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Category Archives: New Jersey Insurance

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

 

Comparing New Jersey Auto Insurance Companies Online

Comparing New Jersey Auto Insurance Companies Online

There are a number of Auto Insurance Companies in New Jersey, all offering compeditive offers. Consequently, choosing one has become an tiresome task because you will suffer the consequences dearly when you’ve chosen the wrong company. One of the best way to shop for Car Insurance in New Jersey is to use service that connect billions of users everyday—the internet. Because… Continue Reading

Benefits of the New Jersey Multi-Car Auto-Insurance Policy Discount

Benefits of the New Jersey Multi-Car Auto-Insurance Policy Discount

There are several benefits for New Jersey families whom enjoy a multi-car discount. This type of policy discount is suitable for a group of people who live in the same household or may work in the same building. There are certain special discounts associated with multi car auto insurance discounts which greatly add to its appeal. The policy basically covers a number (group) of people… Continue Reading

How’s To Keep Your Auto Insurance Reasonably Priced In PA & NJ

Gathering auto insurance quotes in Pennsylvania and New Jersey can be  a daunting task. Some companies present quotes that are unusually expensive. However, there are a number of auto insurance companies who give reasonable and cheap  auto insurance quotes that are suitable to each client. When you first look at quotes, you might be surprised at the amount and… Continue Reading

Cutting Auto-Insurance Costs – A Guide for Student Drivers

Cutting Auto-Insurance Costs – A Guide for Student Drivers

The government is becoming more and more forbidding when it comes to the limitations of learner’s permits and youthful drivers licenses. Student Drivers do not like it but the government instituted them for the sake of the safety of all travelers on both New Jersey and Pennsylvania. Both states controls it’s own jurisdictions regarding car insurance. In some states, young and… Continue Reading

How to Get Auto Insurance after Moving to another State

How to Get Auto Insurance after Moving to another State

 When migrating to another state, there are many legal requirements that have to be met before you are legally allowed to drive on the roads of that state. Some of these requirements include Emission Inspection Reports, Automobile Registration, and Drivers License transfer. If you’ve done it before in another state, you may be disappointed this time, since… Continue Reading

Making the Best Use of Car Insurance Quotes

Making comparisons of Car insurance, whether for first timers or for those who would just like to shop for better alternatives, is something every car owner should do in order to find the best value for the lowest price. The best method nowadays to get the best quotes is through the utilization of the world’s greatest database of… Continue Reading

Packaging your Homeowners, Health, Life and Car Insurance

Packaging your Homeowners, Health, Life and Car Insurance

Homeowners Insurance, Health Insurance, Life Insurance and Car Insurance have become a fundamental need in today’s world where nothing is permanent anymore. In some states, it is even mandatory to be insured with these for the safety and well-being of owners and others. Home insurance is intended to aid the rebuilding/repair of your house when it is damaged by fire/flood or vandalism. It… Continue Reading

InsureDirect Offers It’s Car Insurance Customers “Snap Shot”

InsureDirect Offers It’s Car Insurance Customers “Snap Shot”

Progressive Auto Insurance is available at InsureDirect.com.  Both myself and my InsureDirect.com Car Insurance Agents have represented the Mayfield Heights, Ohio Insurance carrier since 1993.  Their Pennsylvania based management team has always been very supportive of our PA Independent Agent channel and we consider Progressive Insurance Company one of the most important Property & Casualty carriers in our auto insurance carrier inventory. Starting in 1993, we started… Continue Reading

Credit Scores-Cheap Car Insurance Quotes Pt 2

Credit Scores-Cheap Car Insurance Quotes Pt 2

  Hello! I hope you had a nice weekend. Yesterday’s Post discussed how your personal credit rating or score is being used by many auto insurance companies to raise or lower your auto insurance rates. If you have good credit, you can expect to receive a better auto insurance rate.  On the other hand, if your credit score is… Continue Reading

Credit Scores – Cheap Car Insurance Quotes Pt 1

Credit Scores – Cheap Car Insurance Quotes Pt 1

  A number of U.S. credit monitoring websites have revealed that your personal credit score might be related to the auto insurance premiums demanded by car insurance companies in the state of New Jersey. According to the survey,  New Jersey residents with higher credit scores could save huge sums of money for direct car insurance compared to those with… Continue Reading