Monthly Archives: November 2015

Why Independent Insurance Agents Matter

Posted on by

When you live in Newark, you need insurance for all sorts of different things – your home, your car, and everything else. Instead of trying to do everything alone, you can work with independent insurance agents who can make sure that you make better choices.

For years, people have been saying that independent insurance agents will become obsolete. This couldn’t be further from the truth. The main reason for this is because independent insurance agents know how to stay above the trends and react quickly to change. They know how to embrace social media, market themselves and communities, and more.

When it comes to purchasing insurance, you want people who are savvy and committed to the community. This is why it is beneficial to work with independent insurance agents. They can make sure that you understand the various options available in the marketplace. They can also tell you which insurance companies you want to do business with and which ones you should avoid.

Insurance companies will often put their needs first, which means your needs come second. Is not the way you want to purchase insurance. Independent insurance agents don’t work for specific company and therefore they have no hidden agenda. Their goal is simply to make sure that your insurance needs are taken care of.

Agents can save you time and money and do a lot of the work for you. They already know what companies are out there and what the coverages, so they can make intelligent recommendations to help you buy a better policy for your home, your family, and every other aspect of your life.

Call now and our independent insurance agents at E.S.T.I.R. Inc. will guide you through the various New Jersey insurance companies and the options that are available to you. It can give you greater confidence when purchasing policies.

 

 

 

Giving The Gift of The Road: Buying A Car For Your Loved One

Posted on by

During the holiday season, gifting a car to a loved one is considered a very generous gift. Giving a car can bring independence, peace of mind, and relieve financial stress for your recipient. For some, it can simply be an upgrade of their current car, and for others, it can be life changing. As you consider giving the gift of the road to your loved one, there are a few logistics to factor into your plan.

It is important to factor in the paperwork involved in purchasing a car. The title will be in your name in the initial purchase. Once you surprise them, you will want to transfer the title to your loved one’s name. This will require you both to make a trip to the DMV. In the state of New Jersey, the title transfer will have you write "GIFTED" in the price section, and state law ensures that you do not pay sales tax on a gift transfer.

There are additional costs that come with car ownership. Is fuel, maintenance, and insurance something that you will include in the gift? Is it something that your recipient can easily incorporate into their budget? For gas and maintenance, maybe consider a gift card to a popular gas station or mechanic. For insurance, it is important to know that New Jersey requires all registered vehicles to have Liability, Personal Injury Protection, and Uninsured Motorist Coverage. 

You can easily work with a local Newark area E.S.T.I.R. Inc. agent to find the right coverage for your loved one. Even if you are not covering the insurance costs, delivering a car with an affordable and comprehensive insurance quote is one way to make the gift of giving this holiday season, even more memorable.