Yo if you're near Montclair...try M&L Insurance on Bloomfield Ave...the guy's name is Murray. I just switched to them. I only have 2 points, but I went from paying $2900/yr with State Farm to $2100/yr with this guy. He's old and does everything like it's 1960...but he's cheap. Give him a call and make an appointment. The number is 973-744-0595