LTC Horizons

Tips for Finding an Agent

• Check for advanced agent licenses like CLU or ChFC
• 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 only work for one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

When shopping for car insurance in Brigantine, talk to your agent about increasing the deductibles on physical damage coverage to reduce your premiums Auto insurance is more affordable when you agree to pay slightly more at claim time.

Call LTC Horizons at (609) 266-7541 or talk to them in Brigantine for insurance options.

Frequently Asked Questions

• How can I find an agent in Brigantine?
• Why do I need liability insurance?
• What are minimum liability requirements in New Jersey?
• Should I carry full coverage?
• What is an SR-22 requirement?