Cheap Car Insurance in NJ

Finding Cheap Car Insurance in New Jersey

Any individual who drives a car on a public roadway in New Jersey has to have auto insurance unless they wish to run the risk of serious and expensive penalties. As opposed to driving uninsured and risk the suspension in the license, your car's registration, plus sufficient charges to spend the national debt of a small country, most likely it might be superior to generally locate some way of acquiring cheap car insurance in NJ.

Everyone who drives a vehicle on a public roadway in NJ-New Jersey must purchase "at least" three types of auto insurance.

All New Jersey drivers need to have:


Liability Insurance: This insurance covers damage to other people's property, including vehicles, if you are in any sort of accident. In New Jersey, Liability insurance isn't going to cover medical expenses.


Accidental injury Protection (PIP) Insurance: This is the insurance that insures medical claims by you or by anyone else in an accident that involves your car or truck. In New Jersey this is sometimes called No-Fault insurance since this portion of your insurance pays for medical expenses irrespective of whose fault the accident is eventually deemed to become.


Uninsured Motorist (UM) Insurance plan: This insurance pays for both medical claims along with property damage if you are going to complete an accident with someone who does not have any insurance or who does not have sufficient insurance to cover the claims caused by accident.

New Jersey Car Insurance Laws

The basic minimum coverage within New Jersey is what is recognized as 15/30/5. What this means is that you must have Personal Injury Protection Insurance (PIP) that hides to $15, 000 of medical protection per individual with a cap of $30, 000 regarding medical coverage per accident. You happen to be also required to carry $5, 000 of Liability Insurance to cover any property (including vehicles) which you may damage in accident.

Under New Jersey state law you're not required to have any other coverage to be able to drive a vehicle. However, if your car is currently being financed then your lender might easily require that you also purchase comprehensive coverage along with collision coverage and that you buy considerably more than the state-required lowest for Liability, PIP and Uninsured Vehicle driver.

Even if you own your car or truck outright and are not needed to purchase anything more than the particular bare state minimum for insurance you might easily choose to carry higher coverage. This is especially true proper who owns a home, carries a savings account, or for those who have any other assets that they wish to protect. Just one accident-spawned lawsuit could see your home taken from you, your account wiped out, and any and other assets that you own turned to the prevailing party. In different words, if you don't have sufficient car insurance coverage in NJ you could lose everything within the accident

New Jersey Medical Payments Insurance

Millions of Americans are injured in motor vehicle accidents every year. These injuries can range from mild to severe, and they often require professional medical attention. In the aftermath of a serious accident, you should not have to cope with the additional stress of paying steep medical bills. Fortunately, you can help protect your health and finances by carrying medical payments insurance, also known as personal injury protection (PIP).

How Medical Payments Insurance Works

New Jersey is a no-fault state. This means that when you are involved in a car accident, your insurance provider will not adjust the benefits you receive based on your responsibility for the accident. In no-fault states, medical payments insurance is often called personal injury protection.

PIP insurance typically covers:

  • The policyholder
  • Any household members the policyholder names on the policy
  • Passengers in the policyholder's vehicle at the time of the accident

This coverage will help you pay for any medical treatments you need after a motor vehicle accident. Depending on the terms of your policy, it may also cover lost wages due to work you missed while recovering and funeral expenses if a fatal accident.

New Jersey Collision Coverage

Unlike liability insurance, collision coverage is not legally required in New Jersey. It is still recommended for most drivers. If you are involved in a collision of any kind – one of the most common forms of automobile accident – this coverage will help you pay for repairs to your vehicle.

What Does Collision Insurance Cover?

Collision coverage pays for a vehicle repairs following virtually any kind of collision, including accidents involving another motor vehicle, a stationary object, or even a large animal. Of course, before your coverage begins, you will need to meet your policy's deductible. For example, if your deductible is $400, and your vehicle needs $600 worth of repairs, you will pay $400 and your insurance provider will pay the remaining $200.

Who Needs Collision Insurance?

If your car is leased or financed, you're leasing company or lender may require you to carry this insurance. In addition, this coverage is strongly recommended for anyone whose vehicle would be costly to repair, including new vehicles and relatively expensive models. If your vehicle is comparatively cheap to repair, you may or may not want to invest in this coverage.

New Jersey Comprehensive Coverage

Comprehensive auto insurance coverage is often purchased along with collision insurance. As the names suggest, collision insurance covers the cost of vehicle repairs following a collision with another object, while comprehensive insurance covers nearly everything else. If you are concerned about damage to your vehicle caused by unpredictable factors like flooding or theft, you may want to invest in comprehensive coverage.

What Does Comprehensive Insurance Cover?

Comprehensive insurance will help you pay for repairs if:

  • Auto theft
  • Vandalism
  • Fire
  • Flooding or storms
  • Animal activity

Events like these can cause extensive damage to your car, motorcycle, or other vehicle. If you have comprehensive coverage, you can receive the valuable financial assistance you need to get your car back on the road.

Who Needs Comprehensive Coverage?

You may be required to purchase this insurance if your vehicle is leased or financed. In addition, this insurance is recommended for people with vehicles that would be expensive to repair, such as new models of sports cars. Even if your car is relatively inexpensive, you may simply want the peace of mind that being fully covered can offer.

New Jersey SR-22 Insurance

Despite what the name might suggest, SR-22 insurance is not a specific type of auto insurance coverage. Rather, this term refers to any insurance an individual may carry after an SR-22 filing. An SR-22 is a document that an insurance company files with the New Jersey Motor Vehicle Commission to confirm that a person is carrying at least the minimum amount of required insurance.

