Talk to an agent: (201) 918-3627
Press play below to listen to our audio commercial:

Easy Tips to Find Affordable Auto Insurance Quotes in New Jersey

Those who have been living in NJ for a long time know that finding cheap auto insurance plan was never easy. However, you should be thankful to the recent amendments in laws related to auto insurance policies in NJ due to which people are not able to find a basic auto insurance policy. If you will keep all your legit options in mind, it will not be difficult at all to find the right insurance policy for your car that is cheap as well. Actually, you should be thankful to the Automobile Insurance Cost Reduction Act. Even if you search for auto insurance quotes New Jersey at hundreds of places, you will not find the more cheap policy than basic auto insurance policy in NJ.

Before the Automobile Insurance Cost Reduction Act, it was not possible for NJ drivers to get a cheap auto insurance policy. Before that, the cheapest car insurance policy was standard insurance policy that is not cheap actually. However, if you do not have any other option when it comes to cheap auto insurance quotes New Jersey then the standard policy becomes the cheapest ones. Anyways, this is not the situation now as you can easily find the best policy for yourself in the market. All you need to do is to buy the basic auto insurance policy and you are completely protected. Let us look at the basic insurance policy.

The Cheap/Basic Car insurance Policy NJ

According to the basic car insurance policy in New Jersey, you will be offered personal protection money of $15,000 per person and the compensation per accident will be $30,000. In case of a significant or permanent injury, total amount of money allotted will be $250,000. The property damage liability offered in the policy is $5,000 per accident. Final, compensation totally depends on the policy that you are bought.

If you are going for basic or cheap auto insurance quotes New Jersey then you must know that what those things are that are not included in this insurance policy to make it cheap. The bodily injury liability is not added in this basic policy but if you want then you can get it as an option. If you chose to add this feature in your policy, you will get $10,000 per person for every accident.

If we talk about the uninsured motorist or the underinsured motorist coverage then these are not also added in the basic auto insurance quotes New Jersey. You will not get the collision coverage and the comprehensive coverage in basic insurance policy as well. If you want, you can add comprehensive and collision coverage in your basic car insurance policy. It will depend upon how the basic insurance policy was issued to you.

So, if someone tells you that they can help you get the cheapest auto insurance quotes New Jersey then you should understand that the person is actually talking about the basic insurance policy. Before you agree to get any kind of policy, it is highly recommended to read the state laws and also to know what those benefits are that you can get.