Local Expertise vs. National Carriers
Compare Car Insurance Companies in Bergen County
See why Bergen County drivers choose Midland's personalized service and 20+ carrier options over going direct.
How Midland Stacks Up Against the Big Names
Compare features, service, and value between Midland Insurance and the major carriers.
| Features & Services | MidlandLocal Broker | Progressive | GEICO | State Farm |
|---|---|---|---|---|
| Local Bergen County Agent | Limited | |||
| 24/7 Customer Support | ||||
| Number of Carriers | 20+ | 1 | 1 | 1 |
| Personalized Policy Review | Agent Dependent | |||
| Claims Advocacy | Limited | Limited | Limited | |
| Bundle Options | All Types | Limited | Yes | Yes |
| Commercial Insurance | Limited | |||
| Annual Policy Reviews | Agent Dependent | |||
| Local Market Knowledge | Expert | Limited | ||
| In-Person Consultations | Agent Dependent |
Average Monthly Rates in Bergen County
Midland (Best Match)
$165
Up to $480/year
Progressive
$185
Direct only
GEICO
$179
Direct only
State Farm
$192
Agent rates vary
*Rates based on average Bergen County driver with clean record. Your rates may vary.
Why Bergen County Drivers Choose Midland
Experience the difference of working with a local insurance expert who knows your community.
Face-to-Face Service
Meet with your agent in person at our Upper Saddle River office. No call centers, no runaround.
Bergen County Expertise
We know Route 17 traffic, GW Bridge commutes, and local risk factors that affect your rates.
Claims Advocacy
When you need to file a claim, we fight for you. We know the adjusters and the process.
Policy Reviews
Annual reviews ensure you're not overpaying and have the right coverage as your life changes.
20+ Carrier Options
We shop multiple carriers to find the best rates. Big companies only offer their own policies.
Quick Local Response
Need help? We're 10 minutes away, not in a call center halfway across the country.
Ready to Save with Local Service?
Join thousands of Bergen County drivers who've made the switch to Midland.
Frequently Asked Questions About Insurance Companies
Why choose a local insurance broker over a big company?
Local brokers like Midland offer personalized service, access to multiple carriers, and advocacy when you need it most. We know Bergen County's unique insurance needs and can find coverage big companies might miss. Plus, you get a real person who knows your name, not a call center.
Can Midland really beat Progressive or GEICO's rates?
Yes! Because we work with 20+ carriers, we often find better rates than the big direct insurers. We also uncover discounts you might not know about and ensure you're not over-insured or under-protected. Our customers save an average of $380 per year.
What happens when I need to file a claim?
This is where local service shines. We guide you through the entire claims process, advocate on your behalf, and ensure fair treatment. With direct insurers, you're often on your own navigating complex claim procedures.
Do I have to come to your office?
Not at all! While we're happy to meet in person at our Upper Saddle River office, we also handle everything by phone, email, or video chat. The choice is yours - that's the advantage of local service with modern convenience.
How does Midland access so many insurance carriers?
As an independent insurance agency, we're appointed with over 20 top-rated carriers including Progressive, Travelers, Liberty Mutual, and many others. This lets us shop the market for you, something captive agents and direct insurers can't do.
Is switching insurance companies complicated?
Not with us! We handle all the paperwork, ensure there's no gap in coverage, and even help cancel your old policy. Most switches take less than 15 minutes of your time, and we do the rest.
Ready to Experience the Midland Difference?
Let us show you how local expertise beats big company bureaucracy.