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

How New Jersey Car Insurance is Helpful during Teen Driving Accidents

If you compare the statistical data of New Jersey, you would find out there are 968,686 male teenagers and 914,438 female teenagers in the state. With such high statistics, it is inevitable to predict that there would be no automobile accidents incurring. The reality is contrary to this belief. A survey conducted by AAA Foundation for Traffic safety it was concluded that the probability of teenagers being a part of an automobile accident are 50 percent more. This highlights the importance of New Jersey car insurance for teens as a necessity. The same research shows that the probability is more in the first two weeks of driving as compared to two years. This might be attributed to a number of factors.

It is the responsibility of the parents to follow the regulation of New Jersey car insurance. Aside from this, there are other responsibilities that parents must adhere to. A common pattern of mistakes has been observed among the automobile accidents involving teenagers. It is the responsibility of the parents to ensure that their children do not make the same mistakes, as many other teenagers in the state. These might seem too general, which will give parents the sense of security. However, the point to ponder is that if these are general, then why they leaded to majority of accidents.

CarInsuranceInNewJerseyIt has been observed that the majority of the accidents occur when there is more than one person in the vehicle. That means that parents need to implement a no passenger policy in their children during the first two to three months of driving. This might result in an argument but at least your teenage children and other third parties will remain safe. This might be attributed to peer pressure or simple driving under influence. Most teenagers seem impressed by fast drivers and those who perform stunts with their cars especially boys. This causes a possible threat to the driver and other kids; so set specific rule and limits for driving. It is also wise to restrict nighttime driving. The probability of an accident is twice as compared to during the time. This might be because they are not used to driving without light. A good way of making them used to it is by making them drive under your own supervision. In the current age, teenagers and cell phones are nearly inseparable. However, the distraction these causes in addition to other factors increase the chances of casualties. For this reason, parents should reprimand all such acts, as well as others that might consider dangerous while driving. Car insurance for teens can be beneficial, but it does not mean you will tolerate your son or daughter to drive dangerously just because the car is insured.

We have observed that this month is the most competitive among insurance companies. This means that you can get amazing deals for yourself that cover your teenagers or a separate policy for your teenager. In addition, all this you can achieve in just 3 minutes. No extensive research or wait required. Just type your ZIP code in the above box, and within 3 minutes you would get all the information you might need to make a sensible judgment based on quotes from different auto insurance companies in New Jersey. So, why waste time anymore? Avail the opportunity for zero cost.

Your Comprehensive Guide to Procedures of New Jersey Auto Insurance Claim

You have been paying your insurance premium for so many years, and finally you get in a roadside accident. Then this is the time to avail your auto insurance. The first thing that you need to file  a claim before the actual, is to ask the other driver about his insurance policies and details like his name, insures, car specifications and anything else that you can think of at the time. After this, the NJ auto insurance permits you to file a claim within two years of the accident.

The next thing to initiate claim is to get in contact with the insurance company of the other party. You must have asked the other person involved in the accident.

If you only got the name and forgot to ask about the further details, you can do an easy search on the internet with respect to the company. You would also need to file a police report in order to make the car insurance claim official. The next thing that you need to do is to contact the insurance company of the other person, and tell them the driver’s name, the number of his policy and all the information that you got regarding is a vehicle. Lack of a single specification might be compensated if the policyholder is recognized by the rest of the information. Next, you need to tell them your specifications like your name, contact details and the how and where the accident occurred.

After this, a claim adjuster from the insurance company would get in contact with you. He would ask you different questions relating to the accident, as well as the day and time specifications. You would also have to tell them about the damage incurred by your car and you, if any. They would also inquire about any people being present at the time of the accident who might be eligible for playing the role of a witness in the proceedings.

While you are doing this, the other driver will be using your details in for the same purpose. He would contact your auto insurance provider in NJ. Both the companies would conduct an investigation independently to verify the claims made.  They can also utilize third party resources like police reports to completely evaluate the scenario. On this, they would highlight the party at fault and if the policy would reprimand the damages incurred. If the other party is found guilty than his company will cover the repair cost of your vehicle, as well as any damage that might have been caused by you. If you have collision coverage, then any uninsured damage will be covered by your insurance company.

On the other hand, if you are found guilty, then your liability coverage policy will cover the damage done to the other person’s car or body. Whether you get insurance coverage on damage done to your car depends on the type of policy. Therefore, it is necessary that you are aware of the best policy and the rates. A simple way to do that is by typing in your ZIP code in the box given above to get all the information about NJ auto insurance.

Purchasing Car Insurance in NJ Carefully

Obtaining insurance programs is linked with the sources available in the society and used generally by all companies in this business. There are a number of companies that are in performance in this business and offering various packages and programs. The presentation of these programs is based on the financial status of customer. Some programs are designed with equal perception. Due to equal perception and preparation, these programs are used by all kinds of people without difference of financial conditions and regions. The suitable example of these programs is stated with the car insurance in NJ.

