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New Jersey Car Insurance

New Jersey requires car insurance of residents who own motor vehicles. Getting car insurance is not especially tricky, but you will want to do your research and compare auto insurance carriers to find the policy that works best for you. Cheap auto insurance is very often a temptation for motorists thinking they can save money. However, the cheapest auto insurance can sometimes prove to be expensive when it does not cover things full coverage auto insurance does when it comes time to submit a claim. Whether you prefer opt for discount auto insurance or spend the money on full coverage, you are likely to find a policy that meets your needs. You must keep in mind that New Jersey requires that motorists meet minimum coverage requirements. Furthermore, car insurance rates can vary greatly from one company to the next. Auto insurance rates also fluctuate greatly depending on the individual purchasing a particular policy. Getting several auto insurance quotes is the best strategy. You can save money by comparing auto insurance quotes.

How much New Jersey car insurance do I need?

Car insurance is required by law in the state of New Jersey. But before you buy auto insurance, you may be asking “How much is car insurance?”. Some ask “What is the cheapest car insurance?”. The question you should ask first is “What is the best car insurance for me?” Your decision will be based on the type of coverage you need and what car insurance prices you can afford. There are two basic types of coverage: basic and standard. Basic car insurance cost in New Jersey is usually significantly less than that of standard coverage. However, when you compare the standard and basic policies, while you obtain cheap car insurance, you will find that your coverage is noticeably less comprehensive. Find the right coverage for you and compare auto insurance quotes here.

Minimum NJ car insurance amounts include property damage and personal injury protection (PIP). Basic auto insurance coverage satisfies these requirements. You should note that this option was intended for those with few family responsibilities or assets to protect. These car insurance policies are well-suited for first-time drivers. Another detail worthy of note is that basic car insurance limits a driver’s right to litigation for pain and suffering should they be a victim in a serious accident. Standard auto insurance coverage allows you to choose between limited and unlimited rights to sue. The limited right to sue lowers your car insurance cost by restricting your right to litigate for pain and suffering unless you:

  • Lose a body part.
  • Experience significant scarring or disfigurement.
  • Lose a fetus.
  • Suffer a displaced fracture.
  • Suffer permanent injury.
  • Die.

The minimum amounts of coverage on a basic New Jersey car insurance policy are $5,000 for property damage, $15,000 for personal injury protection and $250,000 for permanent and/or significant injuries. To compare, standard auto insurance policies may offer up to $100,000 or more in property damage and bodily injury protection of up to $500,000 per accident, which is not offered at all with basic car insurance policies; personal injury protection up to $250,000 or more; and higher limits to sue if one has the need. Other car insurance coverage options offered include uninsured/underinsured motorist coverage as well as comprehensive and collision. Learning how to get car insurance in New Jersey that includes comprehensive and collision is best to protect yourself and your property in case of an accident. Comprehensive car insurance covers damage to your car not caused by a collision with another vehicle such as theft, vandalism, fire, flood or hitting an animal.

Getting Car Insurance Quotes

Whether you are looking for cheap car insurance quotes or the best policies, being able to find car insurance quotes online makes shopping around easy. Online car insurance searches offer a fast and efficient way to deliver you the highest number of NJ auto insurance quotes in the least amount of time. Auto insurance quote portals typically ask you to enter in a variety of details including demographic information such as age, occupation, marital status and gender. To determine your car insurance rates, your driving history is also taken into account as is the type and age of your car and where you live. You can also get auto insurance quotes here.

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