Enter your ZIP code:

New Jersey Car Insurance

If you want to lower the cost of your New Jersey car insurance, find out all the car insurance options available to you. Comparison shop with InsureMe's five free quotes on quality, low cost New Jersey car insurance.

We'll find you choices! Ask for your quotes today!


Facts and Information about New Jersey Car Insurance

Paying for your New Jersey car insurance shouldn't be painful. Car insurance is supposed to protect your investment, so why continue to dole out hard-earned money for over-priced, unnecessary coverage?

Start by researching your New Jersey car insurance options. The more you know, the better shopper you'll be!

Two New Jersey Car Policies
New Jersey car insurance comes in two types: Standard Auto Insurance and Basic Auto Insurance.

Standard auto insurance is by far the most purchased car policy in the state. Here's what you'll get with this type of coverage:

  • Property Damage Liability — can be as low as $5,000 per accident
  • Bodily Injury Liability — can be as low as $15,000 per person, $30,000 per accident
  • Uninsured Motorist Coverage — available up to the liability amounts
  • Underinsured Motorist Coverage — available up to the liability amounts
  • Personal Injury Protection (PIP) — can be as low as $15,000 per person or accident

All standard auto insurance policies are required to carry uninsured motorist coverage and underinsured motorist coverage.

Other policy benefits, resulting from an accident or collision include: income continuation, essential services coverage—which pays for quality of life tasks you would normally do yourself—and death and funeral benefits.

Collision and comprehension coverage are available to purchase separately. The deductible is $750, according to the New Jersey Department of Banking and Insurance (DOBI). Ask your New Jersey car insurance agent for the right deductible for your budget.

Basic auto insurance policies provide New Jersey car insurance with minimum coverage.

The policy includes:

  • Property Damage Liability at $5,000 per accident
  • PIP at $15,000 per person, per accident

You may add $10,000 for bodily injury liability coverage. Collision and comprehensive coverage may be available with some car insurers.

Take note: this car insurance policy contains a Limited Right to Sue clause, which restricts your ability to sue should you be involved in an accident.

How to Reduce Insurance Premiums
After you've chosen your car insurance policy, talk with your New Jersey agent about tailoring your car insurance.

Set your deductibles higher.

File less claims and pay for minor repairs yourself.

Restrict certain people from driving your premier vehicle under the Named Driver Exclusion option. By naming the people who have your permission to drive a vehicle, you reduce the amount of collision and comprehensive coverage on that vehicle. You pay only for the people who are driving that vehicle!

Should an unnamed person drive your vehicle and be involved in an accident, your car insurance company could deny your collision and comprehensive claim.

Use your health insurer as your PIP coverage provider. If your health insurance covers vehicle accident injuries, consider using its health coverage as your PIP. Why continue to pay for duplicate coverage?

Be aware: if your health insurer is listed as your PIP provider, yet you lose your health insurance, your New Jersey car insurance carrier will charge you a $750 deductible for any medical claims.

You Have Car Insurance Rights
You have New Jersey car insurance consumer rights, protected by law and upheld by DOBI.

