• Cheap Car Insurance in New Jersey

    New Jersey Auto Insurance — The Elementary Principles

    Insurance laws vary from state to state. All of them follow a basic framework but the zoom in and you will find that the details differ slightly. It is the responsibility of every motorist to learn about these details and follow them to the letter. It isn’t that difficult, though, and we’ve collated the most important facts in this article to simplify things further. Another service we provide at Newjerseycarinsurancequotes.net is a quote aggregator which can grab the freshest rates from all over the Web in an instant. If you want to save on your premium payments by getting cheap car insurance in New Jersey, then you definitely have to give it a try.

    NJ Auto Insurance: Requirements to Keep in Mind

    Similar to most states, car owners who want to drive in New Jersey must get themselves an insurance policy that meets the minimum requirements set by law. In addition, motorists must carry their insurance papers at all times in order to show officers if they ever get stopped on the road and of course to hasten the claims processing if they figure in an accident. Leaving these at home is tantamount to making the insurance useless during times of crisis and could even lead to sanctions due to carelessness. New Jersey requires drivers to get Personal Injury Protection as well as UM/UIM coverage which tend to increase the average premium across the state.

    Coverage

    Requirements

    Most Common

    Bodily Injury Liability

    15,000/30,000

    100,000/300,000

    Property Damage Liability

    5,000

    25,000

    UM/UIM Coverage

    15,000

    30,000

    PIP Coverage

    15,000

    Meets Minimum Requirements

    Medical Payments

    Optional

    5,000

    Collision

    Optional

    250 Deductible

    Comprehensive

    Optional

    0 Deductible

    Be sure to check if the policy you are getting meets or exceeds these minimum amounts. If you find it satisfactory, the turn your attention to the speed limits and other traffic rules that are specific to the state. We have listed the thresholds for each kind of road for easy reference:

    Speed Limits
    Rural Interstate Roads 65 mph
    Urban Interstate Roads 55 mph
    Other Limited-Access Roads 65 mph
    Other Roads 55 mph

    Additional Resources on New Jersey Auto Insurance

    Should you have any question with regards to the information presented here, kindly visit the following links for clarification. These official sites have up-to-date info as well as the latest news in auto insurance. They also contain helpful guides for people who want to obtain an ID or related documents. The New Jersey Motor Vehicle Commission tops the list to must-see websites: www.nj.gov/mvc

    New Jersey Department of Banking and Insurance: http://www.state.nj.us/dobi/index.html

    Official Website of New Jersey: www.nj.gov

    What Motorists Can Do to Acquire Cheap Auto Insurance in New Jersey

    When applying for insurance, give the impression that you are a safety-first kind of driver. Emphasize that you have never been charged of any driving violation. If you have been charged before, then don’t hesitate to mention it. Make it clear that it was a long time ago, and that your record since then has been pristine. Inquire about the discounts they offer and avail of those that you are eligible for.

    Don’t take chances on the road. Get a plan that complies with all the requirements and follow all the rules. These may take a bit of effort at first but they will guarantee a hassle-free driving experience in return.

    Try our quote locator today and save hundreds of dollars for your family.

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    The Official Web Site for The State of New Jersey
    New Jersey - Wikipedia, the free encyclopedia