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

New Jersey Cheap Car Insurance According to AICRA

People often wonder what are the factors or things that actually bring the cost of car insurance policies down. Well, there are a number of factors that determine the overall cost of any car insurance policy. If you specifically talk about New Jersey, the Automobile Insurance Cost Reduction Act has enabled drivers in New Jersey to buy the most basic kind of car insurance policy for their vehicles. Not having to buy comprehensive or collision car insurance saves a lot of money for a lot of people. Complete information regarding the insurance and monthly premium rates is available on the New Jersey Department of Banking and Insurance website. Along with other insurance consumers, car insurance consumers have been given special attention and all issues regarding the different aspects of buying car insurance policies have been clearly defined.

Almost all insurance companies in New Jersey will ask for details of the car like its model and make, its age, the number of years the driver has held a driving license, his driving records, his residential details and the route which he normally drives his car on. Apart from these things, insurance companies also check if the car is fitted with safety and anti theft devices. All these factors determine the cost of your insurance policy and the rates of the monthly premiums you will get.

According to the AICRA (Automobile Insurance Cost Reduction Act), drivers can now get cheap car insurance in New Jersey. A lot of companies have started offering cheaper car insurance policies which are even low in cost than the standard car insurance policies in New Jersey. These kinds of New Jersey cheap car insurance policies offer property damage liability of around 5000$ per accident. They also offer personal injury protection and permanent injury protection of up to $15,000 and $250,000. Cheap car insurance policies in New Jersey generally do not include bodily injury protection but the consumer has the option of adding it to his coverage plan. Bodily injury liability of up to $10,000 is provided by most insurance companies.

A lot of times, motorists and vehicle owners can hope to get New Jersey cheap car insurance policies if they have a good driving record. Drivers who are accident prone and have a history of car related mishaps and accidents usually have to pay higher monthly premiums since the chances of them getting involved in accidents again are higher. Students and teenagers can also get cheap car insurance policies in New Jersey if they have a good and clean record with their academic institutes.

This could be the best chance for you to make sure that you don’t end up paying more for your New Jersey Car Insurance policy. All you have to do is enter your ZIP code on the top of our page and we will give you a free price comparison from different auto insurance companies operating in your region. Enter you ZIP code now and save hundreds of dollars!