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New Jersey Car Insurance

Just like many US states, insurance is mandatory in New Jersey.  The recent Automobile Insurance Cost Reduction Act indicated that a basic policy must be available to all drivers.   While the basic policy offers less coverage than a standard insurance plan, it is a option when looking for cheap insurance.   You do not have to have insurance on unregistered non-operational vehicles, or on vehicles that you don't drive on the roadway.

In New Jersey you are required to have at least the three basic types of insurance; liability, personal injury and uninsured motorist.  You will be given a card that shows proof of insurance from your insurance company and may have to show this card in certain situations, like traffic violations, accidents, and random spot checks. So be sure to keep  the card with you at all times.  Even the cheap insurance plans will have varying options for these so be sure to check around and know your options.

Liability insurance covers any property damage caused by the accident if you were at fault. So if you have a limit of five thousand and a deductible of one thousand, then get into an accident and cause seven thousand dollars worth of damage, you will end up having to pay three thousand dollars out of pocket, with your insurance company paying four thousand dollars.  Personal Injury works similar, only it covers medical expenses, no matter who was at fault.  Even the cheap insurance companies offer the uninsured motorist coverage, where even if the other driver was at fault your insurance will pay if they did not have insurance.  Up to the limits of course.

Paying close attention to the limits and deductibles when shopping for insurance is key, whether you get cheap insurance or pay a premium price you may not have the deductible you need.  There are several insurance plans with varying amounts for limits and deductibles, you need to be sure you will be able to cover the deductible if something did ever happen, otherwise having insurance would have been useless.  Even if you will save ten dollars a month by choosing the plan with a thousand dollar deductible over the one with the five hundred dollar one, when the time comes to use it that ten dollars won't matter much if you can not come up with one thousand dollars.

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New Jersey Car Insurance

Although Newark, Jersey City, Paterson, Elizabeth, and Toms River are the biggest cities in New Jersey cheap car insurance rates vary from city to city and rates in Edison may or may not be different than Trenton. Whether you live in Camden, Clifton, Cherry Hill or some other city in New Jersey take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in New Jersey.


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