Whether you drive a top of the line performance car, an old, but reliable clunker, or a family-friendly minivan, you’ve made an investment in your vehicle that you need to protect. Auto insurance helps you protect your investment and, with the right policy, the people inside.

At Brouwer Hansen and Izdebski Insurance Associates, we take great pride in offering a wide range of car insurance policies at competitive rates so you can find the best policy to meet your needs and your budget. We serve individuals and businesses located in the New Jersey shore area and throughout the interior regions of the state.

Who Needs Auto Insurance?

The state of New Jersey requires all drivers to carry at least liability coverage on their automobiles. It’s important to understand, though, that liability insurance only covers damage you do to other vehicles and people.

It does not cover repairs to your own vehicle in accidents where you are determined to be at fault. If you depend on your vehicle to get to work, school, and other activities, you’ll need additional coverage over and above a liability insurance policy for optimal protection.

Types of Auto Policies

Generally speaking, vehicle insurance policies include several different types of coverage, each with different amounts of coverage and premiums. These include property damage liability, bodily damage liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

The state of New Jersey requires you to purchase some level of car insurance coverage, but not all. However, if you finance your vehicle, certain coverages — like collision and comprehensive — are required by the lender.

Other Auto Coverage Options?

Some people in New Jersey, particularly those who commute to work daily, prefer the additional security provided by roadside assistance and rental reimbursement policies to help bridge the gap while vehicles are being repaired after a collision. In addition, special adaptations or equipment, such as custom wheels or lights, may require endorsements or riders.

We can help you navigate all your available options to find the best plan for your lifestyle and needs. Ask your specialist at Brouwer Hansen and Izdebski Insurance Associates for details.

Why Choose Brouwer Hansen and Izdebski Insurance Associates?

We are an independent agency, meaning we work for you, not an insurance company.

Because we work with a wide range of insurance carriers, we are able to find the best car insurance policy for your driving record, daily driving patterns, and type of vehicle you drive. In order to provide you with the best possible rate and coverage, we offer free, comparative quotes on vehicle insurance from multiple insurance carriers.

The fact that we work with so many top-rated carriers empowers us to shop around on your behalf to find the carrier that will provide the best coverage for the right price to match your budget. Because each insurance carrier offers its own unique benefits, we can help you choose the one that is right for your needs.

In addition to providing auto insurance, we offer top rate insurance products that include a homeowners, boat, commercial, and workers’ compensation insurance from our six New Jersey locations. Be sure to ask us about our package policy discounts.

Here at Brouwer Hansen and Izdebski Insurance Associates, we have served New Jersey drivers for 50 years — and are looking forward to 50 more.