What New Car Owners Should Know about Auto Insurance

Obtaining a driver’s license and the car is a step towards greater independence. Before you take off with your newfound freedom, however, don’t forget to purchase auto insurance. Auto insurance will protect you, your vehicle and others against accidents on the road. At Keller Insurance Services in West Deptford, NJ, we can help you select auto coverage suited to your budget and lifestyle.

Car Insurance Requirements for New Jersey

New Jersey is a “no-fault” state, meaning car owners are required to obtain Personal Injury Protection (PIP) coverage. If you (or your passengers) are injured in an accident, this insurance will help cover your medical costs, regardless of who’s at fault.

You’re also required to have a minimum of $5,000 property damage liability coverage to cover the cost of damage to someone else’s vehicle if you’re responsible for an accident.

As a new car owner and driver, you may want to obtain more than the bare minimum PIP and liability coverage to protect yourself against serious accidents.

Collision Coverage

Collision coverage is optional in New Jersey. It covers the cost of repairing your vehicle in the event of an accident. If you’ve taken out a loan for your vehicle, your lender may require that you obtain collision coverage to protect his interests.

Ideally, this coverage should be enough to repair or replace your vehicle in the event of a total loss. If you choose a high deductible for this coverage, you’ll pay less for your premium.


Comprehensive insurance protects your car against theft, vandalism, and damage caused by adverse weather. If you’re into road trips or travel long distances for work or pleasure, this coverage can come in handy to protect you on the road.

For greater insight into car insurance options and costs, contact Keller Insurance Services in West Deptford, NJ.

Protect your family with life insurance

As you start your family, there can be a lot of exciting moments and times when you can maybe feel a little bit overwhelmed. When you have adequate life insurance in place you can rest easier knowing your family will be cared for in case anything should happen to you. At Keller Insurance Services we understand how vitally important it is for you to protect your family, and we’re proud to provide life insurance to the greater West Deptford, NJ community.

Protect your family with life insurance

A growing family requires a lot of care and attention, and securing the right life insurance now can help smooth the road later. It is difficult to consider, but it’s important to plan in case something happens to you or your spouse while your children are still young. With the right policy, your family can continue to live in the family home and not have to experience any further disruption after your death. There are different types of life insurance from term policies to whole life coverage. Depending on your needs, you can find the policy type that is right for your family. With the exception of term life, you can even utilize your policy to pay for major life expenses such as college tuition. There are many options available, and the most important thing is that you have something in place that protects your family, no matter the circumstances.

Is it time for you to find out more about the ways that life insurance can protect your family? If you are a resident in West Deptford, NJ or the surrounding area, contact Keller Insurance Services today to schedule a consultation. We want you to have the peace of mind that comes with knowing your family is protected.

What West Deptford, NJ Residents Should Know About Preventative Healthcare

Many residents in New Jersey are under the impression that if they do not feel sick and appear healthy, health insurance is not necessary. However, they do not understand the benefits of preventative healthcare and how it can improve your life quality. Below are reasons why preventative healthcare is essential and why you should consider a health insurance policy from Keller Insurance Services today.

Regular Doctor Visits

While you may feel well and believe that the common headache you are receiving daily is not anything major, seeing a regular doctor who is making a note of these changes can catch a major issue before it happens. When you have a regular doctor, you are able to build a medical history that gives them insight into changes in your body and potential dangers that could be lurking. You are also able to maintain immunizations with regular doctor visits and fight against potential illnesses obtained in the public. 

Lower Healthcare Costs

Due to consistent healthcare visits with your general physician and catching any long-term dangers before they happen, you are able to save yourself a financial burden in the coming years due to a healthcare scare. Also, using emergency rooms for all of your healthcare needs as opposed to obtaining health insurance and visiting a regular doctor can be more costly over time, as well. 

Is It Time To Get Covered?

If you would like to have maintenance care for your health and save money over the course of your lifetime, then it is time to purchase a health insurance policy. At Keller Insurance Services, our agency proudly serves West Deptford, NJ and surrounding areas, providing health insurance. Give us a call or visit our office today to quote a policy that fits your health needs.


The basics of motorcycle insurance

In  New Jersey, almost any wheeled device used for transportation, with an engine attached, has to be licensed and any licensed vehicle as to have insurance.  In most cases, it is obvious what a motorcycle is, but even a bicycle or tricycle with a motor attached is considered a motorized cycle in the state. The state definition says it must have a motor and seat to require licensing. At Keller Insurance Services in West Deptford, NJ, you can get all your motorcycle insurance questions answered and then get the insurance you need.

The insurance is similar to that of automobiles. Basic liability insurance is required. In New Jersey. There is "basic" insurance which meets legal requirements but does not offer much protection. "Standard" insurance is what most people get and that is more like car insurance. There is liability coverage that is required, bodily injury coverage, and you have the option of adding more coverage as well.

