Essex County New Jersey

Car Insurance HomeNJPAIP.COM Logo Image

NJ Car Insurance Assigned Risk Automobile Insurance
Consumer Quoting Resources
Essex County New Jersey

     National Gas Prices  NJOEM Avian Flu Update NJ Pandemic Plan Northern New Jersey AA Southern NJ AA

Official State of New Jersey Website
NJPAIP Quotes are set by the State so you will not have to shop around as in the preferred market click here to begin

Essex County New Jersey
Belleville (township)

Bloomfield (township)

Caldwell (borough)

Cedar Grove (township)

East Orange (city)

Essex Fells (borough)

Fairfield (township)

Glen Ridge (borough)

Irvington (township)

Livingston (township)

Maplewood (township)

Millburn (township)

Montclair (township)

Newark (city)

North Caldwell (borough)

Nutley (town)

Orange (city)

Roseland (borough)

South Orange (village)

Verona (township)

West Caldwell (township)

West Orange (township)

In addition to independent towns, there are dozens of neighborhoods in Newark that have the distintinctiveness of towns, but lack the political autonomy. The following neighborhoods have had articles written about them.


Downtown Newark


Forest Hill

the Ironbound

Seventh Avenue, formerly referred to as Newark's Little Italy or the First Ward.



University Heights



Like Newark, many of the county's other municipalities have distinctive neighborhoods, much like towns. They include Brookdale (Bloomfield), Seven Oaks (Orange), Newstead (South Orange), Boyden (Maplewood), Washington Park (Maplewood), Upper Montclair (Montclair), Frog Hollow (Montclair), and Short Hills (Millburn). Short Hills and Upper Montclair have separate zip-codes and practically function as more upscale, near-separate towns within towns. Upper Montclair and Short Hills both have separate business districts. In other cases, these are more ethnically oriented areas. Newstead is considered a Jewish stronghold within the town of South Orange, Boyden is a mostly Haitian and less-wealthy area of eastern Maplewood bordering on Irvington, Seven Oaks is an affluent African-American enclave and semi-gated community within Orange, and Brookdale is still an exclusively white Italian mixed with some Asian community in northern Bloomfield near Upper Montclair, Nutley, and Clifton that is much more similar to Nutley than the rest of Bloomfield.

County of essex in North Jersey

Official Do Not Call USA Government Website

US Department of Transportation Click It Or Ticket Seatbelt Usage Encouragement. Using seat belts saves lives and in required in most states.

NJ Car Insurance Buyers Guide

NJ Health Insurance


Term Life Insurance Policies 

Preferred Term Life Insurance

Counties where free quotes   Licensed NJ PAIP Producers serving these NJ counties:
Atlantic County
Bergen  County
 Burlington County
Camden County
Cape May County
Cumberland County
Essex County
Essex County
Hudson County
Hunterdon County
Mercer County
Middlesex County
 Monmouth County
Morris County
Ocean County
Passaic County

Salem County Somerset County
Sussex County
Union County
Warren County and contents are copyrighted NJ Insurance| Car insurance help online.  We cover the entire state of New Jersey groupNJPAIP.COM Page copy protected against web site content infringement by CopyscapeNJ PAIP ICRA LabelSafe Surf Rated official LOGO

 P?ina Principal   Qui?es Somos   Mapa del Sitio   English Home

US Government Official Disability Goverment Website


NJ High Risk Automobile Insurance  Consumer Resources

What is NJ PAIP? NJ Assigned or High Risk Car Insurance mechanism for NJ drivers with 7 or more points. 

The points may be all moving violations or a combination of NJ Insurance Points and NJ MVC Points.  They are added together for your total points.

To find out how many points you have visit the NJ Motor Vehicle Commission-NJMVC Web Site or phone
609- 292-7500  where you will actually talk with a real person and review your NJ Driver License history.

