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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

  • CAMDEN, NJ County
  • ESSEX, NJ County


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 ticket can make a big difference on your car insurance premiums.

When you submit an online car insurance application, keep in mind that the insurer will be checking your motor vehicle record before they provide you with NJ car insurance quotes. Considering how important this is, it might be best to order a copy of your driving record and review it before you submit an application.

Getting the Most Accurate NJ Car Insurance Quotes

In order to get accurate NJ car insurance quotes, it would be a good idea to gather all the information you need before you start shopping online. This includes:

  • Vehicle identification number
  • Driver’s license number
  • Any insurance claims or driving violation you’ve had in the past 5 years
  • Driving distance to work

Credit history
This is also an important factor that affects your auto insurance rate. While most sites do not ask for your exact score, you have to at least tell them whether it’s excellent, good, fair or poor.
If you don’t know your score, you can get a copy of your credit report online. Remember, your credit score is very important so it would be good idea to review your credit report from time to time.

Tips to Save on NJ Auto Insurance

Tips to Save on NJ Auto Insurance

Most states requires car owners to have some amount of auto insurance, and New Jersey is no exception. But if you are trying to cut down your NJ auto insurance expenses, it does not necessarily mean that you have to dismiss the idea of getting car insurance at a good price. We’ll show you how… Continue Reading

Uninsured Drivers Beware!

Post Dates July, 22 2014 – Although uninsured drivers in Pennsylvania and New Jersey live with the harshest financial penalties for driving a car without an auto insurance coverage; other states invoke other penalties much more severe.  Ohio uninsured drivers must also deal with the inconvenient punishment of having your car taken away  from you… Continue Reading

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… Continue Reading

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

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… Continue Reading