New Jersey Auto Insurance
All New Jersey drivers are required to carry auto insurance. However, did you know that you might be paying too much for your coverage? Before you purchase a policy, make sure you understand New Jersey laws, as well as understand ways to help lower you rates with insurance discount options in this state.
Auto Insurance Agents
Need to find an auto insurance agent in your area? Read more...
Comparing Companies
In New Jersey, there are dozens of great choices when it comes to auto insurance. Comparing rates isn’t easy, and often you may feel like you don’t understand what your insurers are explaining to you. How can you purchase the best insurance policy if you don’t understand it? Read more...
Insurance Discounts
Like in all states, there are certain ways you can get a New Jersey insurance discount. For most people, New Jersey auto insurance is expensive, no matter what, so every small insurance discount helps! Read more...
Insurance Requirements
In New Jersey, most insurers offer two types of policies – Basic and Standard. While most drivers opt for the Standard policy, the Basic policy can help low-income drivers stay legal and save money. A Basic policy includes the minimums needed to be a legal driver in New Jersey. Read more...
Levels of Auto Insurance
Although the Basic New Jersey auto insurance plan that includes the above three options is all that you need to be a legal New Jersey driver, there is also a Standard plan that is still usually affordable, but which covers you more fully in an accident. Read more...
Risks of Not Having Auto Insurance
You don’t have an option if you are a New Jersey driver; you must carry a New Jersey auto insurance policy that at least meets minimums set forth by the Basic state plan. If you don’t, it is easy to be caught – the government compares registrations and insurance policies on a regular basis to catch those not carrying insurance. Read more...
New Jersey Motorcycle Insurance
Keep in mind that if you’re a cyclist in New Jersey, you must carry New Jersey motorcycle insurance. Just like with auto insurance, you must have at least a Basic plan, with the state Standard plan being preferred at minimum. Read more...
Types of Coverage
The previously-listed Standard and Basic plans might sound a bit confusing to you. Although insurance coverage policies vary a bit from state to state, in New Jersey, here’s what you can expect with each part of your auto insurance policy. Read more...
What Affects Insurance Rates?
Since 2003, New Jersey has had a unique points system that helps insurance companies determine your rates. This is not the same as the points system on your driver’s license, although it is somewhat related, since you’ll get insurance points and license points for poor driving habits. You have a right to purchase auto insurance in New Jersey no matter what, but if you have more than seven points, you might have to apply for special insurance based on your poor record. Read more...
