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Top 3 Things to Consider for Your New Jersey Auto Insurance Policy

You should never wait until a big change takes place before making significant changes to you policy. By constantly reviewing your auto insurance policy, you are able to save a lot of money in addition to making sure you have the right coverage for your specific needs at a specific time. Here are a few things to consider when reviewing your New Jersey auto insurance policy:

1. Number of drivers that are covered in your policy

The number of drivers covered in your policy might have changed over time. Some of the drivers covered in the policy within your household might have moved to another state making it useless to have them in the policy. Contact your  New Jersey auto insurance agent  about reviewing your policy in the event you get divorced or married, if someone in the policy dies or when you teenage son or daughter starts driving or they get their own car insurance policies.

2. The Vehicles Covered

With changes in the car you drive, you should make sure you review your insurance policy to assure that it is the right kind of policy for the new vehicle. In the event that your car is bought with a loan, ensure that the lender bought the right amount and the kind of coverage. You may also want to downsize your policy in case you bought a new vehicle and the older one has gotten on in years.

3. The type of coverage

Car Insurance in NJ offers a number of insurance options that may be confusing if you do not have the right information. What you need is to have as much insurance as you can afford. This is helpful in case of accident where you will be able to cover the cost. The minimum amounts for the different insurance covers required by the state of NJ may not be enough to cover the expenses arising from a car accident. Such coverage that you take up in addition to the state required insurance are comprehensive insurance and collision insurance if for example your teenage son or daughter is added to the policy or when you buy a new expensive car. You may also consider getting rid or reducing this coverage to save some money if the vehicle gets old. You may also want to add coverage like emergency roadside assistance if you are a frequent traveler and gap insurance if you leased a car.

These are just but a few pointers on why you should constantly review your car insurance policy just to be sure you are not over insured or under insured. This can save you up to $1,000 annually. For more information you can enter your zip code in the form provided above. You will also get free NJ auto insurance quotes where you will get matched up with a reliable auto insurance company of your choice.

The Expungement Law and Its Relation To Traffic Violations and Your Car Insurance in NJ

Car Insurance in NJ law concerning Driving Under the Influence (DUI) is said to be a bit lenient as compared to other states. However, this does not mean that it lets intoxicated drivers go unpunished. A DUI arrest in one’s driving history is a very serious offense and will obviously affect your auto insurance premiums for a long time. Driving history is a major issue in all auto insurance companies even in the great state of New Jersey. First of all, you will not be able to access cheap insurance benefits from a clean driving record. With a DUI charge, you will be viewed as a high auto insurance risk. A repeat DUI arrest will only make things worse in that your premiums will increase even further.

Despite all this you can still have the DUI charge removed from our driving record. Here’s introducing the Expungement Law. It is also referred to as the sealing law. It erases or conceals a conviction from an individual’s criminal record. The details of the law vary from state to state while some do not even recognize it. This law can only be applicable to an individual in special circumstances. The most common reason is to be able to pass a background check from a potential employer. This happens mostly if not all employers in all fields of work do background checks of an individual before offering them a job in their companies.

A DUI felony in this aspect can greatly affect your chances of getting a job or even securing a promotion for that matter. This is evident even in fields that do not involve driving as part of the job. When filling out a job application form, there is a question on whether or not you have been convicted of a felony to which you will either answer yes or no. With a good DUI attorney to argue your predicament before the court, your DUI conviction can be expunged from your record and you can easily answer no to the above questions in your job application. Lying on one’s job application is not advisable but in this case, you will not be even if the employer were to check your criminal record, your DUI conviction will not appear.

However, the Expungement law or sealing law does not apply to all cases. A first drunk driving offense is considered by law a prior able offense. This is to say that once your first DUI offense is expunged from your criminal history, a consecutive arrest will be regarded as a second DUI offense. This means that your offence will be treated with all the seriousness that comes with a repeat offender. In short, your initial DUI conviction will come into light in this aspect.

Car Insurance in NJ views all expungements as misdemeanors. The law is different in all states. To find a good DUI attorney to advise you on the Expungement Law, enter your Zip at the beginning of this page.

