Car Insurance NJ

Cheap Car Insurance

Affordable insurance for New Jersey    Home

Best Rates NowSM

Car Insurance NJ

Car insurance NJ | See how much you can save today. Discover the best car insurance NJ rates and coverage here online. Whatever coverage is required find a discount carrier and get better quotes. You could save hundreds of dollars with best choice insurers.

Car Insurance NJ

When purchasing a new policy for car insurance NJ motorists are presented with unique choices over coverage and many car insurance NJ carriers from which to choose. Every driver should have an understanding of the coverages offered and will benefit from a little knowledge about pricing and how affordable car insurance NJ quotes are determined. In regard to auto and car insurance NJ vehicle owners will be all to aware of the expensive cost of insurance in the state.

car insurance new jersey

Average car insurance New Jersey premiums have improved in recent times but in general car insurance New Jersey prices still represent a significant burden to many motoring households. An understanding of car insurance NJ rates can help drivers lower the cost of their premiums and get better quotes from car insurance NJ providers.

Before considering the best New Jersey rates first let's consider the various coverages that may be purchased including the state mandated car insurance NJ requirement for a minimum level of insurance.

Car Insurance NJ Coverage

car insurance new jersey Every state mandates a certain minimum coverage but for car insurance NJ differs in one important respect. There are actually two state minimum requirements, depending on which of two policy types you choose to buy. New Jersey allows motorists to choose between a Basic or a Standard policy.

The basic policy was designed as an alternative for some drivers with few assets to protect, but in practice such policies are rarely bought. Standard car insurance NJ is the type of policy purchased by state residents although a standard car insurance NJ policy should not be confused with the concept of full coverage.

Basic car insurance NJ Policy


Liability car insurance NJ State Minimum Requirements:
PDL Property Damage Liability: $5,000 each accident
PIP Personal Injury Protection: $15,000 per person and per accident


BIL Bodily Injury Liability: $10,000 per person and per accident
Collision - Some carriers offer a small amount of collision and:

Standard car insurance NJ Policy


Liability car insurance NJ State Minimum Requirements:
BIL Bodily Injury Liability: $15,000 per person, $30,000 each accident
PDL Property Damage Liability: $5,000 per accident
PIP Personal Injury Protection: $15,000 per person and per accident
UIM/UM Underinsured/Uninsured Motorist Coverage NJ: $15,000 per person, $30,000 each accident


Auto rental reimbursement

Right To Sue:

Car insurance NJ customers that purchase a Standard policy must decide whether they wish to retain or forgo the right to sue. Car insurance NJ law allows a driver to maintain a legal ability to sue another for injuries that may be received in a car accident. At the time of purchasing the policy, the New Jersey driver must select the Unlimited Right to Sue option. The alternative Limited Right to Sue means that you forgo your right to sue for non-economic damages or injury except in cases defined as resulting in permanent or serious bodily injury.

Car Insurance NJ Rates

insurance new jersey All quotes that New Jersey drivers receive for a policy are based upon car insurance NJ rates. There is thus a distinction between rates and quotes. Most consumers are familiar with the wide range of information that must be presented in order to obtain quotes for car insurance. NJ motorists for the most part may not be aware that much of the information necessary is not fundamental to the price of the premium.

Some drivers mistakenly believe that insurance cost is mostly governed by the make and model of car to be insured. Car insurance NJ rates are not set on the basis of vehicle type, rather they reflect basic driver profiles. Car insurance NJ rates are set by each carrier for each location in New Jersey. They are also set for, and therefore differ according to, your gender, how old you are and whether you are a married person or not - at each location.

These factors form the basis of ratings or base pricing that insurers determine based on historical claim patters and cost of business. Car insurance NJ quotes and the premium you pay is largely a factor of these ratings.

Every car insurance NJ quote is unique to the driver and calculated using all the information that you provide, such as the car you drive, your mileage, your profession, whether you have a ticket and more. The majority of these facts including what motor you drive help insurers make pricing adjustments to their base rate.

car insurance companies new jersey When you consider that with quotes for car insurance NJ carriers make similar adjustments then you begin to understand the importance of the underlying rate. Car insurance NJ rates vary greatly depending on location and basic driver profile. In addition to price differentials between insurers, each insurer may come out relatively cheap or expensive for the same address depending on the age and gender of the driver. 

What does this all mean for quotes? Quotes can vary enormously for any driver at any New Jersey location, a factor of carrier choice more than any other reason. Car insurance companies in NJ are numerous and by finding the best car insurance companies in NJ here drivers may discover lower rates. For low cost car insurance NJ drivers must shop and get quotes from multiple carriers to uncover the best rate.

When considering the best car insurance in NJ drivers may reflect on both price and quality. The best car insurance in NJ may be defined as coming from a carrier that offers a value rate together with a solid reputation for customer satisfaction. A car insurance NJ carrier's performance in regard to claims is an important metric that prospective buyers might review. Car insurance NJ ratings or reviews can help when evaluating quality however they are less helpful in the case of price because of the complexity involved.

Discount Car Insurance NJ

Finding the right carrier can help save a great deal of money. Find a list of car insurance NJ companies here online and collect free quotes today. Discount car insurance NJ rates are fundamentally your route to savings. Choices regarding coverage can also help cut the cost of quotes but take second place to the role that carrier choice plays. What about car insurance New Jersey discounts? Discounts have a secondary role to play. For cheap car insurance New Jersey drivers should concentrate on identifying those carriers that represent best value on the basis of original rate pricing. Car insurance companies in NJ offer similar offers that can be applied to your premium. Car insurance NJ discounts are sales tactics that imply value for money. For best priced or cheapest car insurance NJ motorists should enjoy any discounts on top of the lowest rate already found. Other distractions to help insurers sell policies relate to bonuses and reducing deductibles. For cheap car insurance anywhere in NJ start here.


- Did You Know
About car insurance deals?

- Q&A
Vehicle Safefy Awards

- Learning Center
Car insurance for New Drivers