Then return back here and click on QUOTE HELP HERE and you will be able to accurately get a NJ PAIP Quote. If you know how many points you have go ahead and complete the quote request now.  

So you have been told by your present insurance company that you need a NJ-PAIP NJ Car insurance high risk policy due to your accumulation of moving violation points and or at fault accident points or a combination of both?
NJ Assigned or NJ High Risk policies cost more than a New Jersey preferred automobile insurance policy and one of the NJ Car insurance companies called LADS binding coverage in New Jersey will be assigned your policy.  Neither you nor the insurance company may choose. The applications are Assigned to an insurance company so that they share the high risk drivers somewhat evenly. NJPAIP Personal, NJ CAIP Commercial Rates are set and approved by the state of New Jersey department of banking and insurance, and are administered by a national non profit organization.  This website is for obtaining CONSUMER quotes only. 

If you are a claims adjuster, insurance producer, cancelled mid term,or an attorney this site will not be able to assist you, instead you should contact the plan administrator directly for help.

What decides a Essex County NJ high risk driver?

More factors decide "who is?" a high risk driver than you may know. Here are the major ones:

Your Household Driving record/s.  Everyone knows that at-fault accidents will raise your car insurance rates, but tickets and not-at-fault accidents may also. Why is that? For every speeding ticket you get, your chances of being involved in a traffic accident rise by 85-100%, and being involved in multiple car accidents, (even if you are not at fault) may indicate a pattern of careless or reckless driving.

Your own personal profile. This probably doesn't surprise you, either. And there's not much you can do about it. Insurance companies will always consider a male a greater risk than a female, teens greater than mature adults, and city dwellers costs more to insure than more rural dwellers .

Compare Auto in NJ auto insurance quotes and get the best Company Rates online?? Whether or not you carried auto insurance coverage continuously over the past several years will affect your ability to get a voluntary insurance policy now. That's because the insurance industry assumes is that you've either been driving without coverage or had your policy canceled by the previous insurance company.

You & Your Spouse's . It may not seem fair, but your credit is a factor that increasingly influences other areas of your life, including automobile, homeowners, and life insurance. Stats show that drivers with a poor/bad credit file more auto insurance claims, and so insurance companies use this information to classify us into classifications including high risk drivers.


All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement - N.J.A.C. 11:3-16   Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard/Nonstandard Regulation - N.J.A.C. 11:3-19 Underwriting Guidelines - N.J.A.C. 11:3-35
NJ Auto Insurance Essex County

An informational guide on NJ Assigned Risk and NJ Preferred Risk Automobile Insurance.

How does where I live in Essex County New Jersey affect my premium?

Where you live or, more precisely, where you keep your auto in NJ at night has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Newark NJ, pays a higher rate than the owner of an identical vehicle in Vineland NJ.

Other factors affecting insurance territory rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area, how many lawsuits are filed, go to trial, are settled out of court, and for how much money.

Why are rates different for different cars, even if the cars cost the same?

Vehicles are also grouped into categories according to their chances of being damaged, vandalized or stolen. Insurance companies generally consider the size and type of car as well as the value and the cost of repairs which vary greatly, even on cars that cost about the same amount. Therefore, it is assumed that a new sport utility vehicle is expected to hold up better in an accident than a sleek sports car or a sub-compact car.

That is why you should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Your NJ insurance company will ultimately reward you with lower premiums for putting safety first.

What is no-fault insurance?

No-fault insurance is a system adopted in some states that essentially bypasses the conventional legal procedure which finds fault in an accident. This is the procedure by which you hire a attorney, file suit and possibly go to court to prove the accident was the other guy's fault. No-fault simply does away with the concept of one party or the other being at fault--no lawyers, no court, no judge, no jury, no lengthy lawsuits against the other party. This is considered beneficial to all taxpayers, because it eliminates costly legal proceedings that the state must manage, and to insurance policyholders, because it helps keep rates down.

