I use Joe Gili. For the record, he isn't in Lakewood, but he does work with a lot of Lakewood guys. He got me the cheapest rate through IFA (he is an agent and will shop diff. companies for the lowest rate for you).
I can't vouch for IFA as I B"H haven't had to make any claims with them, but Joe is a good guy and can probably get you better rates than you're finding on your own.