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

Complying with the Mandated New Jersey Auto Insurance Laws

The general definition for car insurance is that it is a tool for establishing financial responsibility in case an accident occurs that results in property damage, injury or even death. As with every state, New Jersey Auto Insurance Laws require from the drivers to have insurance policy for coverage of damages that are caused by the insurer. In addition to that, drivers that operate financed or leased vehicles are commonly required by the loan giver to have additional types of coverage – collision and comprehensive.

Unbelievably, but the state of New Jersey is extremely strict when it comes to auto insurance. If you are ever found driving around without proper vehicle coverage, or at least the required minimum coverage, you are surely going to find yourself in hot waters. The reason is that you will not just face severe fines and penalties, but there is also a good chance that your registration might be suspended. In order to get it reinstated, you would need to pay a lot of fee and penalties and you would also have a bad credit count because of this mistake. For this reason, it is necessary for you to acquire in depth details about the basics of auto insurance in New Jersey to be able to get ample coverage with the best policies being offered by top-notch providers in the state of New Jersey.


Basic Insurance Requirements in the State of New Jersey

New Jersey auto insurance laws require from the drivers to have bodily injury insurance that features minimum liability of $25.000 for one injured party as well as minimum of $50.000 per accident. Translated in plain English this means that if the insurer causes an automobile accident, which will result with the injury in one person, the insurance policy must cover at least $25.000 of the total sum requested because of the accident. In case the driver causes an accident in which two or more people are injured the policy must be able to produce minimum $50.000. In addition, the driver needs to have property damage insurance policy that includes minimum liability of $25.000 per accident. Driving without insurance policy in the eyes of the State of New Jersey is a misdemeanor punishable with $1.000 fine and up to one year in jail.

Insurance Reporting

The State of New Jersey demands from all insurance companies to report electronically their insurance policies to the Electronic Insurance Compliance System within thirty days, counting from the first day of purchase. That way the data is stored in that database are available for the law enforcement as well as other state officers. Regardless of that, every driver is obligated to carry their policy in their vehicle in any given time. The insurance companies that make the policies are also obligated to report termination or cancellation to the Department of Driver Services. Once the DDS receives that information it contacts the driver which policy is terminated or canceled and instructs him or her to make new insurance policy. If the driver fails to obtain new insurance policy he risks to be fined or to earn a suspension on vehicle registration.

Alternative Solutions to Financial Responsibility

Even though that most of the drivers in the State of New Jersey prefer to establish some form of financial responsibility within standard auto insurance policies, there happen to be alternative ways to do so. Drivers can secure a deposit, bond, or other means that can guarantee the $100.000 minimum coverage (injury and property damage coverage minimums). These matters are handled by the New Jersey Insurance and safety fire commissioner and you must always make sure that you keep up with the laws of auto insurance in New Jersey if you wish to confirm that you continually get to drive your car around without getting worried about suffering from severe consequences.

To make sure that your family remains safe at home, at all times and you do so by purchasing insurance for them, it is necessary to purchase auto insurance as well to make sure that you get compensated in case any accidents, or even mishaps take place while you are out driving on the road. All of these steps are necessary for your personal security, so make sure that you consider them.

The consumers in New Jersey are required to possess automobile liability insurance, particularly for the minimum limits that are deemed necessary for one to be able to drive on the highways and public road in the state of New Jersey. The minimum liability limits are said to be bodily injury liability and property damage liability. Both of these are priced at about $25,000 per person and $50,000 per occurrence on an individual basis. Then there is liability insurance, which needs to be paid to cover for the damages that were caused by accidents that occurred due to your personal negligence. The fact of the matter remains that if anyone is found without possessing the minimum coverage, the person is going to be subjected to stiff fines that are very high, and the worst part is that your registration might also be suspended. In such a case, reinstating your registration is going to be a terrible ordeal and you would be required to pay high reinstatement fees. Overall, the experience is very not worth it and it is highly recommended for you to purchase ample insurance coverage so that you can drive around without having to worry about issues such as these.

However, even with all the knowledge on the car insurance laws in New Jersey you cannot get the lowest rate if you do not know how to do so. That is something that requires only minutes of your time.

Actually, if you enter your zip code on the top of this page you can instantly get free quotes from plenty of insurance companies. At the end of the day, compliance to the Auto Insurance Laws in New Jersey does not have to mean that you need to overpay for your policy.