Similar to auto insurance, you may add collision and comprehensive to your coverage. Collision covers your bike if you have an accident and comprehensive covers everything else. You may also raise the amount of coverage above the minimums that are required.

You must have proof of insurance with you at all times while driving your motorcycle. It is also required to wear a helmet while riding. Having proof of insurance is called "establishing financial responsibility," which is what the state law requires. 

You can visit Keller Insurance Services in West Deptford, NJ in person, or online, and get expert advice on the best coverage for your motorcycle.  New customers can find out what is required and find the best policy for their situation. If you have automobiles and motorcycles you could consider a package deal. Current customers should stop by to update their policy if they get a new motorcycle. You will have to have insurance before you can register the motorcycle in New Jersey.

What Can My Beneficiary Ue the Life Insurance For?

How often have you watched an ad on TV talk about using life insurance for final expenses? The folks at Keller Insurance Services want to remind their neighbors in the West Deptford, NJ area that life insurance isn’t just about paying for a fancy funeral. Let’s check out what else that policy can do for your spouse, children, and loved ones.

  • Pay Off the Mortgage: This is especially important for families where one parent is lost. Make sure your children have a roof over their head for the next twenty years.
  • Keep the Kids in College: Help them build a brighter future even without that second income providing a source of monthly savings while they grow up.
  • Cover Health Care Costs: Relieve the burden of facing broken legs, ear infections, and even coughs and colds by making sure health care premiums are covered and there is still a savings account for the bigger challenges.
  • Take Care of the Monthly Bills: Provides a helping hand with heat, electricity, telephone, TV, and internet. 
  • Cover Transportation Costs: That car is going to need replacing in a few years. There should be enough for a monthly lease or loan payment.
  • Guarantee there will always be something Under the Tree: With the right life insurance policy and installment payments, you can make sure that the holidays are times of joy in the future, instead of economic uncertainty.
  • Little League, 4H, Science Club, and Trumpet Lessons: If you want your family to continue to experience the same standard of living, a life insurance policy can help them have enough in the kitty to spare some cash for the fun times in life.

For more tips and information on term life policies in the West Deptford, NJ area and what size policy you wish to purchase, talk to your Keller Insurance Services representative today.

Building a Good Relationship With Your Auto Insurance Provider

Auto insurance should be much more than a financial transaction with an auto insurance provider. Finding an insurance agent willing to go the extra mile for you and your family can be an extremely valuable asset, especially when it comes to filing a claim. Many times, it is when clients go through a crisis with their insurance provider that trust is built, breeding confidence for a long lasting business relationship. Here at Keller Insurance Services serving West Deptford, NJ, we are all about building trust with our clients. Here’s a look at two tips for building a good relationship with your auto insurance provider. 

It Takes Time

It is possible to build a trusting relationship with your auto insurance provider over time. It’s not likely to happen overnight. This starts by getting to know them and allowing them to know you on a first name basis, as well as your spouse and children. In order for a provider to meet your needs, they must know personal and private information, so an agent should be someone you feel comfortable talking to.

They Should Be Fully Accessible

There may be times when you have questions about your coverage or you need answers regarding a certain aspect of a claim. Your agent can provide you with the right answers and protect your best interest. Communication is key to any good relationship and in order for your insurance provider to know your specific needs, you have to communicate them. This provides the agent with an understanding of your personal situation in the event of an accident or a change in your situation. This means your agent should be fully accessible at all times.

Contact Keller Insurance Services serving West Deptford, NJ to learn more about building good relationships with your insurance company and your agent. 

Understanding Term and Whole Life Insurance

You’ve been told again and again that you should invest in some type of life insurance policy. Now that you’ve started shopping for a policy, though, you are feeling a bit overwhelmed because you don’t understand all of the life insurance lingo. That’s okay because here at Keller Insurance Services, we are here to simplify finding a policy that can best meet your needs. For now, let’s take a look at what it means to buy a whole or term life policy in West Deptford, NJ.

What does it mean to buy a term life policy?

When a person invests in a term life policy, this means the policy itself is only good for a specific number of years. A lot of term policies are good for 30 years or less. If the policyholder does not pass away during this period of time, then the policy ceases to exist and there is no cash value for the policyholder to take advantage of. And while this is a downside to a term life policy, it does have an upside — term life insurance is incredibly inexpensive when compared to most whole life insurance policies. 

What does it mean to buy a whole life policy?

When you invest in a whole life policy, this means you are buying a policy that does not cease to exist until you (the policyholder) passes away. And when you do pass away, the payout is passed down to your beneficiaries. Also, with a whole life policy, a cash value will build up throughout the life of the plan, meaning if you want to tap into the premiums you have invested, you can. Since a whole life policy is guaranteed to pay out, it tends to be quite expensive. 

