Americana Program Underwriters
1200 E Ridgewood Ave
Ridgewood, NJ 07450-3957
Phone: (201) 493-9970
Americana Program Underwriters provides residents of Ridgewood with advice and guidance to help them meet their insurance needs. Call (201) 493-9970 for a no obligation quote or stop by at 1200 E Ridgewood Ave. Servicing Ridgewood and the entire Bergen county region.
Looking for insurance agents in Ridgewood, NJ or just trying to lower your premiums? These tips may help.
- Americana Program Underwriters may assist you in finding New Jersey insurance coverage. With a local Ridgewood insurance agent, you have a professional contact to inquire about coverage issues, review your policy and assist you in the event of an insurance claim.
- Your Ridgewood car insurance rates could be decreased considerably by increasing your collision and comprehensive or 'other than collision' insurance deductibles. Should you have an automobile accident or your vehicle receives damage in a hail storm you'll be forced to pay more to have the hail damage repaired, but larger insurance deductibles mean less premium every year plus your cost savings may possibly more than replace the increased expense at claim time.
- Ridgewood property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Safe drivers pay less for car insurance. If you tend to drive too fast, have minor fender benders, or repeatedly run red lights, you will pay higher car insurance rates. Conversely, if you are a good driver and do not file frequent claims with your New Jersey insurance company, then you will be rewarded with lower rates.