E M Smith Insurance

Tips for Finding an Agent

• Make sure they inform you of discounts
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents can only price your coverage with one company
• Follow your instincts regarding the integrity of the agent

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing your physical damage deductibles to lower your rates Auto insurance is cheaper if you plan to pay a little more out-of-pocket at claim time. Call E M Smith Insurance at (973) 673-0194 or talk to them in East Orange for an insurance review.

Frequently Asked Questions

• How can I find an agent in East Orange?
• Why do I need an insurance agent?
• Can I drive on a suspended license in New Jersey?
• Should I carry full coverage?
• How can I find cheaper car insurance for my teenager?