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Jason Archer

Rating 4.9
Farmers Insurance Agent in Warren, NJ
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Contact Info


67 Mtn Blvd
Ste 201j
Warren, NJ 07059

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Phone Numbers

(973) 394-0212(973) 394-0212
(973) 587-8244

Office Hours

Day of the WeekHours
Mon:9:30 AM - 7:00 PM
Tue:9:30 AM - 7:00 PM
Wed:9:30 AM - 7:00 PM
Thu:9:30 AM - 7:00 PM
Fri:9:30 AM - 7:00 PM
Sat:10:00 AM - 4:00 PM
Sun:10:00 AM - 4:00 PM
After hours by appointment
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Farmers Insurance Agent in Warren, NJ

Jason Archer
About Me

Rating 4.9

As your local Farmers® insurance agent located in Warren, New Jersey, I help my clients identify and customize the insurance coverage that best fits their needs. With over 10 years of experience in the insurance industry, my clients love working with me because I help my customers distinguish the difference between being properly insured and just having insurance. My customers know that they can get in touch with me whether that is through phone, email, or text and I am there for them when they need me for their auto insurance, home insurance, life insurance, business insurance, commercial insurance, renters insurance, boat insurance, and more. I am also qualified to help you with any of your financial needs! I am happy to serve our local community of Warren, New Jersey as well as Bridgewater, Franklin Township, Somerville, and greater Somerset county. Please don’t hesitate to knock on my door or call for guidance regarding your insurance needs, finances, or to simply inquire about a quote at no obligation.

Give me a call at (973) 394-0212 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 4 years of experience as a Farmers Insurance agent.

Neighborhoods Served

Bridgewater, Franklin Township, Somerville, Somerset, and Bound Brook


Insurance Products Offered

Business Insurance
Farmers Financial Solutions*
*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

When buying car insurance it is important to find the right balance between coverage and affordability, right? If you have a loan on the vehicle, or are leasing the vehicle, you’ll be required to carry higher amounts to cover the value of the car and protect the lender. If your car is 20 years old, maybe all you need is liability insurance to cover damage and/or injury to other people and their property.

How do you know?

The best way to make sure you’re getting the right balance between coverage and affordability is to ask an insurance agent these three questions:

1. What does the policy cover? Make sure you know what you are paying for, and add things you want (Roadside assistance? Towing?) and drop things you don’t want (Roadside assistance? Towing?).
2. Do I have enough liability coverage? Liability coverage may be mandatory and state laws set a minimum coverage limit, however, those state minimums are often too low to protect you in the event you cause a multi-vehicle accident. Ask your agent what the average claim amount is.
3. Are there any available discounts? Many drivers can benefit from discounts. Many carriers offer discounts based on lower miles driven per year, or for going a certain number of years without an accident. You can’t get the discounts if you don’t ask about the discounts!
The 2018 hurricane season is making property owners think twice about their insurance coverage. When a hurricane or other severe storm damages your home, here are five steps to take.
1. Understand what is covered, what is not covered
Before a storm hits you, make sure you clearly understand what your home insurance policy does and does not cover.
2. Do a damage inspection after extreme weather
You need to perform a careful inspection of your home and property after a serious storm. Check for missing shingles on your roof and damage to your siding and gutters, and any other exterior features on the home. Be sure to take pictures of any damage you find!
3. Have contractors provide estimates
If you discover damage that is covered by your homeowner’s insurance, you’ll be wise to have multiple contractors over to see the damage (and inspect for additional damage that you might not have noticed). Ask each contractor for a repair estimate. Get at least three written estimates for your insurance company.
4. Compare the estimates against your deductible
Use this test to determine how to proceed:
• If the estimates are less than your deductible, pay for the repairs yourself.
• If the estimates are equal to your deductible, pay for the repairs yourself.
• If the estimates are slightly higher than your deductible, pay for the repairs yourself, if you are able. Why? Because every time you file a claim your claims are recorded in a shared insurance database. As your claims add up, if can negatively affect your future ability to insure your home. You really only want to make a claim when you have to.
• If the estimates are clearly higher than your deductible, file the claim and have your insurance company pay for the repairs or replacement.
5. File your claim promptly
When you determine that you do need to submit a claim, do it immediately. Many insurance policies provide a specific window of time in which you can file your claim after the damage occurs. If you delay your claim could be denied.

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Industry studies reveal that young adults generally are not buying health, renters, auto and life insurance at the same rate as their parents. This perpetual status of being underinsured is a gamble that can lead to financial ruin.
They’re going without essential protection
A 2015 Gallup poll estimated that 12% of the US population lacks health insurance (even in the age of ObamaCare). However, that number more than doubles among the Millennials with about 25% of lacking health insurance.