This program is prepared with general perception and also liked by all residents of this state. There are some qualities of this program which are making this program unique and sole in the market. The first quality of this program is stated that this program is available for all people. This availability is possible without difference of age and gender. This availability is possible for all people without difference of any particular profession. This program of insurance is accessible for all those people which are known as old age, in the same way this program is usable and useful for young generation of NJ. This program is also obtainable with the use of modern communication sources that are making the availability of this program easy and effortless for customers. This car insurance in NJ can also be used by those people who are known as rich people in society due to high economical sources. The benefits of this program are also obtainable for those people which have limited financial sources.

Purchasing from insurance provider companies is performed by customer through his zip code. This code is based on the name of state and very useful in this business for categorization and classification of programs and customers. Customers are also easy with these facilities and they can purchase insurance for the safety and protection of their vehicles. The knowledge of all those terms that are used in purchasing of insurance procedure is also crucial and vital for all customers.

When you have loaned cash to purchase your automobile, the financial institution’s insurance requirements may include that you have to additionally carry extensive and/or collision protections to safeguard their own financial fascination with your automobile. In situation where your vehicle is actually older, the actual rates with regard to collision and comprehensive protection could cost greater than the vehicle will probably be worth.  Generally, you will likely double your own insurance high quality should you include these protections for your coverage.

Through this knowledge they can take a suitable action at the right time. This suitability is very crucial but beneficial. Through this, customer can choose an appropriate company for purchasing his insurance. This decision must be done carefully and with support of lucid and knowledgeable individuals.

Frequently Asked Questions Regarding Cheap Auto Insurance Rates and Laws

Since auto insurance in the state of New Jersey is compulsory, every person will be looking for the cheapest policy quotes within the area. However, it is not very easy to come across the auto insurance company which provides policies at an affordable price and very efficient services at the same time. Therefore, following certain tips is highly emphasized. This passage answers some very important questions that are frequently asked by car owners who have prospects of coming across a provider of cheap auto insurance within New Jersey.  If you read this information very carefully, you will find it easy to come across a very cheap auto insurance policy with efficient services.

How can I search for the cheapest New Jersey auto insurance?

In the past people used to search for auto insurance providers within the state of New Jersey by collecting different quotes by going to auto insurance companies one by one. Instead of having to burn your gas travelling, all you have to do is to use the online tool for comparing quotes. Simply enter your zip code into the search box and you will see the top auto insurance providers in New Jersey.

What is the meaning of DUI and DWI?

When the two abbreviations DUI and DWI are used, most people get confused. It is not surmising to learn that a good number of questions arise about these two abbreviations. Both DUI and DWI refer to driving under the influence of or driving while being influenced by a toxic substance such as beer or heroin. The main reason why New Jersey authorities are very particular about DUI is for its marked impact on the number of car accidents and eventual deaths today. The state has introduced several stiff penalties and fines aimed at punishing the offender. Some punishments are as worse as suspending the offender’s license indefinitely.

In what way are car insurance rates calculated and what are the main factors which affect them?

Before the rates can be calculated, the company will take into account the risks that are associated with giving you their auto insurance policy. This will usually involve an assessment of the number of accidents that you had in the past. The auto insurance policy provider might also consider the number of previous insurance claims that you made. Based on these two factors, the company will be able to calculate your rates in estimation. High risk drivers are usually made to pay more for their New Jersey auto insurance. In addition to the factors above, the company will also take into account your location. If you live in a densely populated area, you will obviously pay more for your auto insurance policy. On the other hand, urban residents will pay less for their auto insurance policy if the same reasoning is used.

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.

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.

Questions To Ask before Purchasing New Jersey auto insurance

Most of the New Jersey auto insurance information is easily available on the internet but most clients would want a one on one discussion with an insurance agent for correct facts before they decide on a policy. As a client, there are important questions to keep in mind before meeting up with your preferred agent.

One of the questions to ask yourself before getting a New Jersey auto insurance cover is why you would need insurance. For average clients this question is very important. An insurer is able to lay down facts on why cover is important. An agent will advise on the best policies to get for common occurrences to insure you against and the benefits of doing so in the long run.

Another question to have in mind is how much will the premium cost. Different insurance companies offer different packages and offer different levels of premiums. Is the insurer able to accommodate the payments plans you have in mind? Some are willing to accept monthly payments. However, this may cost the client more on premiums. The type of car you have also determines the amount of premium you pay. If it is an exotic and expensive car, the rates will definitely have to go up.

For what purpose are you buying the car for? If it is a family car, more questions should follow. How many family members do you have? How many will be using the car and need to be covered?

In case a friend or a relative had borrowed my car and got in an accident will I still be covered? Yes, as long as they had permission or reasonable belief to use your car then they are covered under your policy.

