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 10903
101 Wyoming Auto Insurance youcomparequotes 10800
100 Wisconsin Car Insurance youcomparequotes 10424
99 Wisconsin Auto Insurance youcomparequotes 10508
98 West Virginia Car Insurance youcomparequotes 11426
97 West Virgina Auto Insurance youcomparequotes 10372
96 Washington, D.C. Car Insurance youcomparequotes 12026
95 Washington, D.C. Auto Insurance youcomparequotes 11055
94 Washington Car Insurance Quotes youcomparequotes 11536
93 Washington Auto Insurance Quotes youcomparequotes 11200
92 Virginia Car Insurance youcomparequotes 10867
91 Virginia Auto Insurance Quotes youcomparequotes 10880
90 Vermont Car Insurance youcomparequotes 13115
89 Vermont Auto Insurance youcomparequotes 10152
88 Utah Car Insurance youcomparequotes 10811
87 Utah Auto Insurance youcomparequotes 10615
86 Texas Car Insurance Quotes youcomparequotes 10838
85 Texas Auto Insurance Quotes youcomparequotes 10836
84 Tennessee Car Insurance youcomparequotes 10445
83 Tennessee Auto Insurance youcomparequotes 11019
82 South Dakota Car Insurance youcomparequotes 10681
81 South Dakota Auto Insurance youcomparequotes 9957
80 South Carolina Car Insurance youcomparequotes 10876
79 South Carolina Auto Insurance youcomparequotes 10753
78 Rhode Island Car Insurance youcomparequotes 10229
77 Rhode Island Auto Insurance youcomparequotes 10602
76 Pennsylvania Car Insurance Quotes youcomparequotes 10931
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11432
74 Oregon Car Insurance Quotes youcomparequotes 11087
73 Oregon Auto Insurance Quotes youcomparequotes 10742
72 Oklahoma Car Insurance youcomparequotes 10790
71 Oklahoma Auto Insurance youcomparequotes 10761
70 Ohio Car Insurance Quotes youcomparequotes 10492
69 Ohio Auto Insurance Quotes youcomparequotes 10417
68 North Dakota Car Insurance youcomparequotes 10498
67 North Dakota Auto Insurance youcomparequotes 10894
66 North Carolina Car Insurance youcomparequotes 14200
65 North Carolina Auto Insurance youcomparequotes 11182
64 New York Car Insurance Quotes youcomparequotes 10416
63 New York Auto Insurance Quotes youcomparequotes 11397
62 New Mexico Car Insurance youcomparequotes 9872
61 New Mexico Auto Insurance youcomparequotes 9991
» New Jersey Car Insurance youcomparequotes 10220
59 New Jersey Auto Insurance youcomparequotes 10359
58 New Hampshire Car Insurance youcomparequotes 11271
57 New Hampshire Auto Insurance youcomparequotes 10884
56 Nevada Car Insurance youcomparequotes 10594
55 Nevada Auto Insurance youcomparequotes 10627
54 Nebraska Car Insurance youcomparequotes 10288
53 Nebraska Auto Insurance youcomparequotes 11253
52 Montana Car Insurance youcomparequotes 10313
51 Montana Auto Insurance youcomparequotes 10455
50 Missouri Car Insurance youcomparequotes 10613
49 Missouri Auto Insurance youcomparequotes 10511
48 Mississippi Car Insurance youcomparequotes 10923
47 Mississippi Auto Insurance youcomparequotes 10830
46 Minnesota Car Insurance Quotes youcomparequotes 11059
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11164
44 Michigan Car Insurance youcomparequotes 10247
43 Michigan Auto Insurance youcomparequotes 9977
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17286
41 Massachusetts Auto Insurance Reform youcomparequotes 11064
40 Maryland Car Insurance youcomparequotes 11270
39 Maryland Auto Insurance youcomparequotes 11288
38 Maine Auto Insurance youcomparequotes 10938
37 Louisiana Car Insurance youcomparequotes 11237
36 Louisiana Auto Insurance youcomparequotes 10586
35 Kentucky Car Insurance youcomparequotes 10687
34 Kentucky Auto Insurance youcomparequotes 10404
33 Kansas Car Insurance youcomparequotes 10228
32 Kansas Auto Insurance youcomparequotes 10658
31 Iowa Car Insurance youcomparequotes 10522
30 Iowa Auto Insurance youcomparequotes 10537
29 Indiana Car Insurance youcomparequotes 10490
28 Indiana Auto Insurance youcomparequotes 10455
27 Illinois Car Insurance youcomparequotes 10472
26 Illinois Auto Insurance youcomparequotes 10118
25 Idaho Car Insurance youcomparequotes 10341
24 Idaho Auto Insurance youcomparequotes 10426
23 Hawaii Car Insurance youcomparequotes 10773
22 Hawaii Auto Insurance youcomparequotes 10860
21 Georgia Car Insurance youcomparequotes 10080
20 Georgia Auto Insurance Quotes youcomparequotes 10974
19 Florida Car Insurance Quotes youcomparequotes 12474
18 Florida Auto Insurance Quotes youcomparequotes 10415
17 Find Maine Car Insurance youcomparequotes 10382
16 Delaware Car Insurance youcomparequotes 10673
15 Delaware Auto Insurance youcomparequotes 10551
14 Connecticut Car Insurance youcomparequotes 10468
13 Connecticut Auto Insurance youcomparequotes 10295
12 Colorado Car Insurance Quotes youcomparequotes 10479
11 Colorado Auto Insurance youcomparequotes 10032
10 California Car Insurance Quotes youcomparequotes 10975
9 California Auto Insurance Quotes youcomparequotes 11117
8 Arkansas Car Insurance youcomparequotes 11316
7 Arkansas Auto Insurance youcomparequotes 10652
6 Arizona Car Insurance Quotes youcomparequotes 10606
5 Arizona Auto Insurance youcomparequotes 11041
4 Alaska Car Insurance youcomparequotes 10790
3 Alaska Auto Insurance youcomparequotes 11581
2 Alabama Car Insurance youcomparequotes 10260
1 Alabama Auto Insurance youcomparequotes 10765
XE Login