carmen insurance in paterson

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carmen insurance in paterson

About Progressive and other related information

Insurance in Paterson, NJ is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

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Other Insurance near Progressive

Carmen Insurance Agency Llc Carmen Insurance

Cycle Insurance Agency Inc. — Progressive

Meyers Agency Inc. — Progressive

Zirpolo Insurance & Travel — Progressive

Businesses in and around Paterson

A frequent business type near Progressive is Doctors Of Medicine Offices and Clinics .

Head down to one of the Drug Store for everything from prescriptions to cold and flu remedies and cosmetics. Foot pain? Seek the help of your local Podiatrist. Don't let a slipped disc hold you back. Get help, as a Chiropractor operates in the area. Not far away a Furniture Store stocks pieces for the home and office.

If you are hungry there is a restaurant serving the area. Having car trouble? There is a General Automotive Repair Shop at hand.

Paterson, NJ 07501

Tue:9:00 am - 5:00 pm

Wed:9:00 am - 5:00 pm

Thu:9:00 am - 5:00 pm

Fri:9:00 am - 5:00 pm

Please note times may vary due to seasonal opening hours and extended store trading times.

Store hours are subject to change. Please call the store for exact opening hours.

Farmers Insurance - Paterson is located on 538 Summer St, Paterson, NJ 07501

208 Lakeview Ave, Clifton, NJ 07011

12-55 River Rd, Fair Lawn, NJ 07410

254 Union Blvd, Totowa, NJ 07512

262 Market St, Elmwood Park, NJ 07407

278 Broadway, Ste 1, Elmwood Park, NJ 07407

YP - The Real Yellow Pages SM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

1 Depot Square, Park Ridge, NJ 07656

David Sayles Insurance Services

899 Lincoln Dr, Paramus, NJ 07652

Serving the Paterson area.

Amica Mutual Insurance Company

Serving the Paterson area.

Serving the Paterson area.

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20 Church St Paterson, NJ 07505

758 Main St Paterson, NJ 07503

From Business: Need help finding cheap auto insurance rates in Paterson, NJ? Get inexpensive, quality car insurance quotes through Freeway Insurance. Give us a call or visit our…

3. Blue Cross Dog & Cat Hospital - Paul P Sova DVM

470 Mclean Blvd Paterson, NJ 07513

From Business: A complete medical, surgical diagnostic, and dental care center for your pets. Emergency service. Dogs, cats, small pets. Blue Cross Dog & Cat Hospital is a full-…

322 Grand St Paterson, NJ 07505

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959 Main St Paterson, NJ 07503

From Business: As your personal Farmers Insurance agent located in Paterson, I believe in keeping you informed of ways to protect what's important to you. Whether you're looking…

316 Grand St Paterson, NJ 07505

18 Church St Paterson, NJ 07505

494 21st Ave Paterson, NJ 07513

470 Chamberlain Ave Ste 9 Paterson, NJ 07522

98 Broadway Paterson, NJ 07505

11. Right Choice Community Corp

150 Market St Paterson, NJ 07505

175 Market St Paterson, NJ 07505

35 Church St Paterson, NJ 07505

35 Church St Paterson, NJ 07505

82 Market St Paterson, NJ 07505

74 Market St Paterson, NJ 07505

325 Main St Paterson, NJ 07505

18. Angelly Insurance Multiservice

10 W Broadway Paterson, NJ 07505

316 Grand St Paterson, NJ 07505

458 Main St Paterson, NJ 07501

94 Fulton St Paterson, NJ 07501

22. The Secret Insurance Agency

409 Totowa Ave Paterson, NJ 07502

60 Albert M Tyler Pl Paterson, NJ 07501

268 Rosa Parks Blvd Paterson, NJ 07501

540 Straight St Paterson, NJ 07503

26. Bangle Multi Services Agency

351 Union Ave Paterson, NJ 07502

457 21st Ave Paterson, NJ 07513

311 Redwood Ave Paterson, NJ 07522

693 Market St Paterson, NJ 07513

161 Richmond Ave Paterson, NJ 07502

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We found 2522 results

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Serving the Paterson area.

