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New Jersey Car Insurance

All New Jersey drivers know the Auto insurance landscape in Garden State has drastically changed. Prior to 2009, New Jersey drivers were limited to very few choices when it cam to obtaining liability insurance for you car, truck or SUV. Because of the population areas in the northern part of the state and the coastal risks along its eastern border, insurance companies have very difficult time trying to post a positive underwriting profit. Further, the statutory limitation created by the New Jersey legislature in those days made it even more difficult to correct a carriers rate filing. Most people notice that all auto and homeowners insurance carriers have a different rate. The rates a carrier charges is based on an actuaries finite estimation of how many claims an insurance company will need to pay for in relation to the amount of insurance premium the carrier will collect from it’s customers annual and monthly. These actuaries are highly educated individuals and are very good at what they do. Under normal circumstances, a set of auto insurance or homeowners rates files with the New Jersey Department of Insurance will perform as planned. As I mentioned before New Jersey has 3 issues it must overcome.

Until January 1st 2009, most companies had a difficult time making a profit, because of the changes the New Jersey Department of Banking and Insurance put in place after that date – things have changed for the better. Regardless whether you are purchasing a new auto insurance policy or you are about to renew an existing policy; understanding the coverage required to meet the minimum coverage requirements of the state and what coverages you need to protect your assets are two very different things. And to choose the right coverage for your individual situation, you’ll need to consider a number of issues regarding not only the car you drive, but also when you drive, where you drive, and what additional and optional coverages you may need. Do you rent or own your own home? Do you have assets to protect? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? If you have a bank loan on my car, do you need to carry Comprehensive and Collision? These are some of the questions you’ll need to discuss with a licensed insurance agent before making car insurance coverage choices.

In New Jersey:

  • All Insurance Agents, brokers and carriers must tell you about all the coverage options available when applying for a new auto insurance policy. In addition, as an auto insurance client, you have the right to ask the same information during the policy period.
  • You have the right to shop for auto insurance at any time during the policy period. If an agent states you can’t shop during the policy period, this in not the truth. Some Insurance agents may say this to hold on to you as an auto insurance customer. This is also true when your policy is up for renewal.
  • You have the right to change your coverages and policy limits at any time, even if you are not near your renewal date. If you select options that save you money, you have a right to a refund of your unused premium within 60 days.

New Jersey Counties

  • ATLANTIC, NJ
  • BERGEN, NJ
  • BURLINGTON, NJ
  • CAMDEN, NJ County
  • CAPE MAY, NJ
  • CUMBERLAND, NJ
  • ESSEX, NJ County
  • GLOUCESTER, NJ
  • HUDSON, NJ
  • HUNTERDON, NJ
  • MERCER, NJ
  • MIDDLESEX, NJ
  • MONMOUTH, NJ
  • MORRIS, NJ
  • OCEAN, NJ
  • PASSAIC, NJ
  • SALEM, NJ
  • SOMERSET, NJ
  • SUSSEX, NJ
  • UNION, NJ
  • WARREN, NJ

 

How to Get Accurate NJ Car Insurance Quotes

A few years ago, if you wanted to get NJ car insurance quotes, you’d have to wait for a few days. But technology has changed all that. Now, insurance companies can give you a quote in a matter of minutes. Meaning, you have more time to compare policies and get the best deal in a short span of time. When shopping for competitively priced auto insurance, the key is getting accurate NJ car insurance quotes. Follow our tips and get more accurate quotes. Getting Accurate NJ Car Insurance Quotes Review your driving record A recent moving violation or a speeding…

The Hazards of Choosing NJ Cheapest Car Insurance

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Tips to Save on NJ Auto Insurance

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Factors That Affect NJ Car Insurance Rates

Legally, car owners are required to carry a certain amount of minimum insurance. However, the sky-high NJ car insurance rates put a hole on your household budget and force you to rethink your insurance strategy. In this article, we’ll give you a rundown on some of the factors that most insurance companies use to set NJ car insurance rates. Knowing what affects your rate is beneficial as it will help you make an informed decision and keep the costs down. So What Affects NJ Car Insurance Rates? Age and gender In most cases, young men usually incur higher NJ car…

How to Get NJ Cheap Car Insurance for Young Drivers

In the eyes of auto insurance companies, young drivers are more likely to have an accident and make a claim; thus, resulting to a sky-high car insurance cost. For most parents, getting a NJ cheap car insurance for their teenage kids may feel like an impossible task. But don’t give up just yet. The good news is there’s a number of ways to keep the cost down. Check out these tips and get NJ cheap car insurance for young drivers. How to Get NJ Cheap Car Insurance for Young Drivers Pay per year, not per month If you can afford…

Advice on Getting Cheap Car Insurance in NJ

Cheap is usually the goal when shopping for car insurance.This article is going to tell you the… Best Ways to Get Cheap Car Insurance in NJ In order to obtain cheap NJ car insurance, you must first learn about any discounts that you may qualify for. One of the biggest discounts you can qualify for is an age-based discount. Drivers ages 25 to 49 are among those who are qualify for lower rates. Increasing your deductible is another simple way to keep cheap car insurance. By raising your deductible, your monthly premium rates are lowered. The downside to this is,…

Uninsured Drivers Beware!

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Texting While Driving And Your Auto Insurance

Post Date July 17, 2014 – More and more states and localities throughout the country have instituted laws prohibiting texting while driving.  These laws will make these actions a crime which come with severe penalties for these violations. It’s important that we all keep in mind the danger we put others in while using our smart phones for texting while driving. As for other traffic violations, any moving violation or infraction listed on your driving record can affect your auto insurance premium. In states where laws on distracted driving have already been passed, they already prohibited the use of handheld…

Factors That May Prevent You From Having NJ’s Cheapest Car Insurance Rates

Everyone knows about the obvious factors that will prevent you from obtaining NJ’s cheapest car insurance rates available. Speeding tickets, accidents, and being a male under 25 are all common factors that will raise insurance rates. But, did you know that turning 50 prevent you from having NJ’s cheapest car insurance rate to having one of the highest? This article covers this and a few other factors affecting your insurance premiums that you may not know about. NJ’s Cheapest Car Insurance Rates Some people mistakenly believe that getting older guarantees you the cheapest car insurance rates due to the obvious…

Effectively Compare NJ Auto Insurance With These Tips

Selecting NJ auto insurance doesn’t have to be hard or complicated. You simply need to understand what each level of coverage gets you, and why you need it. Then, the only thing left to do, is start shopping for the best rates. This article provides a few tips on what to consider when comparing NJ auto insurance rates, and how to choose the company with the best rate for you. Comparing NJ Auto Insurance Rates When comparing NJ auto insurance rates, you need to obtain at least three quotes from available agents. These quotes will give a bit of leverage…

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