New Jersey Auto Insurance
Is your current New Jersey auto insurance about to expire or are you buying a new car?
You need insurance fast and you want the best deal! Lets make this quick and easy so you can get back to the things you like to do.
What if you could get better coverage and lower rates for next 6 or 12 months? To find the best deal you need to get some quotes so you can compare prices from different auto insurance companies.
Don’t worry, you only have to answer these questions once and you can get up to 8 different quotes from major companies.
Answering questions
If you know the following information it will only take you 2 minutes to answer the questions to get your quotes:
Car Information
* year, make, model,
* expected mileage, coverage level, deductibles
Drivers information
* personal status,credit rating,education,occupation,
* some personal info so they can send you the quotes
If you know this you are ready to get your quotes!
NJ auto insurance explained
If you like someone to explain auto insurance to you so you know you choose the right policy from all those quotes you can watch this video that we found for you on youtube:
New Jersey auto insurance law
As you’ve seen in the video every state has different minimum requirements for auto insurance coverage. These minimum requirements are usually way too low and like you’ve seen in the video you can end up in financial disaster if you don’t get it right.
New Jersey (NJ) Auto Insurance Laws (source)
Minimum Liability Coverage Required:
One has to buy State minimum liability coverage ($15,000/$30,000/$5,000).In simpler words one has to buy the following worth of coverage
* For bodily injury to 1 person: At least $15,000.
* For all bodily injuries: At least $30,000.
* For property damage: At least $5,000.
Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy.
Proof of Insurance is required or not:
* At the time of registration : Not Required.
* At the time of accidents : Required.
* At all times while in a vehicle : Required.
Additional Information
* State type: No-fault State.
* Uninsured Motorist Coverage: Required
* PIP Coverage: Required.
* Penalties: $300-$1,000 fine, community service and 1-year license suspension for the first offence.
National Insurance Consumer (NICH) Helpline: 1-800-942-4242
Discounts
Most insurance companies offer discounts, some are available to everyone and some are specific for certain groups. Even if you fall into a high risk group like young drivers you can get a discount to save on your New Jersey auto insurance premiums.
These are some of the discounts that could be available to you too:
* Insure more than 1 car on the same policy
* Electronic signature
* Paperless account
* Check the difference if you pay in full instead of a monthly pay plan.
Before you buy the quote you like always ask for other discounts. If you don’t ask they won’t offer.
