Cumberland Auto Insurance Review

Located in Bridgeton, New Jersey, Cumberland Auto Insurance sells several auto insurance products in Delaware, Maryland, New Jersey and Pennsylvania. Business owners may purchase auto insurance for their vehicles, and they may also buy auto insurance for the vehicles they use in their personal lives. It has a helpful website where people can learn everything they need to know about the products the company offers.

Knowledgeable Independent Agents

When people visit Cumberland Auto Insurance’s website, they will learn about the company’s independent agents. The company currently has more than 400 people that serve in this capacity, and Cumberland Auto Insurance makes sure that all of these people continue their education in the industry. When there are changes and new developments in auto insurance, Cumberland Auto Insurance independent agents are aware of it.

Independent Cumberland Auto Insurance agents work very closely with their clients.

They work hand in hand with their clients from the beginning of the claims process to the end. When clients have questions, they can call their independent agents and talk to the same person every time they do. Clients can receive this specialized treatment for as affordable a price as they would receive from one of the large national companies.

The Claims Process

As people seek an auto insurance policy, they will be able to purchase exactly the coverage that they need with the help of their independent agents. Whether it is a commercial policy or a personal policy, the independent agent helps people determine what their needs are and how much insurance they need to purchase.

Commercial Auto Insurance

Commercial auto insurance policies from Cumberland Auto Insurance include liability coverage as it is required in each of the four states. Business owners can also buy coverage that will make it affordable for them to have their own vehicles repaired in the event of an accident. The company is capable of insuring several types of businesses, including:

• Limousine companies
• Taxi cabs
• All sorts of buses
• All types of trucks
• Rental vehicles

Two Types of Commercial Auto Insurance

Cumberland Auto Insurance insures commercial vehicles whether they are being driven by employees or the business sells the vehicles. For example, the auto insurance from this company covers damages that occur as these vehicles are sitting in the lot. These damages may be due to the weather, passing vandals or theft.

Umbrella Insurance

Businesses of all sizes may need to purchase liability coverage in greater amounts than the four states have set for auto insurance. A small business may need it because if there is a car collision and the business is found liable, the amount it will be expected to pay the injured may surpass the liability policy’s limits.

A large business can also benefit from extra liability coverage because it has a large amount of assets that it could lose if the above scenario were to occur. In both cases, these businesses will be able to purchase more liability coverage from Cumberland Auto Insurance with its umbrella insurance.

Personal Auto Insurance

Cumberland Auto Insurance also sells auto insurance for personal automobiles. Only customers in Pennsylvania and Maryland will be able to purchase a personal auto insurance policy from this company. These customers will be able to obtain a discount on their coverage if they bundle their auto insurance with:

• Homeowner’s insurance
• Motorcycle Insurance
• Boat Insurance

Specialty Coverage

Cumberland Auto Insurance has such expansive auto insurance capabilities that it can also insure specialty vehicles. Qualifying vehicles for this company’s specialty insurance are those that are stored in special garages and/or vehicles in need of parts that can only be ordered from specialty parts stores.

Rental Coverage

It’s not surprising to find that Cumberland Auto Insurance has coverage for rental vehicles, but Cumberland Auto Insurance takes its rental coverage much farther. Typically, auto insurance will only cover a rental car if it is being rented because the policy holder’s vehicle is being repaired.

If clients of Cumberland Auto Insurance need to rent a vehicle to take a trip, their auto insurance coverage expands to cover the rental car.

This benefits those who do not have a credit card with sufficient rental car insurance in their agreements.

Even in economically trying times such right now, Cumberland Auto Insurance is expected to be able to satisfy all claims that are required of it. Proof of this is the fact that A.M. Best, the credit rating agency that rates insurance companies for their financial stability gave Cumberland Auto Insurance the grade of A-.

Obtaining a Free Auto Insurance Quote

People will notice when they visit Cumberland Auto Insurance’s website that it does not have a place where they can request a quote. This problem can be rectified just by going to the comparison tool on this website. After they enter their ZIP codes, they will receive FREE quotes from Cumberland Auto Insurance as well as several others. Then, they compare these quotes for the best prices for the most coverage. Just click here!