The state of New Jersey is notorious for having the highest rates in the country. However, it is not impossible to find low cost car insurance in New Jersey – you just have to know where to look and how to find it.
The first step is to compare rates from multiple car insurance companies. To do this all you need to do is enter your zip code above and you will be connected with the best discount auto insurance companies in your area. Click on one or more of the companies presented on the results page to instantly compare rates. The service is free and there is no obligation when comparison shopping.
According to New Jersey law, all drivers must maintain car insurance with minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident. You also must carry at least $5000 in Property Damage Liability coverage. When shopping for insurance you will often hear this referred to as 15/30/5 coverage. These requirements make it challenging to obtain low cost car insurance in New Jersey.
The state of New Jersey has what is called a Choice No-Fault system. This means that you can choose to reject the No-Fault system options and retain the right to sue for an injury caused by a car accident.
You are also required to carry a minimum of $15,000 of Personal Injury Protection which pats for the medical expenses for you and anyone in your car.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
Another obstacle in getting low cost car insurance in New Jersey is the requirement to maintain a minimum of $15,000 per person up to a total of $30,000 per accident in Uninsured/Underinsured Motorist coverage. This helps protect you in the case of an accident involving an uninsured driver.
The average car insurance premium for Garden State residents is $2,500 in 2009. This compared to $1,794 for the national average. Many people don’t both to shop around for better rates because they think insurers in NJ fix the rates. While this is not the case, it is true that each insurance company handles individual cases differently, so you are likely to get very different rates from different companies.
To make sure you get low cost car insurance in New Jersey, it is imperative that you look at rates from at least 3 and preferably 5 insurers. With dozens of carriers competing for your business, getting rates from even a few is only the tip of the iceberg. To get started saving, enter your zip at the top of the page.