  • When you request car insurance quotes, insurance agents must present their quotes to you within five days from the date they received your request. This deadline assures that agents can't stall your car insurance purchase.
  • If you are denied car insurance, the car insurer must state in writing why you were denied.
  • Car insurance agents must provide you with three coverage options, called Insurance Scenarios. This is required whether you already own car insurance and would like more policy information, or if you are shopping for a new policy, according to a DOBI pamphlet.
  • You may change policies and coverage limits any time during the life of a policy. Make certain to ask for your premium refunds if your costs are lowered.
  • Contact DOBI immediately if you think your New Jersey car insurance consumer rights have been violated.
  • You need New Jersey car insurance, but you don't have anguish over an expensive policy. Knowing what you're entitled to is the best first step you can take! You'll find cheaper car insurance because you now have effective money-saving tips!
Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10898
101 Wyoming Auto Insurance youcomparequotes 10795
100 Wisconsin Car Insurance youcomparequotes 10419
99 Wisconsin Auto Insurance youcomparequotes 10503
98 West Virginia Car Insurance youcomparequotes 11421
97 West Virgina Auto Insurance youcomparequotes 10367
96 Washington, D.C. Car Insurance youcomparequotes 12021
95 Washington, D.C. Auto Insurance youcomparequotes 11050
94 Washington Car Insurance Quotes youcomparequotes 11531
93 Washington Auto Insurance Quotes youcomparequotes 11195
92 Virginia Car Insurance youcomparequotes 10862
91 Virginia Auto Insurance Quotes youcomparequotes 10875
90 Vermont Car Insurance youcomparequotes 13110
89 Vermont Auto Insurance youcomparequotes 10147
88 Utah Car Insurance youcomparequotes 10806
87 Utah Auto Insurance youcomparequotes 10610
86 Texas Car Insurance Quotes youcomparequotes 10833
85 Texas Auto Insurance Quotes youcomparequotes 10831
84 Tennessee Car Insurance youcomparequotes 10440
83 Tennessee Auto Insurance youcomparequotes 11014
82 South Dakota Car Insurance youcomparequotes 10676
81 South Dakota Auto Insurance youcomparequotes 9952
80 South Carolina Car Insurance youcomparequotes 10871
79 South Carolina Auto Insurance youcomparequotes 10748
78 Rhode Island Car Insurance youcomparequotes 10224
77 Rhode Island Auto Insurance youcomparequotes 10597
76 Pennsylvania Car Insurance Quotes youcomparequotes 10926
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11427
74 Oregon Car Insurance Quotes youcomparequotes 11082
73 Oregon Auto Insurance Quotes youcomparequotes 10737
72 Oklahoma Car Insurance youcomparequotes 10784
71 Oklahoma Auto Insurance youcomparequotes 10756
70 Ohio Car Insurance Quotes youcomparequotes 10487
69 Ohio Auto Insurance Quotes youcomparequotes 10412
68 North Dakota Car Insurance youcomparequotes 10493
67 North Dakota Auto Insurance youcomparequotes 10889
66 North Carolina Car Insurance youcomparequotes 14195
65 North Carolina Auto Insurance youcomparequotes 11177
64 New York Car Insurance Quotes youcomparequotes 10411
63 New York Auto Insurance Quotes youcomparequotes 11390
62 New Mexico Car Insurance youcomparequotes 9867
61 New Mexico Auto Insurance youcomparequotes 9986
» New Jersey Car Insurance youcomparequotes 10215
59 New Jersey Auto Insurance youcomparequotes 10354
58 New Hampshire Car Insurance youcomparequotes 11266
57 New Hampshire Auto Insurance youcomparequotes 10879
56 Nevada Car Insurance youcomparequotes 10589
55 Nevada Auto Insurance youcomparequotes 10622
54 Nebraska Car Insurance youcomparequotes 10276
53 Nebraska Auto Insurance youcomparequotes 11248
52 Montana Car Insurance youcomparequotes 10308
51 Montana Auto Insurance youcomparequotes 10450
50 Missouri Car Insurance youcomparequotes 10608
49 Missouri Auto Insurance youcomparequotes 10506
48 Mississippi Car Insurance youcomparequotes 10918
47 Mississippi Auto Insurance youcomparequotes 10825
46 Minnesota Car Insurance Quotes youcomparequotes 11054
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11159
44 Michigan Car Insurance youcomparequotes 10242
43 Michigan Auto Insurance youcomparequotes 9972
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17280
41 Massachusetts Auto Insurance Reform youcomparequotes 11059
40 Maryland Car Insurance youcomparequotes 11265
39 Maryland Auto Insurance youcomparequotes 11283
38 Maine Auto Insurance youcomparequotes 10933
37 Louisiana Car Insurance youcomparequotes 11231
36 Louisiana Auto Insurance youcomparequotes 10581
35 Kentucky Car Insurance youcomparequotes 10682
34 Kentucky Auto Insurance youcomparequotes 10399
33 Kansas Car Insurance youcomparequotes 10223
32 Kansas Auto Insurance youcomparequotes 10653
31 Iowa Car Insurance youcomparequotes 10516
30 Iowa Auto Insurance youcomparequotes 10532
29 Indiana Car Insurance youcomparequotes 10485
28 Indiana Auto Insurance youcomparequotes 10450
27 Illinois Car Insurance youcomparequotes 10467
26 Illinois Auto Insurance youcomparequotes 10113
25 Idaho Car Insurance youcomparequotes 10336
24 Idaho Auto Insurance youcomparequotes 10421
23 Hawaii Car Insurance youcomparequotes 10768
22 Hawaii Auto Insurance youcomparequotes 10855
21 Georgia Car Insurance youcomparequotes 10075
20 Georgia Auto Insurance Quotes youcomparequotes 10969
19 Florida Car Insurance Quotes youcomparequotes 12469
18 Florida Auto Insurance Quotes youcomparequotes 10410
17 Find Maine Car Insurance youcomparequotes 10377
16 Delaware Car Insurance youcomparequotes 10668
15 Delaware Auto Insurance youcomparequotes 10546
14 Connecticut Car Insurance youcomparequotes 10463
13 Connecticut Auto Insurance youcomparequotes 10290
12 Colorado Car Insurance Quotes youcomparequotes 10474
11 Colorado Auto Insurance youcomparequotes 10027
10 California Car Insurance Quotes youcomparequotes 10970
9 California Auto Insurance Quotes youcomparequotes 11112
8 Arkansas Car Insurance youcomparequotes 11258
7 Arkansas Auto Insurance youcomparequotes 10647
6 Arizona Car Insurance Quotes youcomparequotes 10601
5 Arizona Auto Insurance youcomparequotes 11036
4 Alaska Car Insurance youcomparequotes 10784
3 Alaska Auto Insurance youcomparequotes 11576
2 Alabama Car Insurance youcomparequotes 10255
1 Alabama Auto Insurance youcomparequotes 10765
XE Login