Required New Jersey Auto Insurance Coverage and Other Add-ons

There are a number of car insurance options that one can choose from in the state of New Jersey. Knowing your way around the industry is the most important thing if you want to get the best New Jersey auto insurance deal available. You need to understand the different types of insurance coverage that there are and the purpose they serve. This will make you decision making process much easier to achieve the auto insurance policy you need.

Here are a few of the insurance coverage you may want to look into:

1) Liability

Liability insurance is a requirement in most of the states and New Jersey is no exception. What liability insurance does is cover the costs or expenses that arise in the event of a car accident in which you are the cause. It covers damages that you may cause to another individual’s property and also bodily injuries that you may cause to another individual in the unfortunate event of a car accident. You are required by law to carry a minimum of $5,000 for damage you may cause to property and $10,000 for bodily injury or harm you may cause for one person per accident. These are the minimum requirements for the basic policy in the state of New Jersey. However, it is advisable to carry more insurance than the minimum required amount because in more serious auto accidents, the minimum required amount is usually not enough.

2) Additional New Jersey car insurance cover

As a precautionary measure, it is in your best interest to look into additional insurance cover to supplement the mandatory minimum required insurance coverage. Some of the additional New Jersey auto insurance options include collision coverage that entails coverage for damages to your automobile in case an accident occurs. Another insurance coverage you might want to look into is comprehensive coverage which covers your car against such events as theft, natural disasters, vandalism, unfavorable weather conditions and so on. It is advisable to consider these insurance coverage especially if you own an expensive car, if you commute in an area with high traffic or if you live and commute in a densely populated area. In contrast, if you live in an area that is sparsely populated places like rural areas and the traffic is not heavy, then you might not need all these insurance coverage. This also applies in case your vehicle is relatively inexpensive.

To be able to get the most reliable car insurance in NJ, you will need to do a thorough research and the best place to start this research is right here. All you have to do is enter you New Jersey zip code in the space provided above and you will find a list of the best car insurance providers in your locality. You will also get a free NJ auto insurance quote.

Car Insurance Penalties and Fees Concerning DUIs in New Jersey

All crimes however big or small come at a price. Once you are arrested on a DUI, Car Insurance in NJ dictates that you must face some fines and penalties. Each state has different fines compared to the gravity of the offence as concerns DUI.  There are a number of factors that come into question when determining the amount of fines or fees that one is supposed to pay. The nature of the DUI arrest is coupled with the number of arrests that the individual has in their file. In essence, you will pay fewer fines for a first DUI offence than a second one. The more the DUI offences you have in your driving history the more fines that you will pay if you have a consecutive offence.

There is a breakdown of fees that are accumulated to result in a DUI penalty if arrested.  You may be lucky to be pardoned by the courts and only have to pay your court legal fees. Getting such a chance is slim since DUI is a serious offence. However, once convicted you may need to pay for the following:

* A hardship driving permit for those who have to drive in order to make a living.

* Fees for restoration of a suspended drivers license.

* Cost of installation of the Ignition Interlocking System.

* Court ordered counseling and substance abuse programs.

* Legal Fees such as for a DUI attorney to help through the court process.

* Additional Car insurance premiums in NJ and surcharges.

These fees are the basics of what you will need to pay after a simple DUI charge. If the DUI offence resulted in serious bodily injury or death to someone else, the penalties may range from one year to life imprisonment.  The court fees that may amount from a DUI according to Car Insurance in NJ will be around $250 – $1,000. However, these are only court fees since the actual amount will most likely be more than what is mentioned herein.

New Jersey has one for the lowest court fees in the United States. Charges for other states like Illinois and Massachusetts that have a maximum of $25,000 and $50,000 respectively. These are among the most expensive states to have a DUI conviction in. With all these charges involved as a result of having a DUI conviction, it’s suffice to say that you will be on the more financially sound side by avoiding getting convicted in the first place. Many people seem to ignore this fact until they find themselves convicted of this offence.

To avoid getting yourself into penalties that can easily put you in dire financial strains’, enter your zip at the beginning of the page and stay informed.

