New Jersey

You might wonder if it is worth to get NJ car insurance. Anyway, all vehicles registered in New Jersey must have auto insurance, which conforms to minimum standards put in place by the state. However, New Jersey requirements differ slightly from most other states. Let’s check out the peculiarities of auto insurance in the Garden State.

Nj Car Insurance – Direct Auto Insurance in NJ

New Jersey gives its drivers two (2) options in terms of minimum policies they would like to meet. As expected, one set of minimums is higher, and one set is lower. However, the lower minimum choice is only available to those drivers who are single and who do not have a lot of assets that they care to protect in the event of an accident. In general, though, most people are allowed to choose which policy minimums they wish to meet.

The Majority of New Jersey Drivers Opt to Meet NJ Car Insurance Requirements

New Jersey drivers will have to possess a cheap  NJ car insurance policy with at least $15,000 in bodily injury coverage for accidents in which one person is injured. Additionally, $ 30,000 in bodily injury coverage is required for accidents involving more than one person injured. A minimum of $5,000 will cover general property damage coverage. New Jersey drivers need to obtain at least $15,000 in personal injury protection and $15,000/$30,000 in uninsured/underinsured motorist coverage in addition to general liability ins.

Some drivers, however, will opt for what is known as the “basic policy”. This very low coverage policy is not recommended because of the limited amount of protection it provides. It requires only $5,000 in general property damage coverage and at least $15,000 in personal injury protection.

Whenever it is financially possible, all drivers are encouraged to opt for coverage in amounts above even the standard policy.

Then, they need to consider some form of comprehensive and collision coverage. The basic policy option for New Jersey drivers provides absolutely no real protection in the event of an accident and is useless. While the standard policy is somewhat better, it still will not truly protect a driver if an accident occurs.

What is the Way to Get Affordable Auto Insurance in NJ?

You might wonder how much is car insurance in NJ per month. New Jersey drivers pay an average of approximately $1,081 annually or $90 a month for car ins. While lower than the national average, you can still reduce this amount by choosing the right NJ car insurance. Of course, finding adequate NJ car insurance requires a bit of work on the driver’s part. As a driver, you should do your best to research all providers in your area. Compare NJ car insurance from many different providers to find the best possible deal to meet your insurance needs.

Avoid most Stolen and Vandalized Vehicles

One thing that can cause your automobile insurance rate to go up significantly is owning a sports car, a luxury vehicle, or any other vehicle with a high value. New Jersey has a severe problem with stolen vehicles. Therefore, these kinds of cars can affect you no matter which policy you opt for. The concern is so serious that the state’s insurance bureau recently came out with a list of the state’s top ten most stolen vehicles. If you own one of these vehicles, you can expect your car insurance rates to be much more than those of the average driver. These vehicles include:

• Honda Civic
• Honda Accord
• Jeep Cherokee or Grand Cherokee
• Dodge Caravan
• Toyota Camry
• Nissan Maxima
• Plymouth Voyager
• Acura Integra
• Dodge Intrepid
• Nissan Altima.

If you own one of these vehicles or any other vehicle with a high value or prone to be stolen or vandalized, you may experience higher auto insurance rates.

But there are still things you can do to save money on the cost of  NJ car insurance. Look around and learn about discounts. Many car insurance companies offer several auto insurance discounts to offset minor high-risk factors such as vehicles with a significant risk of car theft. One of the biggest discounts that can help you save money as a luxury or expensive car owner is to make sure your car has factory-installed anti-theft features. Typically, the more anti-theft features you have, the higher your car insurance discount.

What is the best NJ Car Insurance Company?

Allstate, Alliance, Progressive, State Farm, and many other national and regional auto insurance companies make up the list of auto insurance companies in NJ. No matter your risk profile, you certainly won’t have a hard time finding NJ car insurance. Instead, finding the company that offers the best car insurance in NJ for your risk profile will take a little more work. Much like shopping for anything, you need to spend time on:

• Learning about the product you are buying (auto insurance)
• Comparing providers (auto insurance companies)

Most New Jersey drivers opt to start an auto insurance comparison online. It certainly relieves the pressure of speaking with a local agent and makes it possible to compare auto insurance quotes from the comfort of your home. Start comparing New Jersey quotes right now!