Other findings about Millennials’ insurance coverage includes these surprisingly low numbers:
• Only 64% have auto insurance
• Only 12% have renters insurance
• Only 36% have life insurance
Why aren’t Millennials buying insurance?
Economics: Millennials are facing a changing and disrupted labor market, and when coupled with the burden of student loans, many Millennials simply don’t have the cash available to buy protection.
Mom and Dad: Millennials are relying heavily on Mom and Dad for their car and health insurance. The Affordable Care Act allows parents to list their children on their health coverage plans until they turn 26.
A risky choice
Simply put: Millennials driving, renting and living without insurance protection are putting themselves in positions that could result in the loss of their possessions and/or stifling new debt.
Consider this about car insurance:
• If you drive a car and do not have auto insurance, you’re breaking the law.
• If you’re at fault in a collision in which people are injured or killed, you are responsibly to pay for medical expenses.
• If you’re at fault in a collision that damages someone’s property, you’ll have to pay for medical repair or replacement costs on your own.
• You could be on the hook for tens of thousands of dollars, and in some states, jail time.
Consider this about renters insurance:
• In the event of a fire, flood, tornado, etc., your landlord’s insurance policy won’t protect, repair or replace your personal possessions.
• If a guest is injured while at your apartment and needs medical attention, again, you could be responsible for bills that result from a trip to the ER.

If you’re already cash-strapped, rolling the dice on being uninsured is a careless and potentially dangerous move. The key to finding affordable coverage is exploring your options.
No matter your budget, there may be a level of insurance protection that is just right for you.
We’ll be happy to talk with you about your level of risk and how to protect yourself

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If you’re in an accident, our goal at Farmers is to help you get back on the road — safely and quickly — with our award-winning claims service. To learn more about the advantages of Farmers auto coverage, call me today.
It’s not exactly cheap to own a car these days – and auto insurance increases are all over the local news lately. But these tips may help you reduce your insurance costs.
As Americans, we love our cars. We may not love our car insurance costs, but the financial protection we gain from those policies is a trade-off we just can’t live without -- just ask anyone who’s been involved in an accident.

1. Comparison Shop. If you have a good driving record and/or buy a safer car, your premium may go down. But shop around - increased competition means better auto insurance rates!
2. Ask for discounts. These factors may lower your insurance premiums:
• Combining two or more cars on one auto insurance policy
• Buying a car with airbags or other safety equipment like stability control or automatic braking
• Installing anti-theft devices in your vehicle
• Completing a safe driver’s education course
• Insuring your home and auto with the same insurance company
• If you’re between 50 and 65 years of age, ask about a mature driver discount
• The good grades discount (for students under 25)
3. Increase your deductible. The higher your deductible, the lower your premium. Set your deductible as high as you comfortably can.
4. Remove comprehensive and/or collision coverage on an older car. If your vehicle is several years old–or worth less than $1,000–it may not be worth much anyway, and you’re overpaying for protection. Dropping unnecessary coverage can reduce your monthly premiums.
5. Find out what your insurance will be before you buy a car. Auto insurance companies know which cars are expensive to fix and/or which don’t protect you so well in accidents. Don’t let yourself be surprised. Before you buy a new car, do some research and ask your insurance company what would happen to your rates. If you can get a VIN on the new car, you’ll get a more accurate idea of what will happen.
6. Review and update your policy regularly. Your auto insurance rates change due when you add or remove drivers or automobiles, or even if your daily commute changes. Talk to your insurance company about any changes you make. You could walk away with lower premiums!

If you were among those who received an unpleasant surprise when your auto insurance policy renewed this year, don’t despair. There are ways to take the sting out of your car insurance premiums. Just try these simple tips:

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1. Not Buying Enough Protection, or for Long Enough
Always buy at least 10x your income in life insurance coverage. If you’re getting a policy through work, it is likely only one year’s worth of coverage, which isn’t nearly enough for those who depend on you now.

If you’re the primary earner in your household, your spouse and children need to be taken care of if something happens to you. When you have plenty of coverage in place, it will allow them to maintain their lifestyle until they figure out their next steps.
Regarding the length of the term, you might think you’re saving money by choosing a shorter term of coverage, like 10 years instead of 20. But what happens if you buy a 10-year policy and you have medical issues nine years from now that raise the cost of your next plan—or make you ineligible for coverage? Those few dollars saved earlier are now exponentially more expensive.