If you are insured in a no-fault state and have an accident, you do not have to go after the other driver. You contact your own insurer and file a claim. Your own insurance policy guarantees you immediate compensation for damages, medical expenses, lost wages, essential services, rental car arrangements etc. (If these coverages are included)

The type and range of no-fault car insurance coverage varies from state to state. What defines the limitations of no-fault policies can differ in two important areas:

Threshold--The type of damage or injury or the cost of repair or recovery that triggers the need for legal action.
Mandated--Benefit Level The package of benefits (medical, wage loss, replacement services and other expenses) your state requires you to carry.

Do all states require some kind of liability insurance?

No. Some states, while not mandating auto insurance, have what is known as financial responsibility laws that require all drivers to be able to pay for any damage or injury they may cause. However, carrying liability insurance is still the best and most affordable way for you to meet your state's financial responsibility requirements once you know what they are.

UM and UIM policies are offered by law in all states, including no fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers that may not carry enough or higher limits as the majority does; i.e., 100-300-50,000.

What happens if I have an accident with an NJ uninsured or NJ underinsured or out of state driver?

First, call the police to the scene to be sure all pertinent information is properly recorded. Your nerves will be shaken right after an accident, and it helps to have a calm and knowledgeable person walking you through the necessary details.

Then, contact your policy holder services or claims number usually on you ID Card  immediately and ask about filing a claim. If you followed all the recommended guidelines and procedures when you bought your policy, you should be covered within the benefits and or limitations of that policy. Remember, your car insurance policy is designed to protect you and anyone in your vehicle.

If the cost of your physical damages or personal injuries exceed the amount your policy will pay for, it may be time to take legal action against the other party. Even if you have no-fault insurance, sometimes the only way to be compensated is to place blame and responsibility where it belongs. That is why it is best to get a police report documenting the incident and any witnesses statement while it is fresh in their minds. This will preserve that moment in time and remove any room for doubt later in the legal process.

It is better to have the police report and not really need it, than it is to need one for court and not have one because it would have taken another thirty minutes to an hour extra at the incident scene.

Why would my NJ Insurer cancel my policy?

Technically, in most states your insurer can cancel your policy only if:

  • you fail to pay your premium;
  • you lose your driver's license;
  • you are guilty of material misrepresentation during the application process i.e., you fail to notify your insurer of a recorded violation, such as a drunken driving, or possession of drugs or any illegal activity offense; or
  • you fail to report a substantial change of risk, such as buying a new high performance sports car to replace an old high mileage family sedan.

However, your insurer may choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident. This does not apply to Individual States High Risk Insurance Pool policies.

Where do you live? Has the neighborhood changed in the last few years? Have the accident or crime rates risen noticeably? As regions are reassessed periodically, their status could change and you could suddenly find yourself living in a higher risk area, where your insurer's rates may not be adequate to cover losses.

What do I do if my NJ insurer cancels or refuses to renew my policy?

Even "good" drivers can find themselves in the position of being dropped by their current carrier. Reasons range from a couple of moving violations, or multiple accidents, or other serious violations that make you a high risk to situations outside your control, such as when insurers in your state are suffering severe business losses.

That is why it is important to note that if you are licensed to drive, by law, you are eligible for insurance. However, your options for new coverage may be limited. Each state has created and regulates a market of last resort for those who cannot otherwise obtain coverage. These groups have various names, depending on the state you live in, such as assigned risk automobile insurance plans or the residual market, or the State high risk pool.

Regardless of the reason you were dropped or cancelled by your insurer, you need to act immediately to get another policy. Under no circumstance should you drive your vehicle without knowing one hundred percent that you have current insurance. If you do find yourself in the assigned risk residual market pool, the price may be higher but it may be your only alternative in maintaining your freedom to drive.

How do I keep my New Jersey auto insurance company from canceling my policy?

