New Jersey Car Insurance

New Jersey car insurance can be had from the quiet of your home and with only a couple clicks of your mouse. You can purchase a general auto insurance policy, pick up a antique car policy, or insure a van or RV. Whatever you want for auto insurance you’ll find the top auto insurance quote on the world wide web.

New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person, up to a total of $30,000 per accident. Property Damage Liability coverage is required with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.

New Jersey Coverage:

Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP (personal injury protection) limit for permanent or significant injury.

New Jersey residents paid on average about $1,485 in insurance premiums in 2004, compared to the national average of about $966. Most people assume all these rates are set by insurance companies and state regulatory agencies, but in reality, discounted and bargain rates are available to drivers in New Jersey. To learn more about NJ auto insurance laws and regulations, visit the state's official website of the New Jersey Division of Insurance.

Car insurance companies offer a variety of discounts. The trouble is most of them don’t even bother to tell you what those decreases are so it’s up to you put on your Sherlock Holmes hat and investigate on your own. For example, let’s assume you going to insure three vehicles. Many companies offer a minimum of 10% for multiple cars and in many cases it might be much more, but often the agents neglect to relinquish this handy bit of info on to you.

If you have a clean driving record and have not had speeding tickets in the past few years, then you can earn a substantial discount, depending on the insurance company you are dealing with. Expect anywhere from a 29% to 42% discount – now that’s something to get excited about!

It doesn't matter if you have a perfect driving record or if you are a high-risk driver, we'll work hard to find you the best cheap online car insurance quotes available in New Jersey. With all the statistics on car theft and auto crashes, it is important to protect yourself, your property, and your family (don't forget to buy cheap student car insurance for your younger drivers). We are constantly adding new carriers to our site so you can compare the rates of many carriers and you can purchase in one spot. We offer a site where you can compare the rates of multiple, reliable companies and purchase immediately online, or over the phone. If you live in the Garden State, see how much you can save on New Jersey car insurance.