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Best Local Car Insurance Agencies in Toms River, NJ

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Toms River Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

37Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17 New Jersey 37, Toms River, NJ 08753
WebsiteLicense: 106342

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
4.0 (6)

Why choose this provider?

Priority Insurance Agency offers car insurance plans to clients based in Toms River. Before proceeding with the insurance application, the company's agents make sure that clients fully understand their coverage options, which could include collision, comprehensive, towing, rental reimbursement, and roadside assistance coverages. They also assist customers in meeting the insurance requirements. The Priority Insurance Agency team is committed to providing high-quality service, educating policyholders, and offering one-on-one assistance to their clients.

  • Multiple Carriers
  • Boats
  • Motorcyle & ATV

1386 Route 9, Toms River, NJ 08755
WebsiteLicense: 1542121

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (2)

Why choose this provider?

Capstone Insurance is an independent insurance agency located in Toms River that provides clients with insurance products and services. The agency offers both business and personal auto insurance, with the understanding that there are many possible options available for coverage. Its team of professional agents is prepared to explain to clients their various options, their coverage needs, and coverage rates in order to meet their unique needs. The firm also offers personal umbrella, boat, homeowners, health, and life insurance.

  • Motorcyle & ATV

617 Route 37 West, Toms River, NJ 08755
WebsiteLicense: 9251118

Expertise.com Rating

Review Sources

Google
5.0 (86)
Facebook
5.0 (4)

Why choose this provider?

Steve Meehan is a State Farm insurance agent who has been servicing the Toms River community for more than two decades. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages that protect clients against financial losses caused by unexpected circumstances. The agency also offers banking and investment services. Meehan's agency can be contacted by phone, email, or its social media page.

  • Multiple Carriers
  • Bundling Option

240 Main Street, Toms River, NJ 08753

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (13)
Yelp
5.0 (1)

Why choose this provider?

BHI Insurance is an independent insurance business dealing with auto insurance concerns in Toms River, Manahawkin, Lacey, and Point Pleasant. The company assists drivers in obtaining basic or legally required auto insurance coverage. Its agents also offer vehicle protection plans more than what is required by a particular state. They perform risk assessments to clients by asking them their driving history, distances, and what type of vehicle they usually drive. The company has been creating personalized insurance coverages for over 50 years.

  • Boats
  • RV & Motorhome
  • Motorcyle & ATV

405 Main Street, Toms River, NJ 08753
WebsiteLicense: 9467792

Expertise.com Rating

Review Sources

Google
4.0 (3)

Why choose this provider?

Carl W Swensen Agency, Inc., is an independent insurance company based in Toms River that offers auto insurance products to individuals and families. It represents multiple carriers such as Plymouth Rock Assurance, Palisades Insurance, Progressive, and Narragansett Bay Insurance. The company aims to provide customized insurance solutions that can protect policyholders against financial loss resulting from an accident. Additionally, Carl W Swensen Agency has insurance products for motorcycles, trucks, antique vehicles, and SUVs.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

717 Atlantic City Boulevard, Beachwood, NJ 08722
WebsiteLicense: 1065019

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

A family-owned business operating since 1982, A&L Insurance Agency provides auto insurance plans to clients in the Toms River area. The independent insurance company offers auto insurance policies with comprehensive, collision, liability, uninsured and underinsured motorist, accident, and rental coverages. A&L Insurance Agency also deals with homeowners' and commercial insurance plans. Additionally, the company represents many insurance carriers and allows policyholders to file claims and make payments through its website.

  • Multiple Carriers

1520 New Jersey 37, Toms River, NJ 08753
WebsiteLicense: 1229540

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Hatami Agency is a local company that offers various types of auto insurance plans in the Toms River area. It provides insurance programs for cars, motorcycles, boats, and recreational vehicles. Since 1973, Vic Hatami and his family have been passionate about helping local residents secure their assets and experience peace of mind. Other than auto insurance products, the Hatami Agency team has also been dealing with health, life, and property insurance.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Priority Insurance Agency
17 New Jersey 37, Toms River, NJ 08753
Capstone Insurance
1386 Route 9, Toms River, NJ 08755
Steve Meehan
617 Route 37 West, Toms River, NJ 08755
BHI Insurance
240 Main Street, Toms River, NJ 08753
Carl W Swensen Agency Inc
405 Main Street, Toms River, NJ 08753
A&L Insurance Agency
717 Atlantic City Boulevard, Beachwood, NJ 08722
Hatami Agency
1520 New Jersey 37, Toms River, NJ 08753

Toms River, NJ Car Insurance Agency FAQs

  • How do Toms River car insurance companies approach rate adjustments based on a driver's credit score?

    Mainstream companies in Toms River often charge higher premiums for individuals with poor credit. Some insurers specialize in serving "high-risk" drivers and may offer lower rates to those with poor credit. Additionally, there are companies that do not consider credit but may apply higher rates universally to balance their risk factors.

  • How can you lower your Toms River car insurance rates?

    To lower your Toms River car insurance rates, you may choose a higher deductible, remove towing coverage if you have roadside assistance, opt for quarterly payments instead of monthly, switch from a sports car to a standard vehicle, take a driving course for discounts, and consolidate all household cars under one insurance policy for reduced rates. These measures can help you save on your insurance premiums.

  • What is the property damage liability requirement in Toms River?

    In Toms River, drivers are required to carry a minimum of $5,000 in property damage liability coverage. This means that your auto insurance policy must provide coverage for up to $5,000 in damages to another person's property, such as their vehicle or other property you may damage in an accident. Any costs beyond this limit would need to be paid out of your own pocket.

  • Is it obligatory to have commercial car insurance in Toms River?

    Commercial car insurance is mandatory in Toms River for businesses using vehicles for commercial purposes. This legal requirement ensures that companies take responsibility for accidents, injuries, and property damage caused by their vehicles during business operations. Compliance not only prevents fines and penalties but also safeguards the interests of employees, clients, and the public.

  • Do you need to always have proof of insurance in your vehicle in Toms River?

    Drivers in Toms River are required to have proof of insurance in their vehicles at all times. If they cannot provide this proof when requested by a law enforcement officer, they may face various consequences, such as fines, license suspension, or community service. It is crucial to comply with the state's legal requirements to maintain a clean driving record and comply with the state's legal requirements.