358 Midland Ave Garfield, NJ 07062407 - Phone: 201.773.8989 - Fax: 201.773.8990
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Protect Yourself for Less with Inexpensive Auto Insurance

As an independent agent, we can tailor an auto insurance package to suit you specific needs and budget. Even if your driving record is less than perfect, we can still find the most competitive rates available. We work very hard to assure you never pay one dollar more than you should to drive your vehicle while maintaining strong auto coverage. Contact us today to learn more about services from our independent insurance agency or to schedule an appointment.

Types of Coverage:

Liability
This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.

Collision
This coverage pays for damages to your vehicle caused by collision with another vehicle or object.

Comprehensive
This coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism, or theft.

Medical Coverage
This coverage pays medical expenses regardless of fault when the expenses are caused by an auto accident.

PIP
Personal Injury Protection (PIP) is required in New Jersey. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

Uninsured Motorist
This coverage pays your car's damages when a driver who doesn't have liability insurance causes an auto accident.

Underinsured Motorist
Underinsured motorist coverage pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.

Rental Reimbursement
This type of coverage will pay for a rental car if your personal car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.
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