What’s the Ideal Car Insurance Policy in New Jersey according to your Age Bracket

Everyone that wants to drive legally in the state of New Jersey needs to acquire insurance coverage. Even though that most of the drivers think that basic insurance coverage is what they need, that`s not always the smartest choice. Finding and obtaining suitable and cheap car insurance in New Jersey can be done with ease but it requires having in mind your own personal circumstances. As you get older, your needs will change and they won`t be as same as when you started driving. As you go through life, your need in terms what you want from an insurance policy will surely change. You need to have in mind to apply changes on your policy as time goes by. Simply renewing your insurance policy can be a mistake, a mistake that can cost you a lot in different ways. If your insurance policy doesn`t reflect your needs at particular age then it`s likely that you won`t have the right coverage adequate to your personal needs.

If you are a young driver, you might consider opting for a basic insurance policy before raising deductibles. However, that largely depends on the type of the vehicle you own and the time you spend on the road. Young drivers with brand new sports car or some other expensive car that spend quite a lot of time on the road need to opt for policy with increased coverage. On the other hand, student drivers or teen drivers that own an older car that drive only to school or work, a basic coverage may be all they ever need. As you enter your 20’s and start to change your lifestyle, your car insurance needs will surely change for you.

Let`s assume, that at some point you decide to get married, then you will need to obtain a policy that includes coverage for the spouse as well. Married couples very often own more than one car, so it is important to insure all of your vehicles. Placing all of your vehicles in a multi-car insurance policy, adding your spouse to the policy, plus if you have a good driving record than you can expect low price on your insurance policy.

In the next phase of your life, what you might expect is children and they reach driving age. Same as you when you were a teen they will want their own vehicle as well. Regardless, if they have their own vehicle or they`ll use the family car they will need insurance policy. As most of the parents know, getting auto insurance coverage for a teenager is quite expensive. In order to get some discount you need to talk to your current insurance provider and see if you can get some. If you are with one insurance agent for a longer period, you can count on some discount.

Once you retire, you may consider a revision on your insurance policy. If you don`t use your vehicle that much as you did before, then you might consider smaller coverage. In addition to that, you can check if you qualify for a low mileage discount, which is for those drivers that drive no more than 10.000 miles per year. That can save quite a lot on your premiums. Regardless your age category there is an easy way to find cheap insurance policy. Enter your zip above to compare free quotes from New Jersey car insurance companies and see how much you can save.

Top Tactics to Maximize your Savings on New Jersey Auto Insurance

Finding cheap New Jersey auto insurance is more than a myth than a reality, mainly because this state has the second highest auto insurance rates in the country. However, that doesn`t mean that you cannot find the cheapest of all and maximize your savings. There are few things to consider when looking for new or renewing your current auto coverage. Here is some of the most effective money saving tactics, which can be applied for car coverage on the territory of the state of New Jersey.

Pick Your Cars Carefully

This is important when buying a new car. Cars that are popular among thieves, cars that cost a lot for maintenance, sports cars, luxury cars, they can cost you a small fortune to insure. If your incomes are not proportional to the class of your car you need to be wiser and go for a car that is closer to your standard, car with plenty of safety features and car that doesn`t cost a lot to repair. The insurance companies will value that and will give you more reasonable premium.

Defensive Driving Class

The New Jersey laws obligate insurers to give you a discount if you pass this course. Every insurance company operating within the state must observe and comply with the mandated laws. The New Jersey motor vehicle commission is responsible for implementing this directive into practice.

Drive Safe

Even though that this is understood, it needs to be pointed out when talking about NJ car insurance rates. The cleaner your driving record the lower your premium will be. Keep it clean more years in a row and you`ll pay the lowest possible premiums.

Park Your Teenagers in Your Least Expensive Car

If you have a teenage son, you had better be skilled in explaining why a sports car is off limit for him. However, if you name your teenage children as drivers of your least expensive cars your premiums won`t change much, opposite of what would happen if you name some or all of them as drivers of a sports car.

Name Your Spouse as a Driver

Most of the insurance companies see this as a sign of responsibility and stability and offer discounts. This is one of the benefits of getting married.

Raise the Deductibles

According to the statistics, each driver in average, files a comprehensive claim once in ten years and collision claim once every three years. The mathematic say that if you increase your collision deductible from $200 to $500 you can save around 30% annually.

Combine Coverage’s’

As with most other products, insurance companies offer greater discounts the more business you bring to them. For an example, if you bring your home and car coverage to a single insurance company you can expect up to 15% discount.

Deal With the Small Staff on Your Own

Often claims often raise red flags to insurance companies; some of the insurers can even deny you to renew your policy with them if you have more than two or three claims in three years. So try to sweat the small staff and pay if your own pocket if the damage is not too big.

