New Jersey Car Insurance Rates - Auto Insurance Quotes in NJ
Did you know drivers in New Jersey pay the highest car insurance premiums in the country? That’s insane, considering NJ is also one of the smallest states in the country. Are drivers from here, so bad that there insurance companies have to jack up their prices? No way.
The simple fact is most people in New Jersey do not shop around and usually go with the first insurance company they find. By doing this they get ripped off for thousands and thousands of dollars every year.
Use our site to get the FOUR cheapest car insurance quotes in New Jersey and finally find out if your getting ripped off.
Compare Car Insurance Quotes in New Jersey
Ever wondered if you are getting the best deal on car insurance in New Jersey? With so many insurance companies out there it’s time consuming to do an insurance quote with all of them. Our site was created to alleviate this hassle by providing a one stop insurance comparison site. With our help, finding the cheapest car insurance quote in New Jersey is now problem free as our quoting tool gives you free access to car insurance rates from over a dozen of the leading insurance companies in New Jersey. Not only that, but if you like a quote you see, you have the option to purchase it online or by telephone.
We have gone to the end’s of the earth to develop one of the best insurance quoting systems on the web and invite you to try it out for yourself. Go ahead find out if your paying too much for car insurance in New Jersey.
New Jersey Car Insurance Requirements
In New Jersey there are two types of insurance offered, they are Standard Auto Insurance and Basic Auto Insurance. Standard Auto Insurance is the most popular among drivers as it provides the following coverage;
Bodily Injury Liability — Minimum required by law is $15,000 per person and $30,000 per accident.
Property Damage Liability — Minimum required by law is $5,000 per accident.
Personal Injury Protection (PIP) — Minimum required by law is $15,000 per person or accident.
Uninsured Motorist Coverage — Matches your liability limit.
Underinsured Motorist Coverage — Matches your liability limit.
In addition, you can purchase collision and comprehensive coverage as well to supplement your liability insurance.
Want to learn more about the different types of coverages read our article, Understanding Car Insurance Coverages.
The second type of insurance, Basic Auto Insurance, is the affordable choice designed to provide coverage for all drivers in New Jersey. The Basic Auto insurance package, provides just that the very minimum coverage required by law, which includes;
Property Damage Liability is set at $5,000 per accident.
Personal Injury Protection (PIP) is set at $15,000 per person, per accident.
New Jersey Car Insurance Rights
The New Jersey Department of Banking and Insurance has set up strict legislature to protect auto insurance consumers in New Jersey. The following is a basic guideline of what auto insurance consumers can expect with regards to shopping for auto insurance in New Jersey.
Upon a request for an insurance quote, insurance brokers are required to provide you quotes within five days from the date of your request.
If an insurance company denies your insurance coverage, you must be notified in writing.
You have the right to cancel your insurance policy and/or change coverage limits at any time during the policy term.
Contact the Department of Banking and Insurance immediately if you feel your rights have been violated.
For more information on your rights as an auto insurance consumer in New Jersey visit the New Jersey Department of Banking & Insurance, Automobile Section here.
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admin on March 29th 2008 in Car Insurance By State
It's hard to trust other sites when they are owned by an insurance company, why would they give me a higher price than their competition? You guys provided me with an unbiased quote and I appreciate that. I also received a really good price too. Thank you.
