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• NJ Auto Insurance

New Jersey Auto Insurance Laws, Information & Quote Comparisons

Don’t Settle For Less Than The Best NJ Auto Policy

Too many people make the mistake of only comparing quotes from one or two car insurance companies that they are familiar with and then purchasing a new policy with one of them. That’s not the way to go about it because there are dozens of policies sold from dozens of companies in New Jersey and chances are good that you can save yourself a lot of money.

Getting the low, cheap auto insurance rate that covers your liability needs or wants can be an overwhelming task. The multiple car insurance companies in New Jersey that compete for your business offer many different policies. While each state requires liability insurance, each state also has a different set of minimum amount of liability insurance requirements.

Compare New Jersey car insurance rates and quotes faster and easier. We’ll help you make sure you are up-to-date on the minimum amounts of liability insurance required in New Jersey and make sure you are aware of related New Jersey auto insurance laws.

When you are ready to start thinking about where to purchase a policy,we’ll assist you with some helpful information on how to compare New Jersey insurance companies. Best of all, we provide a free, online quote tool that you can use to compare multiple New Jersey auto insurance company quotes.

New Jersey auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Click for more information about New Jersey auto insurance quotes.

Common Auto Insurance Coverage Available From New Jersey Insurance Companies

Mandatory Liability Coverage

Every state requires some liability insurance. Liability insurance covers damage damages caused to another party if you cause an auto accident. There are two basic types of liability insurance:

• Bodily Injury: covers medical costs of other people involved in the accident
• Property Damage: covers damage to other vehicles and/or personal property involved in the accident

Auto Collision Insurance Coverage

Collision car insurance covers damage to your own vehicle due to an accident. There’s usually a deductible. The higher the deductible, the lower the policy amount. You generally want enough collision insurance to cover your assets, but if you drive an older car or have no assets to protect, you may not want to go overboard with purchasing collision insurance.

Comprehensive Car Insurance

Comprehensive insurance covers your vehicle for non-collision damages. A few examples of the types of damage that comprehensive insurance may cover:

• Theft
• Fire Damage
• Natural Disaster Damages
• Types of Vandalism

Gap Auto Insurance Coverage

Gap insurance provides coverage for the difference between the amount owed on the vehicle and the value of the vehicle.