Auto Insurance

Buying direct online forces you to do all the research yourself and locks you into a single company's pricing. When rates spike, you have no recourse. As an independent brokerage celebrating 40 years, CPJR Insurance shops 30+ insurance companies simultaneously. We evaluate coverage limits, find overlooked discounts, and act as your personal advocate during claims—at zero extra cost to you.

Bundling your auto and home or renter's policy with the same carrier (such as Travelers, Progressive, or Encompass) often yields discounts of 15% to 25% on your combined annual premiums. We analyze your policies to see if a single bundled package or separate specialized underwriters offer you the lowest total cost with superior coverage.

¡Sí, hablamos español! Our agency has dedicated bilingual staff members who can explain complex policy terminology, guide you through quotation forms, assist with document verification, and support you during claims filing in Spanish.

The Delaware Insurance Placement Facility (FAIR Plan) provides property insurance to property owners who may have experienced prior claims, older wiring/roof conditions, or coastal exposure that traditional standard carriers decline. As an authorized facility representative, CPJR Insurance can place coverage through the FAIR Plan to ensure your property remains protected and compliant with mortgage requirements.

All our represented carriers (Progressive, Travelers, Nationwide, Foremost, etc.) maintain 24/7 direct claims filing telephone numbers and mobile applications. You can report an accident or property loss immediately to your specific underwriter for fast roadside dispatch or adjuster assignment, and follow up with our office at 1-302-995-5451 for guidance.