What type of events or actions can cause the insurance premiums to rise? This will help you determine on what mishaps to avoid in future. Some potential causes are outside the control of the client. But it’s advisable to gather all facts. Most New Jersey car insurance companies give instances on some of the situations you can try and avoid.

What minimum coverage do you need? Minimum coverage varies in different states. It is advisable to consult your local department of motor vehicles to get more info on the same.

What are the working hours of the insurance company and how efficient are they in case of an emergency? You will feel more at ease to know that a company works round the clock and in case of emergency, it can easily be sorted out. Most companies have 24 hour customer care services. That means you can call any moment and report the incident. Is the company professional on how they handle their client? This tells much on how effective they are in handling their matters.

It is easy to get confused with so much information on the internet on auto insurance in New Jersey. Other than agents you can also get more on the same by talking to friends, relatives and from leaflets from different companies before you come to a conclusion. Enter your zip above for more information.

FAQs As Guide for Purchasing New Jersey Auto Insurance

These questions help you to make important decisions and where to get the best. In auto insurance, there would always be frequently asked questions and this is what we should be first looking at since there are rules and regulations that may be difficult for an average client to understand.

AutoInsuranceInNewJerseyOne of the most common questions asked is how a much a cover will cost and how much is recommended by their insurer or agent. Usually this question is answered with a series of questions to the client from the insurer to determine what exactly the client needs. These are questions consumers are encouraged to ask themselves before making a decision.

One of the questions to ask yourself is how much are you willing to part with for auto insurance in New Jersey. This depends on your budget, the type of car acquired and how much is the premium going to cost you with the mode of payment most companies accepts. Most people prefer monthly statements rather than the annual fees. However, this might cost you more as the insurer may charge minor fees for the service. Definitely, it sets the pace on the type of coverage to be recommended. In case you acquired your car on loan, this where you decide if you will have full coverage, that is to have comprehensive and collision coverage. Another important question to ask yourself is how many people live in your household and whether the cover you will get is enough for all the driving members.

What is the sole purpose of your car, will it be a family car or do you drive for long hours due to the nature of your job?  Different states have different requirements for minimum coverage, it is important to find out of the requirements of New Jersey auto insurance beforehand.

Another important query is how your premium can be affected and if it would affect your claim rights. This helps you know when to rightfully demand for a cover or not.

Another frequently asked question is which company to consider for the services. Consumers seek answers on the best insurance company, the best rates they can get out of it and the level of proficiency in a company. Once you settle on the company of your choice, here are the questions to ask:

  1. If I needed services even at midnight, are they available?
  2. Is the company a 9-to-5 model?
  3. How long does a claim take to be processed?
  4. Are the level and types of services offered by different companies are different.

Better ask about the other benefits come with the purchase of a cover as well. For example, does the New Jersey auto insurance company offer free towing or emergency road side assistance? By comparing different companies that offer these services you will be able to also save on insurance cost by getting the cheapest offer.

Advantages of Direct Buying of Auto Insurance in New Jersey

Nowadays, accessing Auto Insurance in New Jersey has become very simple especially with the advent of online business. There are numerous companies that have websites that make it easy for potential clients to access auto insurance quotes to know what they can purchase from the insurer.

NewJerseyAutoInsurancePurchasing auto insurance directly means that you will not buy your cover from an insurance agent or broker but directly from the auto insurance company. Most New Jersey auto insurance companies usually sell their policies through agents and brokers to maximize their client base and sales. There are plenty of companies that sell auto insurance directly with bigger chances of passing them within your area.

Buying Auto Insurance in New Jersey directly has some few advantages over buying indirectly via agents and brokers. One advantage is that you can drop by the offices during your daily activities to inquire on your auto insurance status and even update or purchase a new policy. You will also get direct advice from the customer service personnel that can give you in depth details on their policies, benefits, terms and conditions of their services. You can also use their website to file claims and or update your policies at the comfort of your own home or office. With this, you have more options than having an individual who only deals with a specific auto insurance agent. You will have direct snail mail, email and telephone access with your insurer.

Another major advantage is that you will have round the clock assistance when dealing directly with your auto insurer. This is something not common with auto insurance agents. Most auto insurance agents in New Jersey usually maintain conventional working hours which can be an issue when you want to inquire or need assistance on your auto insurance status during non working hours. Dealing with your auto insurer directly ensures that there are always personnel on call to deal with all your auto insurance needs at all times.

Dealing directly with the insurance company ensures that there are no delays when it comes to your paperwork unlike dealing with an agent or broker. This is very essential especially to processing claims or refunds for services like towing and the like. Dealing with auto Insurance in New Jersey directly ensures that you get the most competitive rates and discounts available. This is because you are dealing with them directly and not with an agent who wants to maximize on his / her commission from selling you a certain policy. You can as well view a full list of all the available offers, discounts and benefits offered by the insurer directly from the company’s website instead of getting second hand information from the auto insurer’s agents or brokers. To communicate with your auto insurance provider directly, enter your Zip at the space 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.