If you would like to learn more about whole and term life insurance, please contact Keller Insurance Services serving the West Deptford, NJ area today. 

How to Get Your Teenager On Your Auto Insurance Policy

All drivers in New Jersey must have car insurance, regardless of how old they are. This means that if you’re a parent with a teenager who is just learning how to drive or recently got their license, it’s time to get them insured. Getting a teenager their own auto insurance policy is far more expensive than an adult’s, however, so you should consider putting them on your already existing policy. Those who are still on instructional permits in New Jersey cannot have their own separate insurance policies anyway. Serving the West Deptford, NJ area, Keller Insurance Services is here to help you get the information you need. 

The Basics

Teen drivers on your insurance policy still are subject to the same legal requirements as other drivers in New Jersey, and therefore you need to make sure that your policy has enough coverage for both of you (for example, $40,000 per person per crash for Personal Injury Protection). All you need to do next is to talk with your insurer about adding your teen as a driver under your policy. If you are starting a new auto insurance policy, be sure to include them from the beginning but make sure you are the primary policy holder.

How to Keep Costs Low

There are actually a variety of ways to keep your insurance premiums from going up too much after you add your teen driver. For example, it is a good idea to not get them their own car right off the bat, at least not until they have another year or two of experience under their belt. After all, you will see a significant difference in cost if you classify your teen as only an occasional driver of your own vehicle vs. making them the primary driver of another. Likewise, if you have more than one car in your possession, limit them to driving the one that is lower in value and/or already has lower insurance costs. Last but not least, studies show that the more involved parents are when their teen is learning how to drive, the better a driver the teenager tends to be. Do whatever you can to help them avoid getting into an accident– once they do, insurance costs could skyrocket.

If you live in the West Deptford, NJ area and want to learn more, please don’t hesitate to reach out to Keller Insurance Services today. 

Four motorcycle safety tips that could make your insurance cheaper

Motorcycle insurance is a necessity if you want to enjoy taking your bike out on the roads. However, there are a lot of things you can do to minimize the costs of motorcycle insurance while also making it safer for you to the rider.

The following are four motorcycle safety tips that could make your insurance cheaper:

Take an educational rider training course

You may be able to enroll in a training course run by an area organization or your DMV to take advantage of safe driver discounts. This is an especially good idea if you’re a rookie rider. 

Buy a bike that’s appropriate for your skills and experience

A lot of riders go overboard when they purchase their bikes. Your insurer is going to look at the bike model you purchase when evaluating how much your insurance premiums are going to cost. It’s generally going to cost more to ensure more expensive motorcycles and motorcycles that offer more power.

These days, motorcycles with smaller displacement engines are often just as fast and powerful as older models with larger engines. Purchase an efficient model rather than an excessively heavy and powerful model to keep insurance costs down.

Have antilock brakes

Motorcycle models are often built with antilock brakes these days. Many motorcycle insurance providers will offer discounts on premiums to riders who have bikes with antilock brakes. Consider getting such a model to take advantage of the discount. 

Make sure you maintain a "preferred operator" status

A preferred operator is a biker who has a clean driving history. Over time, you can build up to preferred operator status to minimize your premium costs. 

Those residing in the West Deptford, NJ area can contact Keller Insurance Services to learn more about motorcycle insurance policies. 

Should You Purchase Flood Insurance, and Is It Necessary?

When it comes to flood insurance, there can be a lot of questions and misconceptions. Among those is the idea that this type of insurance is automatically included in standard home insurance policies. These policies include a lot of different types of coverage, but flood coverage isn’t one of those types. Instead, if you need or want flood insurance to protect your West Deptford, NJ home you’ll want to work with Keller Insurance Services to get the specific coverage you need. Some homes will require a flood policy if they are in a flood plain and there is a mortgage.

For houses that aren’t in a floodplain, or those that are paid for and there is no mortgage present, flood insurance isn’t required. However, some homeowners still want to have this coverage. Anywhere it can rain, it can flood, so homeowners who want strong protection for their home will often keep a flood insurance policy on that home. That’s especially important if they have a house in the floodplain and less of a concern for homes on higher ground. By working with a good agent, it’s easier to make a decision as to whether a flood insurance policy is really needed for your home.

Keller Insurance Services can help with your West Deptford, NJ flood insurance needs. Whether you want to get a policy, make changes to an existing one, or just ask questions, knowledgeable agents can advise you on the types of options you have for your situation. That way you can decide what type and level of coverage you want, and can focus on the peace of mind that having the right insurance will bring you. It’s an excellent way to have your home financially protected and to ensure that you have a trusted company behind you.