitrin Direct Insurance Company (not accepting any new business) 

Contact : 1-800-253-7744

Website : www.kemperdirect.com

Liberty Mutual Group

•        Liberty Mutual Fire Insurance Company (not     accepting any new business except Basic             policies)

•        Liberty Mutual Mid-Atlantic Insurance                 Company (not accepting any new business)

•        Liberty Insurance Corporation

•        LM Insurance Corporation   

Contact : 1-800-526-1547
                    1-800-524-9400 (Sales)
                    1-800-225-8285 (Service)

Website : www.libertymutual.com

Progressive Group

•        Progressive Freedom Insurance Company (not                accepting any new business)

•        Progressive Garden State Insurance Company

•        Drive New Jersey Insurance Company

Contact : 1-800-PROGRESSIVE

Website : www.progressive.com

State Farm Group

•        State Farm Guaranty Insurance Company

•        State Farm Indemnity Company

Contact : 1-800-STATEFARM
                    (1-800-782-8332)

Website : www.statefarm.com

Travelers Group

•        St. Paul Protective Insurance Company

•        Fidelity & Guaranty Insurance Underwriters,    Inc. (not accepting any new business)

•        Automobile Insurance Company of Hartford,    Connecticut(for assigned risk business only)

Contact : 1-888-695-4625
                    1-800-692-6837
                    1-800-526-6260

Website : www.travelers.com

USAA Group (membership group for military personnel)

•        USAA Casualty Insurance Company

•        United Services Auto Association

•        USAA General Indemnity Company

•        Garrison P&C Insurance Company

Contact : 1-800-531-8722

Website : www.usaa.com

THANK YOU

Indemnity Insurance, Liability Insurance

If you've established your freelance writing as a business, have you thought about carrying some kind of insurance, such as indemnity insurance or liability insurance? Or, are these phrases Greek to you?

Here are some reasons you may want to carry insurance, along with the different kinds of insurance to look into.

Indemnity Insurance ("Errors and Omissions Insurance") for Freelancers

This kind of insurance is also called professional liability insurance or professional indemnity insurance, and protects you against being sued by clients or former clients claiming that your writing or the product you made was somehow negligent due to an error or accidental omission. This kind of suit would be brought in the civil court system and could cost you a lot of money. Obviously, this would not cover cases that would end up in criminal court! It is an insurance that is similar to the malpractice insurance that doctors hold; it is insurance that covers you and limits your liability while you are in the process of doing your job. This is a type of insurance that is very often carried by consultants and independent contractors. Thursday Bram details some potential scenarios and issues that this kind of insurance typically covers.

Liability Insurance for Freelancers

This is "slip and fall" insurance- that is, it's insurance that covers you were someone to be injured on your premises. Other scenarios include dog bites, etc. Obviously, if you're not having clients or subcontractors visit your house, this may not be an issue. However, bundling insurances together can often lead to a significant discount, and you'll want to be able to invite people to your house in a pinch, so do give this insurance a second look.

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Home Insurance for Freelancers

If you write from a home office, consider checking in with your home insurance agent. You need to make sure that your home insurance also covers your home office and the items inside it. I'm looking at two laptops and a printer that would cost me nearly $5000 to replace were they damaged in a fire or lost in a robbery. Now, I think they're covered under my home owners insurance, but you never know unless you check. What if your insurance requires a rider or a separate policy? You would not want to find that out as you're recovering from a tragic event.

Contents Insurance for Freelancers

Contents insurance is similar to the above, but specifically covers the items in your office (such as the aforementioned laptops).

Auto Insurance for Freelancers

Do you use your vehicle to visit clients, get to meetings or do marketing tasks? Check with your car insurance agent to make sure that these uses are covered under your vehicle insurance.

Business Interruption Insurance for Freelancers

This kind of insurance ensures that you have a consistent income were your business operations interrupted by some type of natural disaster. Arrangements vary, but could save you lots of grief.

Disability Insurance for Freelancers

Freelancers aren't covered by employers like the rest of the working world. Disability insurance ensures that you'll continue to have an income if you were hurt or injured and couldn't write. I found some great deals and low monthly payments on disability insurance at the Freelancers Union.

Health Insurance for Freelancers (and National Insurance)

I have addressed health insurance for freelancers here. The national conversation about health insurance is in a state of change since national insurance requirements are changing, too.

Dental Insurance for Freelancers

I've found some dental coverage options at the Freelance Union website, too. Again, they seem affordable. Also, be sure to check out my articles on freelance health insurance, as these same pools and providers may be helpful in locating dental insurance.

Life Insurance for Freelancers

The Freelance Union says that your valuable, and I'm sure your family feels the same way! Life insurance makes sure that your death isn't an undue burden on your family, and provides them a stream of income to replace yours. The Union has some pretty affordable rates.

Media Insurance for Freelancers

I first learned about media insurance at Women on Writing. It's also called "media perils" insurance. The article describes it as a protection against defamation and libel suits, which certainly seems necessary in this day and age of rating and reviewing everyone online. It notes that, even if you're totally and completely innocent of such charges, the legal fees associated with fighting such charges are astronomical, but covered by this insurance. Sounds like a win-win to me.

Supplemental Insurance for Freelancers

You've seen the AFLAC commercials, right? Upon pursuing the AFLAC website, I've noted that these policies (for indirect costs such as mortgage, bills) are sold to individuals, therefore it's logical that they are available to freelancers. Feel free to poke around their website- they've got life, dental and major illness insurance, too.

About Indemnity Health Insurance Policies

Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care services. Indemnity plans are considered fee-for-service health insurance plans. This means that you have the freedom to choose your health care services and as long as your services are eligible you will be charged a fee depending on how your policy rules are written. Sometimes indemnity health insurance plans cost more than HMOs and PPOs, but the payoff is the flexibility of choices.

If you have the opportunity to choose an indemnity policy for health insurance, here are five important points to remember:

1. You may have a deductible. The deductible is the amount you are required to pay before policy benefits are provided. If your health care charges are covered, or eligible for payment under the policy, your deductible will apply.

2. After the deductible, you may be required to pay a co-payment. A co-payment is a percentage you pay of the remaining charges after your deductible. For example: If your eligible charges are $800 and you have a $200 deductible, then that leaves $600 left. Say your co-payment is 20%. That means you are still required to pay 20% of the remaining amount of $600, which would be $120.

3. You often have the freedom to choose your doctor, specialist, or hospital with few, if any limitations.

4. Sometimes your options for a doctor, specialist, or hospital are limited by geographic restrictions, or area in which the provider is located.

5. Some indemnity health insurance plans do not cover preventative services. Preventative health care services include yearly check-up exams and other routine office visits that are designed to prevent illnesses. In addition, these services may not count towards your deductible.

Your indemnity policy booklet or your employee benefit booklet will spell out the terms and conditions of what is covered and what is not covered. Read your policy or benefit booklet before you need health care services and ask your health insurance agent, insurance company, or employer to explain anything that is unclear.

What is an Insurance Quote

What is an Insurance Quote ?

An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.

How long does it take to get a car insurance quote?

Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.

Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.

Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.

How many car insurance quotes should you get?

Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

How do you select the best automobile insurance quote?

Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?

Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.

How often should you get automobile insurance quotes?

Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heatedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.

Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.

To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.

Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.

See the other posts for more information about insurance quotes.