Ruiz Agency

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 can only price your coverage with one company
• Ask for their license number and if they balk, find a new agent

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing the comprehensive and collision deductibles to save money Car insurance costs less if you are willing to pay a little more out-of-pocket at claim time. Call Ruiz Agency at (973) 361-1715 or talk to them in Dover to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Dover?
• Why do I need liability insurance?
• Can I drive on a suspended license in New Jersey?
• Should I carry full coverage?
• What is the difference between comprehensive and collision coverage?