Check Your Credit Rating

Even though that not all company consider this when they assess your risk and make your premium, you need to make sure that your insurer considers it or not. If your credit rating looks great you have no problem and that can mean lower premium, but if your credit rating is bad than you are in trouble. Bad credit can significantly influence increase your premium. That is why it`s crucial you talk about this matter with your insurance agent and ask him to explain you where you stand with it.

Limit Your Right to Lawsuit

This is something that needs to be carefully considered before asking for it. Even though that limited right to lawsuit means that you will have lower premiums it also means that you can`t sue anyone if you are hurt in a car accident for which is not your fault. However, there are exceptions for which you can still sue, such as; significant disfigurement or scarring, displaced fracture, loss of body part, loss of fetus, permanent injury, and death.

How Your Age Influences Your Age

Different age brings different risks, different criterions and with that different types of discounts. The best way to understand how it affects your premium and the possibility for discounts is if you talk to your insurance agent. Make sure you that he explains every detail of that so you can get the best deal.

Study Hard

This might sound bit cheesy but if you are a teenager and you want lower premium you need to maintain good average. Students that maintain an average of B are automatically qualified for a discount on their auto insurance policy. If you don`t have that average you need to visit the study rooms more often if you want your discount.

Annual Mileage

This depends on how much miles you do with your vehicle every year. Most insurers don`t ask you about this because they assume that you drive more than 10.000 miles per year. However, if you are one of the rare drivers that I average drives less than that you need to tell that to your insurance agent. Everybody that drives less than 10.000 miles per year is qualified for a discount.

Get Free Quotes from Other Insurance Companies

Some know, some don`t that it`s possible to get plenty of free quotes from insurance companies. The insurance agents prefer not to speak about this because they might lose your business even though that they are aware of that. The way to do that is if you use some of the online services specially designed to give you free quotes from insurance companies.

If you find that useful just type in your zip above on this page and you will have your free quotes in just a few seconds. Getting quotes from as many as possible auto insurance companies in New Jersey is the best if not only way to find cheap coverage.

Essential Things to Regard When Searching for an Auto Insurance Company in New Jersey

Picking the right auto insurance in New Jersey can be bit tricky, especially if you want to find the one that suits you the most. Going with the one you see on a TV add or the one that your friend has is almost never a good idea. Therefore, considering all your options is crucial if you want to make the right choice. Nevertheless, you need to know what to look for before you start your quest. Here are few things that make an auto insurance company trustworthy.

One of the first rules is to look for companies that have a long tradition in the car insurance industry, companies that are established on the market for a long period. In 90% of the cases these companies are the ones that have the best rates and with it the best terms. You don`t want to go with a company that is not well established on the market.

You need to talk to go online and see what other people are saying about them and their services. Nowadays, the internet is the perfect place where you can learn how a company is doing and how it conducts its business. People like to review services and products, NJ car insurance coverage is no exception. This might not lead you to the best but will surely help you to avoid some of the bad ones.

Contacting some of the insurer companies via mail, phone or visiting them is always a good idea and recommendable. In that way, you can see how they treat their clients: if do they really want you as a client, or if they are honest when they say that, then they are your best option. If they are so than they will be able to talk openly about every aspect of your car insurance in NJ; that includes their competition and what they offer opposite of their offer. They need to tell you exactly how they`ll assess and calculate your coverage, what your policy covers and the discounts that you can count on if you choose them. Also, it`s good if you ask them how your age affects your premium and how it will affect it in future. This is an important question to ask because it can significantly affect your premium.

Another thing to check with the insurance companies is their policy on credit rating. Many insurance companies use your credit rating as a factor that influences your premium. If you have a good credit rating great, if not you need to be prepared for the increase of your premium. This information can be easily checked online, either from the insurers’ official web sites or from the web site of New Jersey’s department of banking and insurance.

Even with all this checking done, there is one more thing to do and what can make all the difference in the world when choosing a car insurance company for your coverage. Every driver can get a great deal of free quotes from plenty of insurance companies. If you are interested in getting instant free quotes, just enter your zip above on this same page and you will get free quotes from a great number of auto insurance companies in New Jersey.

