Auto insurance in New Jersey

Have trouble finding good auto insurance in New Jersey, with costly policies and ridiculous coverage amounts? Do not worry, because we are here to help you out. This section of our site is dedicated entirely to cheap auto insurance in New Jersey, so whether you are from Philadelphia, New Jersey or any other place in this state you will find all the necessary information right here including the best auto insurance quotes to get busy with.

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In case you want to learn more about New Jersey auto insurance, or have any particular questions that don't fall into the general category you may want to contact the New Jersey Department of Banking and Insurance at (603) 271-2261. You can address all of your questions and learn more about different situation you may be interested in. However, before you start, we recommend learning the basic New Jersey auto insurance requirements and regulations.

Being a resident of New Jersey, you posses all the right concerning auto insurance, which are protected by the New Jersey Department of Banking and Insurance:

• Auto insurance agents and providers are required to provide you with adequate quotes within five days after receiving your request.
• In case you are denied in insurance coverage the company should provide an adequate reason in written form.
• Whether shopping for a new policy or looking for other options with a valid policy on your hands, the insurance companies and agents are obliged to provide you with at least three coverage options known as insurance scenarios.
• You have the right to modify your coverage types and amounts anytime during your policy's active period and ask for a refund in case your coverage amounts have been lowered.

New Jersey auto insurance is available in two forms: Standard and Basic. Standard auto insurance policies are the most popular options in the state of New Jersey and provide the following coverage types and amounts:

• Property Damage Liability — at least $5,000 per accident
• Bodily Injury Liability — at least $15,000 per person and $30,000 per accident
• Uninsured Motorist Coverage — can be up to the liability coverage amounts
• Underinsured Motorist Coverage — the same as for uninsured motorist coverage
• Personal Injury Protection — cat least $15,000 per person or accident

Both property damage and bodily injury liability coverage are required with standard and basic policies. Standard policies also carry uninsured and underinsured motorist coverage all the time. In case your car is purchased through a loan you should ask the dealer or lender which coverage types and amounts are required by the contract before purchasing a policy.