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Home > Auto Insurance | Car Insurance | Free Quotes - Fairfield NJ

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

Auto Insurance in Fairfield and Clifton, NJ

Protecting Drivers in Woodland Park and throughout Northeastern New Jersey against Risk

 

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From damage to a car that results from a reckless driver to theft that results from an opportunistic individual, the risks that drivers face are many.  These risks can be costly, and this is one reason why drivers need protection.  Insurance provides necessary protection, and at Allwood Forlenza Insurance Agency we have a complete auto insurance program that mitigates every risk and that is flexible. 

Through our program we write customized and cost-efficient solutions for New Jersey drivers.  New Jersey drivers live in bustling areas, and they face varying risks for this reason.  We know their risks, and we also know and understand their needs.  This is why we’ll not only be able to provide you the best possible insurance but also the greatest experiences.  

Auto Insurance Coverage Details

New Jersey has minimum insurance coverage requirements for all drivers, but we recommend that all drivers get insurance that far exceeds these requirements.  We'll work with you so that you get the coverage that you need and so that you pay for only what you must.  If your car is leased or financed, you’ll be required to carry comprehensive and collision coverage.  We’ll help you find these and other coverages if you need them.

The coverages from which you can choose include but are not limited to:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Accident Forgiveness
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Personal Injury Protection (PIP)
  • Mexican Auto Insurance
  • Medical Payments Coverage

We can bundle auto insurance with homeowners, renters, or condo insurance.  If we bundle your auto insurance with another type of insurance then you can save time and money.  Speak with an agent to learn about how we can do this.

 

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Caring, local Agents keeping you secure

Whether it’s rental reimbursement, towing coverage, accident forgiveness, and/or loan/lease gap coverage that you need, we’ll provide it.  We’ll help you create a solution that fits, and once the solution that we help you create is in place, we’ll monitor it regularly.  

We’ll intervene in claims if necessary, and if we do intervene we’ll work with insurance companies in order to get you what’s deserved.  You can count on us to not only give you the right insurance but to fully support you.

Contact us or give us a call today.  You can start on a policy by requesting a quote.

Additional Auto Insurance Information:

·New Jersey Auto Insurance Information and Resources (The State of New Jersey Department of Banking and Insurance)

·Auto Insurance Shopping Tool (The National Association of Insurance Commissioners (NAIC))

·New Jersey Auto Insurance Details and Resources (DMV)

At Allwood Forlenza Insurance Agency we’re proud to provide car insurance in Woodland Park, Clifton, Fairfield, Wayne, Little Falls, and Parsippany, NJ.  We also serve other areas in the state and we serve all other states.


Common Auto Insurance Questions:
  

What is auto insurance?  

Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.  

How does auto insurance work?  

Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.  

What does auto insurance cover?  

The average auto insurance policy can offer numerous benefits, including:

 

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance 

Is auto insurance required?  

The minimum amount of New Jersey auto insurance coverage is $15,000/$30,000/$5,000. In the event of a covered accident, your limits are:

Bodily Injury Liability Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Property Damage Liability Coverage: Minimum coverage level is $5,000 per accident
Personal Injury Protection (PIP): Minimum coverage level is $15,000
Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible

Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.  

It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you. 

What does auto insurance cost?  

Numerous factors can influence the cost of your auto policy, including:

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year


It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice. 

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110 Little Falls Rd. | Fairfield, NJ 07004
P: 973-256-5500 | F: 973-882-5601 | info@afcainsurance.com
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