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Different Kinds of Auto Insurance Agents in New Jersey and Their Roles

New Jersey car insurance has witnessed various changes over the years. One the major factors that has pioneered these changes in auto insurance is advancement in IT. Before the digital period, car owners in New Jersey could only buy auto insurance covers through auto insurance agents. Today, this has completely changed as various alternatives such as online insurance has replaced the role of auto insurance agents. Online buying of auto insurance has been adopted by NJ car owners as it is affordable, fast and convenient. With digital age evolution, it is now important to know whether auto insurance agents are still necessary in NJ auto insurance industry. Before this, let’s have a look at the various sources of New Jersey car insurance. When shopping for auto insurance, you can obtain your insurance cover from various sources as highlighted here below.

•             Independent auto insurance agents- independent auto insurance agents in NJ sell insurance coverage through various carriers. Although a number of agents sell insurance coverage for a single carrier, they still prefer to deal with multiple careers to satisfy their clients’ auto insurance needs. These agents offer their services directly to car owners in NJ and offer personalized auto insurance services.

•             Captive auto insurance agents- they work and sell New Jersey auto insurance coverage for one major insurance carrier. They bring new clients for the carriers and offer 24 hour insurance services to their clients.

•             Direct online auto insurance – buying NJ auto insurance direct from the internet simply implies that there are no intermediate agents. The client performs all the necessary insurance tasks right from requesting free online quotes to making the final auto insurance decisions. There are several online insurance companies who actually don’t use the services of auto insurance agents.

Although most online insurance companies prefer not to involve auto insurance agents in the process of availing insurance covers to car drivers in NJ, insurance agents still play major roles that cannot be replaced by technology. It’s true to the fact that internet has transformed the insurance industry positively making it easy and simple to be insured but on the other hand, the major roles played by agents cannot be overruled. Various benefits of dealing with NJ auto insurance agents are:

•             Local knowledgeable of auto insurance services –NJ resident auto insurance agent can sell you the relevant New Jersey car insurance covers to get you fully insured.

•             Auto insurance agents in NJ offer personalized auto insurance services. This is contrary to the use of automated auto insurance services like websites and phone hotlines.

•             The agents enable NJ car owners to make cash payments for their auto insurance coverage.

•             Various auto insurance policy discounts. When buying various auto insurance covers from a single agent, you stand to benefit from multiple insurance discounts offered by the agent.

You can shop for online free quotes first by entering your zip code here above. This way, you will be informed on which NJ carrier is the best to offer you the excellent auto insurance services.