You may need to request an SR-22 filing if you are convicted of certain offenses. Unfortunately, SR-22 filings can increase your insurance premiums dramatically.

How SR-22 Insurance Works

You will probably need to request an SR-22 filing if your driver's license is suspended. The more common reasons for driver's license suspension include:

  • Drunk driving conviction
  • A certain number of traffic tickets within a one-year period
  • Causing a car accident while driving without insurance
  • Failure to pay traffic tickets or fines

New Jersey Rental Car Reimbursement

After a motor vehicle accident, your vehicle may need extensive repairs before it is safe to drive again. Unfortunately, this can leave you without transportation of your for days or even weeks. This can be a serious hindrance as you try to complete work, attend school, or run important errands.

If you rely on your motor vehicle to get around, you may want to invest in rental car reimbursement insurance. This will cover some or all of the cost of renting a vehicle until yours is ready for the road.

How Rental Car Reimbursement Works

Rental car reimbursement insurance usually covers a certain amount of costs per day that you rent a vehicle. This amount will vary depending on the policy you choose, the premiums you pay, and your policy's deductible. If the vehicle you rent costs more than your insurance covers, you will need to pay the difference yourself.

Most insurance providers handle this reimbursement in one of two ways. You may be able to submit your insurance information to the rental agency so that they can bill your provider directly. Alternately, you may have to pay the rental fees upfront and then submit your receipt to your insurance provider for reimbursement.

Car Insurance Rates NJ

If you are wondering how much is car insurance in nj. For someone with a middle-aged and less expensive car , car insurance rates NJ yearly average minimum prices are :

Description Price
New Jersey Minimum Car Insurance Coverage $1,022 - $1,305
New Jersey Minimum Full Coverage Car Insurance $1,993 - $2,352
New Jersey Minimum Car Insurance Coverage for Young Drivers $1,582 - $1,967
New Jersey Minimum Full Coverage Car Insurance for Young Drivers $2,653 - $2834
Average monthly car insurance in New Jersey $85 - $236

Of course these prices may vary depending on your vehicle and your situation. Depending on the number of protections you have added to your insurance policy, the insurance can increase significantly.

Important Factors Influencing Car Insurance NJ

City Speed Limits 55 mph on certain state highways
Freeway Speed Limits 65 mph on certain state highways
Blood Alcohol Limits BAC is 0.08 percent
Open Container Law New Jersey both the driver and passenger of vehicles are prohibited from possessing open alcohol(generally, drinks with at least .5% alcohol). If the original seal of your drink is broken or is in a glass.
Cell Phones Laws Whether it's mailing, messaging or talking, New Jersey law prohibits the use of handheld devices while drivin. If you crash while talking , messaging or mailing, you can get up to 6-18 months in prison and up to $ 10,000 in fines. If someone dies, the driver can be charged with murder. 5 to 10 years in jail and up to $ 150,000 in fines
License Suspension on DUI Alcohol related DUI with BAC equal to or greater than 0.08% but less than 0.10% you loss your license for 3 months to 1 year . You will also receive up to 30 days (at least twelve hours) in prison and $ 250- $ 500 fine
License Suspension on DWI Same DUI

Cheap Car Insurance in NJ

Let's start off with a few of the things you could do to preserve your insurance rates low. Just like the way you drive.

The way you drive almost certainly determines the price you spend for auto insurance far more than any other one single factor. For those who speed or drive recklessly and get even one moving violation then you are not going to get the cheapest price on your auto insurance.

And anyone who is foolish enough to drive under the influence or when intoxicated and you are convicted of a DUI or a DWI then you can forget all about reasonable cheap car insurance rates in NJ for a minimum of three years. When you get a second conviction for DWI or DUI you will not be seeing low auto insurance rates till you're a very old driver.

If you're below 25 years of age you will be going to spend higher rates for car insurance. That is basically a fact of life. But, if you can stay on your parents' policy you can save some cash and if you'll stay in school and maintain at least a “B” grade average then you may save another 5% each and every and every month by a good Student Discount.

Older drivers can get a comparable break if they take, and pass, a unique driver's refresher course. For anyone who is no less than 55 years old, ask your insurance agent if your organization gives such discount.

Lots of folks save an incredible deal of funds on their auto insurance by merely driving their automobiles lots less. These individuals are applying public transportation for practically all of their “driving” desires and carpooling to work and letting their vehicle sit in their garage unless they ought to have it for a thing special. Inside the event you drive much less than 500 miles per month talk to your agent about receiving a low-mileage discount.

If you have retired from work tell your agent. Cars that are not driven to work and back every day cost much less to insure.

Drop collision and comprehensive coverage on older automobiles that no longer have any Kelly Blue Book value. If your automobile has no genuine value your insurance firm won't provide you with something for it anyway, even if you continue wasting your money on collision and comprehensive insurance.

How large of a deductible can you afford? Take your time answering this question due to the fact whatever number you come up with is an amount you'll really need to pull out of your own pocket anytime you might have a claim – but the larger your deductible the smaller your monthly premium.

Once you have decided on how much your cheap car insurance in NJ then it is time to go online and find at the very least 3 of the dozens of websites that will let you quickly and easily find out the amount of your policy will cost from different insurance companies. You will find that there might be a considerable difference in price from company to another.

Don't get lazy and just compare prices on one website. No website compares prices from the many various insurance companies, so if you want to ensure that you'll be seeing the widest range of prices possible you will have to make your comparisons on at the very least 3 different websites.

But once you've done that then all you must do is to choose the most competitive price and you're done. You now know what to take into consideration in a cheap car insurance policy quote in New Jersey and you know how to find the best price on your coverage.