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NJ Car Insurance

Auto Insurance in NJ.



New Jersey Car Insurance consumer help available online. Compare prices, compare policy features and buy online. Chose from NJ standard policies or New Jersey state mandated "Basic Policy".

NJ Car Insurance Plans Available


NJCarInsurance.Org has assembled the top Internet Quoting services that will have multiple NJ Insurance Agents competing for your business. Submit your information in confidence while being protected by privacy laws and let them get back to you with their best offer and then you choose which is best for you and or your family.


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NJ Car Insurance Consumer Quotes & Help

New Jersey has the distinction of having the highest automobile insurance rates in the entire USA. To get your best rate for New Jersey Car or Automobile Insurance experts recommend that you obtain several quotes to compare as rates and consumer insurance scoring factors will vary from company to company.

We have all seen or heard the commercials on the television as well as online and on the radio encouraging you to switch from one NJ Insurance Company to another. This is ok if you understand what you are doing.  Many customers report switching several times only to have their rates increased within months after jumping into the switching frenzy.

You may want to consider the following information below before you get your three years of NJ Insurance Company Declarations Pages, copies of everyone in the households NJ drivers licenses, something to prove where you live like a bank statement or utility bill, household members Social Security numbers and copies of all vehicles registration card.

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NJ Car Insurance Consumer Tips

If you have several policies with one NJ Insurance Company, i.e.; NJ Auto Insurance and NJ Homeowners and or an Umbrella Policy you will be shooting yourself in the foot to spite your face just to switch your Auto Insurance to one of the companies that only have one product available because you will loose your companion policy discount and possibly your preferred tier rating classification if applicable. Be careful and do not let your policy lapse. If you lapse a NJ Car Insurance Policy you will feel the wrath of the insurance companies as a whole for at least the next three years by having your rate increased up to thirty percent until you have three years continuous coverage.

NJ Auto Insurance P.I.P Savings

One last item to consider is to name your Group Health Insurance Plan as your P.I.P. (Personal Injury Protection, Health or Medical related expenses from any accident or injury on or near your automobile) as the Primary coverage if available.

This will save you a lot of money and afford you and your family far better coverage in the case of an accident with injuries. Most insurance agents wont tell you this because it reduces the commissions that are paid on your car insurance premium which is about 15 percent. So if you pay $3,000.00 per year your agent will receive $450.00 for writing your one policy, so expect and demand a little attention in the 15 minutes or so it takes to bind you policy.



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NJ Auto Insurance Youthful Operator Example

Driver: 18-year-old, youthful male, unmarried

Principal Operator
Driver Training, no good student discount
No accidents within the past 3 years
No motor vehicle violations within the past 3 years
Pleasure use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability only policy:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or combined single limit of $35,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or Combined Single Limit of $35,000)
2003 Buick Century Custom – 4 door sedan
ISO rating symbol 8

NJ Car Insurance Experienced Operator Example

Driver: Married couple, both between the ages of 65 and 69

No accidents within the past 3 years
No motor vehicle violations within the past 3 years
Pleasure use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
2003 Buick Century Custom – 4 door sedan
ISO rating symbol 8
$750 deductibles for Comprehensive and Collision

End of NJ Auto Insurance Examples