Ten Effective Ways for Teens to Obtain Cheap Car Insurance in New Jersey

Most teenagers can`t wait to sit behind the wheel and enjoy the freedom that comes with that. However, most of them become much unmotivated once they hear how much it costs to cover their car insurance in New Jersey. Considering that car insurance in New Jersey is mandatory it`s more than clear that this is a serious obstacle for many new drivers, especially teenagers. However, even though that purchasing insurance cannot be bypassed there are few ways to lower the premium. Here are ten tips that can help you to achieve that;

10. Defensive driving test is something that every teenager should do before obtaining an insurance policy. The state of New Jersey obligates insurance companies to give discount to everyone that have a proof that passed the defensive driving test, teens included.

9. Do well in school – Strange as it sounds, but students with high average are given discount on their insurance coverage. That is as long as the student can bring a proof of success to the insurance agent. Most of the insurance agencies offer such discounts. For the state if New Jersey that average should be “B” or higher.

8. Choose basic coverage – The minimum requirement in the state of New Jersey is to have at least basic coverage if you want to drive legally. If you drive yourself mainly to school or to work than this type of coverage is what you need, otherwise you might consider standard insurance policy.

7. Alarm system – Install an alarm system in your vehicle and you automatically qualify for a discount on your insurance policy. However, you need to point that out to your insurance agent to consider that when calculating your premium.

6. Vehicle safety features – This is much similar as with the alarm. Insurers always appreciate if their clients have some extra safety feature part of their vehicle. The safer your vehicle is the lower your premium will be, just once again don`t forget to mention that to your insurance agent.

5. Limit your lawsuit options – This might not be such a good idea for anyone spending more time on the road, but if it is not the case, it can bring good discounts to an auto insurance policy for teen drivers.

4. Don`t go for a fancy model or new car – This is one of the biggest and most common mistakes that first time drivers do. Beginners should always start with an older vehicle and upgrade later because of many reasons. First of all that the premiums won`t be as high as with a new or some sports car, second of all there is a good chance that you make mistakes that will show on your car.

3. Annual mileage – Most of the teenager drivers spend less than 10.000 miles per year. If you are part of that group, you need to talk that through with your car insurance agent in NJ and get yourself a discount.

2. Choose same insurance company as your parents – The more insurance policies with one company the better. Insurance companies appreciate that and regularly approve discounts in such cases.

1. Quotes – Getting as many quotes as possible is one of the best ways to get lower premium on your car insurance.

The fastest and easiest way to do so is if you enter your zip above on this page and get plenty of free quotes from some of the best New Jersey car insurance companies.

Top Ten Questions to Ask an Auto Insurance Agent in New Jersey

Each year, every single driver in the state of New Jersey is obligated by law to renew or obtain a new insurance policy. At the same time every driver that values his money needs to have a talk with his New Jersey auto insurance agent and check if there is a way to lower the premiums or perhaps why they are higher that year before if that is the case. However, the fact that you will sit on the same table does not mean that the insurance agent will talk to you about every aspect that is important to you. The thing is that there are few things that most agents don`t prefer to talk about because of the risk they have from losing your business. Here follow ten questions that you need to ask your insurance agents during such talk that can help you lower your premium.

10. How your age affects your premium?

AutoInsuranceInNewJerseyThis is very significant because different life stages bring different rates and different types of discounts. For an example teenagers can lower their premium by having high average, while adult drivers if they have a good driver`s record and good credit rating. If you don`t ask you won`t know, therefore ask.

9. Do they calculate your insurance score in your premium?

Even though that many insurers don`t use the credit score when assessing your rating there are some that do. The insurance score is largely based on your bank credit score. The better you stand with your bank credit the less you need to worry about how it affects your premium. On the other hand, if your credit score is not so well balanced you need to talk about it with your car insurance agent in New Jersey about it. If it has a big effect on your premium you`ll probably need to consider going to new insurance company that doesn`t consider this factor as important as with them. With all that said, you need to know that no insurance company can deny or cancel your coverage just because of your bad credit score. The state of New Jersey has a law that prohibits them from doing so.

8. How much you can save on your premium if you limit your right to a lawsuit.

Many people limit their rights to lawsuit in order to cut down their premiums. Limited right to sue means that you cannot sue someone that caused an accident in which you were involved. However, there are some exceptions, which apply to this rule in terms right to a lawsuit. You can still someone in case you suffer displaced fracture, significant disfigurement, or scarring, permanent injury, loss of fetus, loss of body part and death. The insurance agent needs to tell you how much money you can save if you limit your lawsuit right. Based on that than you can make a decision whether you`ll follow through or no.

