NJ Car Insurance Law States That

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 Insurance Tidbits

Finding the best NJ Car Insurance coverage and lowest prices for Automobile insurance is not that difficult to shop for. Rates vary widely from company to company. To help make shopping, comparing rates and saving money on your insurance easier, we provide free NJ auto insurance comparison rates 24 hours a day, seven days a week. Compare cheap car insurance rate quotes for NJ drivers online from our consumer comparison rating service any time day or night, over the Internet. Spend a couple of minutes answering a few questions about yourself, your driving record, vehicle information and insurance needs. Local trusted insurance companies will tell you how much their company would charge you for an annual premium for your automobile insurance, in addition to rate comparisons from other major New Jersey auto insurers including several national insurance companies in your specific NJ zip code.

NJPAIP NJ High Risk Insurance Advice

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. Be aware of your NJ-MVC abstract, or official driving history. 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. Or, if you can accept the risk, carry lower amounts of other standard coverages. And don't forget that shopping online is a great way to access assigned risk automobile insurance NJPAIP certified producers and companies that serve Local Consumers in our area.

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NJ Insurance Quotes

Get your NJ Car Insurance or NJ Home Insurance quote started even if it is 3 A.M. in the morning. You should think about naming your NJ Group Health Insurance as you P.I.P primary and save yourself some money and have better medical coverage in case you need to have medical treatment after an accident.

NJ Insurance Links

NJ Dept of Insurance

NJ PAIP NJ High Risk Car Insurance direct to quote form

NJ Insurance Consumer Resources Online Help

NJ Car Insurance affordable quotes available now! We offer cheap car insurance rate quotes online to compare and information you need to maintain the appropriate NJ Auto Insurance coverages. An educated NJ Insurance consumer is a happy money saving consumer. To get the best deal you should try and get quotes from at least 3 of the insurance companies listed below. They are listed in the order of who wants your business the most from top to bottom. We hope you find this free service beneficial.





Compare Auto in NJ auto insurance quotes and get the best Company Rates online? Whether or not you carried New Jersey car insurance or had an out of state coverage continuously over the past several years will affect your ability to get affordable NJ voluntary car insurance policy quotes. 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. In fact if you were canceled for not paying your premium that was expected by your NJ insurance company you will have to go through the NJPAIP (New Jersey Personal Automobile Insurance Plan). This is also known as the NJ high risk or NJ assigned risk car insurance program. If this is the case and or you have trouble getting a regular car insurance policy go to NJPAIP Quote Form for help and quotes.

NJ Car Insurance Rate Determination

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 is why an insured in Jersey City, NJ, pays a higher rate than the owner of an identical vehicle in Voorhees, 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.

What Steps can I take to control 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..

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, however is a powerful idea that works.

Buying NJ Home Insurance and NJ 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 may 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 customer service professional which discounts are available to you.

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.