An Overview of Car Insurance Laws for Underage DUIs in New Jersey

The minimum drinking age all over the United States is set at 21 years old. In addition, one can start driving from the age of 16. A person below the age of 21 is considered a minor and is not allowed by law to drink alcohol. Usually at this age, individuals are very experimental and have wild lifestyles that will most likely involve drinking. Since the law already allows them to drive at 16 and not drink until they reach 21, there is a set blood alcohol limit for them.

A driver under the age of 21 has a maximum Blood Alcohol Concentration level of 0.01 concerning Car Insurance in NJ. There are serious ramifications for persons in this age group found to be driving with a Blood Alcohol Concentration level of 0.01 percent and above. First of all; as the law dictates; the individual will have their driver’s license suspended for roughly one year. This taint in their driving record will have long term ramifications in the future of the individual. Since most persons in this age group are living with their care givers or doing part time jobs with minimum wage, they will need to reduce their expenses a lot especially when it comes to Car Insurance in NJ. An underage DUI conviction in their record will automatically increase their insurance premiums which will cause a serious strain on their budget. This is obviously a bad start to your driving history since even though you decide to switch to a different auto insurer, with such a record you will be automatically viewed as a high insurance risk. This means that you will be paying high New Jersey auto insurance premiums for a long time to come.

Apart from a suspended license and high future auto insurance premiums, there are other aspects an underage DUI convict has to contend with. Depending on the circumstances surrounding the arrest of the individual, they may have to pay fines or even face jail time if the individual was involved in an accident that resulted in grievous damage to other individuals and or property. Moreover, you may also be required to attend court mandated drug rehabilitation programs. All of these costs are transferred to the parent in most cases, thus putting an additional financial constraint to the current economic downturn being experienced globally.

Most employers do a background check on their employees as well. It is very sad to have your first job pulled away from you just because of a prior underage DUI conviction. Starting your working career from such a note can adversely affect your future prospects. Such harsh measures are put in place to discourage young inexperienced drivers from being drawn into drunken driving whether above or below the legal drinking age.

To know more on how to avoid such instances, enter your area Zip in the slot provided at the top of this page.

4 Tips on Finding Car Insurance in NJ According To Your Needs

In your quest to get the best car insurance deal in the state of NJ, you will need to have a good plan outlined in order to achieve your goal. Here are a few tips on what you have to do to attain the type of New Jersey auto insurance you are looking for.

InsuranceQuotesForCar1. Check for registration and licensure with the state of NJ

The New Jersey Department of Insurance is the best place to begin your search since it gives you a list of the car insurance carriers in the state of NJ licensed to operate in the state. You do not want to get car insurance from an unlicensed auto insurance company making it null and void when you want to make a claim in the unfortunate event of an accident. No need to look further into a carrier that is not legally allowed to operate in the state. You could easily get this information from the NJ department of insurance website. If not convinced, you could as well contact the department and get a list of the licensed New Jersey auto insurance providers.

2. Compare insurance quotes from different car insurance providers in NJ

To begin with, finding the cheapest car insurance provider is not everything. You need to get the best deal that offers the best coverage at a reasonable rate. You may get a cheap deal that gives you low coverage putting you at a disadvantage as opposed to a deal that offers you more coverage at the same rate. You only have to do much research to achieve this. The best place to start is the internet. Go online and get car insurance quotes from different carriers within your locality and make a decision on which best suits your insurance needs and budget.

3. Check the insurance company’s rating

After you shortlist the companies you would like to deal with, do a background check on them. To do this, check out the J.D. Power and associates ratings. They gather information from existing and former policy holders and rate car insurance companies based on several factors e.g. cost, coverage options, claims handling, and customer satisfaction and so on.

4. Discounts

Do not overlook discounts at any one time. They can save you up to $650 annually in premiums. Get the company that offers you the best discounts you can get.

To get the best deal out of the car insurance company you get, make a point of doing thorough research since it is so competitive out there. For a start, enter your zip in the space provided in the form above. You will get free NJ car insurance quotes in addition to more information on tips to get car insurance in NJ.