New Jersey Auto Insurance
Providing Car Insurance in Central New Jersey
Are you considering going with one of those New Jersey car insurance companies that promise to give you the cheapest policy in 15 minutes or less? Let’s get real. They know, and you should too, that while the process of buying that policy is quick and painless, you’re often left with the aches and strains of improper coverage. Sure, you’ll save up front, but it’s often by reducing the wrong coverage. After an accident, you’ll find out you needed more coverage and you’ll probably end up spending way more than you ever saved.
Auto insurance is a crucial building block in the foundation of your budget. And it’s all about the right mix of price and protection. Our professionals will help you select the right coverage for your lifestyle with every available discount, which can add up to some serious savings… of money AND stress!
Which New Jersey auto insurance coverage options do I need?
Explanation of auto insurance coverage
Can you get auto insurance discounts?
Special policy features
Which New Jersey auto insurance coverage options do I need?
Selecting the right insurance coverage levels for your lifestyle is like choosing which classes you’ll take in your major at college. Only you can decide what’s best for your unique situation. A few things to consider regarding coverage:
- Vehicle(s) – Is it a 1979 used Buick or a new 2011 Porsche? Consider age, purchase price and whether leased, financed or owned. Do you need“full coverage”? Should you consider different deductibles?
- Family – Do you own a NJ home or rent? Have a ring on your finger? Do kids or elderly parents depend on your income?
- Health Insurance - Are you and your family covered by and happy with your health insurance plan? Personal injury protection that may be worth considering.
- Asset Protection – All of your assets are at risk when you get behind the wheel. 401Ks, CDs, bank accounts and/or other investments, your business? It’s all at risk.
- Household Income - Your income can be exposed if you cause a serious accident and it can be at risk if you’re injured in an accident.
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Explanation of auto insurance coverage
It’s not about your car, it’s about your life. New Jersey auto insurance is protecting you and your loves ones from major financial disaster.
Coverage for others
Liability Coverage - Your “lawsuit defense fund, ” If you're at fault in an accident Liability helps protect you from the cost of these damages to people or property, and the legal expense to defend you.
Coverage for you and your family
Personal Injury Protection (PIP) - Reasonable and necessary medical and hospital expenses are covered by PIP, but so are income continuation, household services, funeral expenses and even child-care expenses while you heal.
Underinsured / Uninsured Motorist Coverage – Believe it or not, some drivers have little or no car insurance in NJ. If one of them damages your car or injures you or someone riding with you, this coverage option can help cover repairs and non-medical expenses.
Coverage for your car
Collision Coverage – In the case of a covered loss (i.e. an accident that's specifically covered by your policy), Collision helps pay for the repairs, up to the actual cash value of your car to get it driving again. The higher the deductible the lower your premium and the more you must pay when an accident requires repairs to your vehicle.
Comprehensive Coverage – Storm damage, vandalism, theft, animal encounter (most often deer in NJ)… Collision won’t cover it but Comprehensive will. Similar to Collision, the higher the deductible the lower your premium, though the savings are usually not as large.
Accidental cracked or chipped windshields and broken glass are subject to the same Comprehensive deductible since New Jersey does not have separate glass coverage. So fear not, it is possible to have small cracks and chips repaired at no cost to you.
Additional Coverage Options
Rental Car Reimbursement Coverage – If you’re antsy to get on the road while your car is being repaired after an accident, this option will reimburse you for the cost of a rental vehicle.
Towing and Labor-Cost Coverage – If you’re stranded with your car on the side of the road, this option will help reimburse you for the expense of towing your vehicle, as well as other basic roadside services.
Identity Restoration Coverage – With this option, you’ll get a team of specialists to help restore your identity if it’s stolen.
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Can I get auto insurance discounts?
Who doesn’t want to save some green? We’ll make sure you get all available discounts and bonuses to help save you money on your car insurance in NJ. Here are a few of the goodies we offer:
Discounts for safe drivers
Premier Discount – It pays to be good. If you’ve avoided tickets and at-fault accidents in the past three years, you might qualify for the Premier Discount.
Premier Plus Discount - If you’ve had an extended stay in good driver land, with no at-fault accident in the past five years, the Premier Plus Discount could be yours.
Defensive Driver Discount - An approved defensive-driving class can help you save on your premiums and even decrease points on your license.
Discounts for young drivers
Good Student Discount – Good student, good discount. Full-time students under the age of 25 maintaining a B average in the most recent semester or cumulative get this discount.
Resident Student - Full-time students attending college more than 100 miles from home without their car at school can qualify for this discount.
Driver Training Discount – Driving less than three years and completed a six-hour road training course? This discount is for you.
Discounts for safe cars
Passive Restraint Systems – Safe people choose safe vehicles. If your car came equipped with airbags or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your New Jersey auto insurance.
Anti-Lock Brakes - Similarly, if your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount lower your premiums.
Anti-Theft Devices – You can save big if your car came equipped with approved anti-theft devices.
Hold on, there’s more! – Other discounts available:
- Multi-Policy Discount
- Homeowners Discount
- Senior Adult Discount
- Automated Pay Plan Discount
- e-Bill Discount
- Early Sign-on Discount
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Special policy features
If you have an accident, you can enjoy high-quality New Jersey car insurance coverage with better protection. And if you avoid accidents, you’re entitled to rewards. Here are some special features to consider:
- Accident Forgiveness – Keep your rates from going up just because of an accident. Even when you’re at fault!
- Violation Forgiveness – Keeps your rates from going up when you have a traffic violation.
- Safe Driving Bonus – Get a check for up to 5 percent of your premium for every six months of accident-free driving.
- Deductible Rewards - You can get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident, up to $500.
- New Car Replacement - If you total your new car within the first three model years, you can get a new one, and not for just the depreciated value.