The most obvious way to maintain your low risk status is to keep a clean driving record. If you've been in an accident or two, consider taking a defensive driving course.
Also, look into purchasing special safety and security features for your car, such as anti-lock brakes and an alarm system, or try OnStar. Your ARAIP-NJ PAIP insurance producer can give you further tips on how to convince your insurer you're a safe driver.

What steps can I take to reduce my NJ Car Insurance rates?

NJ Insurers often discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind. For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority. Insurers generally offer discounts for:

Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling devices.
Changing The Driving Habits Try commuting by public transit, using a company vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount for signing such an agreement varies among insurers and states, however is a powerful idea that works.
Buying Home Owners and Auto Policies from the Same Company If you own a home and an automobile and you are insured by two different companies, check into the cost of carrying both policies by one insurer. This will always offer you the cheapest buy, so put it in your corner when shopping for rates

You can also lower your insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $250 to $500, or even $500 to $750 will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car. Ask your producer which discounts are available to you.

How does adding drivers to my policy affect my rates?

The more people you allow to drive your vehicle on a regular basis, the greater the chances of your vehicle being in an accident. Teenagers are especially expensive to insure because they are the least experienced drivers.
A driver's-ed course can help ease the burden of insurance costs since it teaches your teenager defensive driving techniques. If your child's high school does not offer drivers education, try to find one offered by another school or a private firm in the area. After all, the cost of driver's-ed could be cheaper than the extra cost of your insurance. Many insurers offer "good student" discounts as well.
An adult's driving experience can also affect your rates significantly. Don't assume that every adult you know has been driving since age 17 or 18 or is a competent driver with a clean driving or insurance record. Again, taking a defensive driving course is a good way for adults to prove they are also responsible drivers, thus lowering their risk and their insurance premium rates.

Essex County is among the most diverse counties in both New Jersey and the country. The county is home to immigrants from hundreds of different nations, and American natives of all ethnic backgrounds and cultures. The county is one of the most Italian counties in America, with nearly 50% or over of residents in several towns of the West Essex area and in the "Pasta Triangle" (Bloomfield, Belleville, and Nutley) area being of Italian descent. Though, recently, the "Pasta Triangle" is seeing increased Italian emigration towards the county's western towns such as West Caldwell, Fairfield, and Verona; meanwhile, the "Pasta Triangle" region is seeing diverse racial immigration from neighboring Newark and the Oranges, and an increase of the Asian-American population. However, this emigration has mostly affected the southern portions of Bloomfield and Belleville, with the more suburban areas of Nutley and northern Bloomfield still traditional, functional Italian neighborhoods. The county also has one of the highest percentages of both blacks and Hispanics in the nation, with a growing Asian population as well.

Though a majority of the county that practices religion is Christian, the county is also among the most Jewish places in the nation with 76,200 Jewish residents according to the 2002 results of the National Jewish Population Survey.[1] Most are concentrated in the SW Essex towns of Short Hills, Millburn, South Orange, West Orange, Maplewood, and especially Livingston, where the Jewish population is 12,600 or about 46% of the township's population. Along with the other five or six counties immediately surrounding New York City, Essex County is the main reason why New Jersey is the most ethnically, culturally, and religiously diverse state in the country.

As of the census2 of 2000, there were 793,633 people, 283,736 households, and 193,507 families residing in the county. The population density was 2,427/km? (6,285/mi?). There were 301,011 housing units at an average density of 920/km? (2,384/mi?). The racial makeup of the county was 44.46% White, 41.24% Black or African American, 0.23% Native American, 3.71% Asian, 0.05% Pacific Islander, 6.88% from other races, and 3.42% from two or more races. 15.42% of the population were Hispanic or Latino of any race.

There were 283,736 households out of which 33.80% had children under the age of 18 living with them, 42.30% were married couples living together, 20.40% had a female householder with no husband present, and 31.80% were non-families. 26.70% of all households were made up of individuals and 9.60% had someone living alone who was 65 years of age or older. The average household size was 2.72 and the average family size was 3.30.