2. Waiting Too Long to Get Covered
The longer you wait to buy life insurance, the greater the possibility something will happen that will disqualify you from life insurance, or that will make your coverage more expensive. Life insurance premiums generally increase as you get older, so buying sooner rather than later can save you money.

3. Failing to Review and Update Your Life Insurance Policy
It’s always a smart idea to go over your term life insurance policy to make sure you have exactly what you need for your current situation. Your coverage might have been fine 10 years ago, but that doesn’t mean it works for you now. If you have added a mortgage or student loans, that initial term payout may no longer be sufficient.

Life insurance is a major part of a healthy financial plan. Don’t put off buying it, or you could find leave your family in a major financial hole one day.

What other questions might you have about life insurance? We’ll be happy to help you understand your options.

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Recent Reviews for Jason Archer

Rating 4.9
25 Customer Reviews
  • Rating 5.0
    Jason was polite and efficient .
  • Rating 5.0
    Jason was very helpful in every aspect of the process. He took a lot of time explaining each portion of the coverages and tailored the best available package for our needs.
  • Rating 5.0
    Jason was very helpful, courteous and went out of his way to get me the best coverage.
  • Rating 5.0
    Jason came up with the optimum home policy configuration that fits to my need. Good to have someone like Jason as your insurance agent.
    Response from Jason
    Thank you for the review! I'm happy to see that you had a positive interaction with our agency. This type of feedback helps us maintain the level of service that we are committed to.
  • Rating 5.0
    Very helpful
    Response from Jason
    That's What I'm here for James, Glad I can help.
  • Rating 5.0
    Good experience, and tailored for what I need.
    Response from Jason
    Thank you for the review! I'm happy to see that you had a positive interaction with our agency. This type of feedback helps us maintain the level of service that we are committed to.
  • Rating 5.0
    Excellent customer service. Exceeded my expectations. Great rates! Very understanding.
    Response from Jason
    Thank you for the review! I'm happy to see that you had a positive interaction with our agency. This type of feedback helps us maintain the level of service that we are committed to.
  • Rating 5.0
    Jason is very thourough. He helped us a lot with choose multiple policies. He truly cares for you’re well being.
    Response from Jason
    Thank you for the kind review Michelle, Congratulations to you and Steven on your new Beautiful Home. I look forward to working with you for years to come.
  • Rating 5.0
    Very good experience. Knowledgeable and helpful.
    Response from Jason
    Thank you for leaving a review, and for choosing Farmers® for your insurance needs.
  • Rating 5.0
    Very efficient working with Jason. Tailored an insurance to meet our needs.
    Response from Jason
    We really appreciate your candid feedback regarding the service you received.
  • Rating 5.0
    Jason was very helpful with getting me a quote and talking about all the possible options. Happy with the friendly customer service.
    Response from Jason
    Thank you Brian. I am happy I was able to help you with insurance on your First home. Again Congratulations
  • Rating 5.0
    What a great helpful individual
    Response from Jason
    That's what I'm here for Rich, Glad I can help. Feel free to reach out anytime if you need any additional assistance. Thank you for your business.
  • Rating 5.0
    Very pleasant, knowledgeable and helpful. He took the timeto sit down with us and explain things.
    Response from Jason
    Thank you for leaving a review, and for choosing Farmers® for your insurance needs.
  • Rating 5.0
    Jason is a nice guy and very professional
    Response from Jason
    Thank you for the review! I'm happy to see that you had a positive interaction with our agency. This type of feedback helps us maintain the level of service that we are committed to.
  • Rating 5.0
    Jason was extremly helpful and took the time to help me make sure the inusance quote for my new home was what I needed. He went far beyond my expectations with the level of service and professionalism he demonstrarated. He kept updating me every chance he could to make sure my mortgage lenders and I got exactly what we needed in a timly manner.
    Response from Jason
    Thank you so much for the kind words!
  • Rating 5.0
    Great service and agent, thanks!
  • Rating 3.0
    ok so far
  • Rating 5.0
    Jason Archer is absolutely 5 stars. *****.
    Trustworthy, honest, cordial and calmly professional are his natural attributes.
    I am strongly recommending all future business needs to only Jason Archer.
    Truelly a class act.
  • Rating 5.0
    Being new to the project of buying homeowners and car insurance Jason was extremely helpful. He took time to answer all my questions with information that I could understand. I am glad to being doing business with him.
  • Rating 5.0
    Jason Archer was knowledgably for auto and house insurances and how they could affect the customer. Used todays tools to speed the process,
    .Rating - 5 star
Displaying 1 - 3 reviews of the 20 most recent