EA BONIAKOWSKI INSURANCE SERVICES E.A. Boniakowski has been identifying and meeting the insurance needs of home and business owners throughout NJ since 1950. The agency serves a broad client base, ranging from start-up business to large corporations as well as personal home and auto.
929 N. Washington Ave Green Brook, NJ 08812, USA
EAB Phone: (732) 968-0940
WHAT ARE MY AUTO INSURANCE COVERAGE OPTIONS? by Doris Zampella | May 19, 2014 ​How Much You Pay for auto i​nsurance Depends On Several Factors Some of the factors include, your age and marital status, where you live, and what you drive. "You can't do anything about your age, and few people will move just to lower their insurance premium." say ​Joe Boniakowski, President of EAB Insurance. You can, however, choose a vehicle Continue Reading WHAT ARE MY AUTO INSURANCE COVERAGE OPTIONS? EAB Insurance EAB Insurance

Doris Zampella | May 19, 2014

​How Much You Pay for auto i​nsurance Depends On Several Factors

Some of the factors include, your age and marital status, where you live, and what you drive. "You can't do anything about your age, and few people will move just to lower their insurance premium." say ​Joe Boniakowski, President of EAB Insurance. You can, however, choose a vehicle that costs less to insure.

Know Your Coverage Types

What is your car insurance actually insuring? Although you're buying a single insurance policy covering a specific vehicle, a number of components make up the final cost:

Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone.

Property damage liability: Covers claims for property that your car damages in an accident. Because liability coverage protects the other party, it is required in all but three states.

Medical payments: Pays for injuries to yourself and to occupants of your car. This is optional in some states. In "no-fault" states, personal injury protection replaces medical payments as part of the basic coverage.

Uninsured motorist protection: Covers injuries caused to you or the passengers in the vehicle at the time of accident by uninsured or hit-and-run situations. "Under-insured" coverage is available, to cover you against a driver who doesn't have adequate insurance. In some states, as many as 30% of vehicles are uninsured or under-insured.

Collision coverage: Covers damage to your vehicle up to its bo​ok value. Collision coverage usually has a deductible, which is an amount of money per claim you have to pay before the insurance picks up the tab. Typically, the lower your deductible, the higher the premium will be. Collision coverage is legally an optional add on to your insurance policy, if you have a loan on your car or a leasing, usually the lender or leasing company will require you to carry collision coverage.

Comprehensive (physical damage): Covers damages to your vehicle from theft, vandalism, fire, wind, flood, and other causes that were not the affect of a collision. Comprehensive also usually carries a deductible.

Our team is more than happy to spend as much or as little time any caller needs in order to understand their Insurance Coverage Options.

AT EAB INSURANCE; WE WILL HELP YOU FIND THE LOWEST INSURANCE RATES

http://www.eabinsurance.com/

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