  • (877) 294-7187

You could save 15% or more on car insurance.

Can I buy a basic plan and still be covered?

Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.

If I have insurance can I still shop around for a better rate?

Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.

How do I file a life insurance claim?

Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

How do I file a homeowners insurance claim?

In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.

How do I file an auto insurance claim?

If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

How soon should I file an insurance claim?

Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. In the case of emergencies, you should always call 911 first.

What is a claims examiner?

Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

What is an adjuster?

A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies.

What is umbrella insurance?

Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover.

Do I need pet insurance?

Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication.

  • (888) 431-3748

How much could you save? Call for free quote now!

  • (800) 331-0587

You could save 15% or more on car insurance.

  • (877) 777-3245

Contact Us Online or by Phone-Locations Near You!

Serving the Paterson area.

  • (800) 550-5298

You could save 15% or more on car insurance.

  • (888) 431-3748

How much could you save? Call for free quote now!

Serving the Paterson area.

Timothy K Brown: Allstate Insurance

1006 Route 46, Clifton, NJ 07013

  • (973) 932-0911

How much could you save? Call for free quote now!

Serving the Paterson area.

Alex Vargas - State Farm Insurance Agent

45 Hoover Ave, Passaic, NJ 07055

Beth Braden - State Farm Insurance Agent

2190 Hamburg Tpke, Wayne, NJ 07470

Bill G Eljouzi - State Farm Insurance Agent

178 Lakeview Ave, Clifton, NJ 07011

Bob Harrison - State Farm Insurance Agent

572 Lafayette Ave, Hawthorne, NJ 07506

Gerard Ciraulo - State Farm Insurance Agent

458 Hamburg Tpke, Wayne, NJ 07470

Jason Bush - State Farm Insurance Agent

660 Valley Rd, Wayne, NJ 07470

Jerry Traille - State Farm Insurance Agent

428 Haledon Ave Ste A, Haledon, NJ 07508

Maria Alawi - State Farm Insurance Agent

789 Hamburg Tpke, Wayne, NJ 07470

Michael DiSalvo - State Farm Insurance Agent

940 Mcbride Ave, Woodland Park, NJ 07424

Sam Balady - State Farm Insurance Agent

308 Union Blvd, Totowa, NJ 07512

Thomas Tobin - State Farm Insurance Agent

1033 Clifton Ave, Clifton, NJ 07013

Tom Ziegenbalg - State Farm Insurance Agent

1489 Union Valley Rd, West Milford, NJ 07480

Allstate Insurance Agent: Francesco Pagliaro

101 Newark Pompton Tpke Ste 1, Little Falls, NJ 07424

Allstate Insurance Agent: Robert Bakelaar

600 Valley Rd Ste 102, Wayne, NJ 07470

Allstate Insurance Agent: Robert L Cella

16 Skyline Lake Dr Ste 5a, Ringwood, NJ 07456

To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.

Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.

While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.

Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.

Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.

Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.

Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.

Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.

Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.

To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.

When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.

Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.

Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.

Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.

To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.

Claims Adjusters and Examiners

A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.

Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.

Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

Finding Discounts on Insurance

Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.

Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.

Insurance agents will often try to "upsell9quot; on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.

Take Advantage of Discounts

Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.

Top 10 Insurance in Paterson, New Jersey

470 Chamberlain Ave, #11

All 1 Insurance in Paterson, New Jersey

470 Chamberlain Ave, #11

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703 Delano Avenue

Westlake Village, CA

7944 West 151st Street

Overland Park, KS

Traverse City, MI

4222 West Capitol Drive Suite 302

Below is a list of insurance brokers located in Paterson. Click on the name to see details about the insurance broker

35 Church Street Floor 1

Give Cohen Isadore Insurance premium priority and full business description

35 Church Street

Give Harelick Dresner Koch Insurance premium priority and full business description

126 Market Street

Give Harelick Dresner Koch Insurance premium priority and full business description

267 Vreeland Avenue

Give Motomco Insurance premium priority and full business description

Give Persal Insurance premium priority and full business description

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