• Why it matters: Geico, Allstate, NJ Manufacturers, State Farm, Liberty Mutual and Farmers are all carriers that have 1 product to offer.  Most independent agents will quote your policy with 6-10 carriers and match you with the best option.

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• What you should do: Make sure you include 1 or 2 independent agents in your search.

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• TIP: We know a pretty good local agent who we can guarantee will help you find the best combination of coverage and price. Click through the slide show to find out who.