7. How much discount you`ll get if you take defensive driving lessons?

In order to improve the safety on the roads, the state of New Jersey has a law that says that every driver that passes the defensive driving course can ask for a discount from the insurance policyholder. At the same time, the insurance companies are obligated to give discount to anyone who can prove that has passed the course. The New Jersey motor vehicle commission is the governing body that is responsible for implementing this law.

6. What if you install an alarm system to your car?

Installing an alarm system in your car can lower your premium; almost every car insurance company will give you a discount only because of that. What you need to find out from your insurance agent how much you can save on your premium if you do so? That way you can easily calculate is it worth installing the alarm system or no. How much is that depends of the insurance company and their overall policy.

5. What if you name your spouse on your policy as well?

The thing is that vast majority of the insurance companies see marriage as a positive thing in terms of NJ car insurance. They see married couples as sign of stability and responsibility and as a result, they give good discounts. How much discount you can get once again depends from the insurance company. You need to talk to your insurance agent about it and he will surely tell you.

4.  What if you lower your annual mileage below 10.000 miles?

If you can do that you can expect your premium to be significantly reduced, how much your insurance agents will know the best. However, you need to be sure that you can do that because they might check at some point of time if you talk the truth and penalize you if you lie about it.

3. What if you bring all of your insurance policies with their company?

This is the question that will most likely bring a smile to your insurance agent`s face. Insurance companies appreciate when clients do that and by default give great discounts to their loyal clients. Place your home and car insurance under one roof and you can expect up to 15% discount.

2.  Does your car`s safety features affect your premium?

Vehicles with some or plenty of safety features can lower your premium, something that your insurance agent knows and can confirm if you ask him about. Not only that you need to ask him about, but you need to tell him to write them down so they can be calculated when assessing risk and your premium.

1. Are all of your data correct?

Each year check if your insurance policy is up-to-date. Talk to your insurance agent and check if all is well and correct because it can mean a lot to your premium. For an example if you oust to park your car on the street and now you park your car in a garage it will make a big difference for your premium. That is a small detail, which can mean a lot for your premium.

With all said so far, there is one question that you do not need to ask your insurance agent. That is where to get free quotes on your insurance policy. Insurance agents do not appreciate such questions because the answer might mean losing your business. If you are interested in companies offering cheap auto insurance in New Jersey, enter your zip on this top of this page.

Effective Ways to Get Great Deal of Discounts on Auto Insurance in New Jersey for All Ages

Car insurance in New Jersey depends from many factors, from which age is one of the most important ones. Even though that are some common nominators each different age affects insurance rates differently. For an example, younger drivers are charged more because of their lack of driving experience and the sense of responsibility of the drivers of that age. On the other hand, as the driver gets older his declining hearing and vision reflexes are regularly taken in account. However, knowing what to expect in different age and the available discounts makes it easy for you to keep your car insurance coverage under control.

Young Drivers

In average, this age group pays the higher premiums. The main reason for that is the lack of driving experience and the teenage behavior. In addition to that, the statistics confirm that this age group is responsible for more traffic accidents than any other age group.  However, there are ways to reduce the auto insurance premiums in NJ. First, there is the defensive driving course, which is at disposal for every other age group but needs to point out as very important in getting lower premium. Finish this course and you will be surely awarded a discount, considering that every insurer on the territory of New Jersey is obligated by law to give discount to drivers that passed this course. Another way to get lower premiums is if you study well, that is if you have at least B average. Students in the State of New Jersey can ask for a discount based on their average, and if they can bring written proof about it, the discount will be granted to them.

Adult Drivers

Homeowners that have home and auto insurance with the same company are given the biggest discounts. The next best thing is keeping a clean driving record. The adult drivers with the cleanest driving records are the ones that pay the lowest premiums. Maintain your driving record clean and you will be surprised how low your premium can go. As you go old, the premiums will go even lower. Adding your spouse name to the policy can further reduce your premium. Most, if not all of the insurance companies, see marriage as a sign of stability and responsibility and because of that, they give such discounts. Of course, that is supported with statistics about car accidents and married people.

Senior Drivers

For discounts for seniors, you need to talk to your agent because every insurance company has different types of discounts with different discount rates. Regardless if you had maintained a good driving record through the years, you will pay low premiums. In addition, if you do less than 10.000 miles per year you need to tell that to your insurance agent and he will take that in consideration when making your new insurance policy in New Jersey.

Young or old, regardless, there is one more effective way to decrease your auto insurance premium. That is to find as much as quotes as possible. The easiest way to do so is to enter your zip code above and receive some of the lowest quotes possible. There is no better way to come to cheap New Jersey car insurance rate.