In the county the population was spread out with 26.10% under the age of 18, 9.40% from 18 to 24, 31.10% from 25 to 44, 21.50% from 45 to 64, and 11.90% who were 65 years of age or older. The median age was 35 years. For every 100 females there were 90.70 males. For every 100 females age 18 and over, there were 86.40 males.

The median income for a household in the county was $44,944, and the median income for a family was $54,818. Males had a median income of $41,374 versus $32,052 for females. The per capita income for the county was $24,943. 15.60% of the population and 12.80% of families were below the poverty line. 20.50% of those under the age of 18 and 12.20% of those 65 and older were living below the poverty line.

1: Other Party:

Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.

Try this simple question: What if your car was involved in an auto accident tonight where heaven forbid, someone else was injured or killed? Remember, everything you own is in the back seat of the car with you and is at risk in a lawsuit! So, what do you think their family would sue you for? $15,000? $25,000? $100,000 or even maybe a Million dollars! Where would you get the money to pay them?

Perhaps the Equity in your Home would help? How about your Savings and/or Investments? You could even have up to 25% of your wages attached to pay the award in most states! Are you prepared to sacrifice everything you own to pay an award due to this accident? If not, read on for how to choose the auto insurance coverage you need.

2: You and Your Family:

Now let?s turn the above accident around. For some unfortunate reason, you or a loved one is the one who is injured or killed in an auto accident. Where would you get the money if the person who hit you did not have auto insurance or not enough auto insurance? Medical bills can be covered if you have health insurance. But health insurance doesn?t cover loss of life, pain & suffering or permanent disability.

Maybe you have a life insurance policy through your employer or your own individual life policy. Is the benefit amount sufficient to cover your family if your loved one is killed? But even if you have life insurance, what pays for the misery, the pain & suffering, maybe the fact you or a loved one can't walk or use their arms again?

You might have a disability insurance policy through your work if you?re lucky or had good financial advice. But disability insurance doesn?t pay for loss of life, pain & suffering, permanent loss of your legs, arm or hand.

The only coverage that pays for these things is a part of an auto insurance policy known as Un/Under-insured motorist coverage. You can only buy as much coverage here as you have in Liability coverage. Your auto insurance agent should be able to help you determine the exact amount you need.

3: Your Car

Comprehensive and Collision Coverage are the third part of an auto insurance policy and are sometimes referred to as ?Full coverage.? Basically the difference is this: If you run into the tree you are covered by Collision coverage. If the tree runs into you (hypothetically of course), then you are covered by comprehensive coverage. Comprehensive also covers broken windshields, fire, theft and vandalism. The higher deductible (risk) you take here, the lower the premium. Use the savings here to purchase higher limits in the coverages that protect your assets and your family.

The bottom line to determining proper auto insurance coverage is, of course, the money available in your household budget. An excellent place to start in determining the proper auto insurance coverage for your family is to meet with your local auto insurance agent.

Most cut-rate companies concern themselves with one thing only: Price. Tell them what coverage you have and they?ll see if they can give you the same coverage for less. You become the insurance professional. If this is the only need you have then that is ok. If not, you need to seek the advice of a professional to help you determine the proper amount of coverage you need and how best to accomplish it.


Getting yourself out of the high risk auto insurance NJ or assigned risk category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time. some factors will fade with time. Most insurance companies rate a driver with no points for three years as a good or preferred risk.  But there are a few things you can do to cut high risk auto insurance costs now!  Consider driving an older car and dropping collision and comprehensive coverages.  if you can accept the risk, carry lower amounts of other standard coverages.


NJPAIP.COM Consumer assistance with NJ Personal Automobile Insurance. Quotes

NJPAIP.COM| NJ Car Insurance Home | NJ DMV - NJMVC Abstracts | || Privacy Terms & Conditions