I need to talk to one of you guys since I'm going to be switching out of high point insurance. How can I contact you guys?

Our phone number here is 609-877-1105. Ask for Rick

Thanks,
Chase

My whole family is looking for a new insurance company!
5 cars so I will definetly give you a call!

It's slow today, Guys............call me if you need me

An update on the current state of affairs with the Insurance Industry in NJ!

There is a further tightening that is now here for most Industry players in NJ. Several factors have caused companies across the board to file for increases (usually 6.9%) and this trend will continue until they are solvent again.
We are approx 5 years into a competitive enviroment where PIP has been reformed and now pays medical based on a schedule. Medical facilities have "cracked" the code and found a way around this. Companies are now running 150% or better PIP expenses.
In addition, we had a significant descision passed down by the NJ supreme court in 2005 that now blurrs the line as it relates to the Threshold option on your policy. These Persoanl Injury losses are now beginning to take their toll on the "BI" portion of your policy.
Bottom line, companies are again scrammbling to survive here! They will ALL take rate increases!
They will also utilize the tools at their disposal to eliminate business that does not fit into their "sweetspot".
This brings me to the point of my drolling on here. Companies are beginning to use "Questionaires" for underwriting purposes on renewal. This is really a tool which can be used to Non-renew you if you do not respond. Do not ignore these questionaires!! I say again, Do not ignore these questionaires!
This is not company specific, but rather an industry wide practice for the purpose of prunning its books.

In conclusion here, expect market turmoil, higher rates and more difficult underwriting for the next 12-24 months.

BTW, the sweetspot for companies is good credit, good driving record, full coverage, been with the same carrier for 3 or more years and perhaps a homeowner. If you meet most of this criteria, then you will get the best rates in the state! Good luck

End of July Bump!

Rick, planning on giving you a call tomorrow. Are you in the office? I have recommended you to a few of my friends and they would like to switch (pending quote) :tup:

hey bud im gonna be giving you a call very shortly. hopefully your still here lol.

bumping a very old thread :) it seems Allstate has the best rates for us in NJ?

Debating on switching to Allstate..... USAA has screwed me over a little to much. Even tho price was good yearly I want better service.

Don't debate and do it. When I moved to Jersey (from Savannah GA) my USAA went from 240 per month to 440. (two vehicles one motorcycle) full coverage and high coverage. That is why it took me a while to get back in a Z since if I was going to add a Z, USAA was going to jack my payments to 660 per month. I went to a local Allstate agent and inquired about 3 vehicles and a motorcycle and now I pay less than 400.
USAA has been doing many customers wrong for a while and they don't care about it. I gave USAA the opportunity to review my account (and I told them my intentions of going with Allstate) and they never did. After 16 years with USAA I had no choice but to switch since I was saving a few hundreds per month.
Go to your local agent see what they offer and ask for "drive wise" device. My main discount was for being with USAA for over 5 years.

USAA did me wrong with my checking account... Making me a victim for the 2nd time. I so hate them!!!

USAA have been doing many of their customers wrong. I don't know what is going on with them but I have found out that many service members are finding cheaper insurance coverage with other companies. When I was with USAA I knew I could get something cheaper (10 to 20 bucks per month) but that amount did not really matter to me since they could provide far better services. But nowadays I'm saving over $250 per month (yes monthly) and their services are no different than any other major insurance company. My wife's ATM card has been compromised at a rate of once every six months. I'm becoming used to receive a letter by mail stating "your card has been compromised therefore we are sending a new one soon......"
Now I'm switching completely (finances) to either BOA or TD bank.