NJ Auto Insurance

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NJ Auto Insurance-  New Jersey across 50 companies and four drivers types to find the cheapest car insurers. Our research showed that rates in the state can differ widely: for example, the cheapest auto insurance quotes in New Jersey for a middle-aged married couple were about $4,630 or 79% lower than the most expensive company. One company’s premium could pay for almost four years of insurance for our married nj auto insurance.

NJ Auto Insurance company can give you an attractive price on nj auto insurance, but don’t be fooled — they may be sacrificing your coverage. When you choose Plymouth Rock Assurance you’ll experience the best care, guidance and advice, all while getting a competitive price. In fact, drivers who have switched saved an average of $439 per year.

New Jersey Car Insurance Information

NJ Auto Insurance most states, in order to register and drive your car in New Jersey, the state requires that you have a minimum level of certain types of auto insurance coverage.

  • Personal Injury Protection: $15,000 per person, per accident.
  • Property Damage Liability: $5,000 per accident.

The people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident. To learn more about nj auto insurance minimums, download this brochure from the.

Selecting The Best Auto Insurance Coverage

NJ Auto Insurance – Navigating through your options, selecting the best coverage and setting your limits can be confusing, but our experts are here to help you think through important questions that could influence your decisions:-

  • Where and how do you drive?
  • What deductibles should you choose?
  • The Such as happens if you have a young driver in the house?
  • What is the value of the car or cars you are going to cover?
  • Are any or all of your vehicles financed or leased?
  • What other assets and income do you need to protect?

Car Insurance Requirements in NJ

laws, you must choose a car insurance policy. Basic and standard policies are available; you should choose whichever policy best suits your insurance and financial needs.

Basic Policy

The Basic policy option is the more affordable insurance package; however, it offers limited coverage, including:

  • $5,000 of property damage liability (PDL) per accident. This covers damage you may have caused to someone’s property in a car crash.
  • Up to $250,000 for very severe injuries, such as permanent brain injuries.
  • $15,000 of personal injury protection (PIP) per person, per accident. This coverage pays for injuries you suffer in a car crash.

NOTE: Bodily injury liability (BDL) coverage is not included in the Basic policy; however, policyholders are offered the option to purchase $10,000 of BDL coverage.

New Driver Licensing Requirements:-

Student Learner’s Permit. Beginning at age 16, applicants may obtain this permit by passing the vision and knowledge tests, paying the fee and enrolling in a driver education course. While holding this permit, the following applies:-

  • The applicant may not drive between 11pm and 5am.
  • Only one passenger is allowed unless accompanied by a parent or legal guardian.
  • No cell phone use is permitted.
  • The applicant must be accompanied by a New Jersey licensed driver age 21 or older who has at least 3 years of driving experience.
  • Certain restricted hours are exempted for specific activities listed on the MVC’s website.
  • The applicant must hold the permit for 6 months.

Probationary License. At age 17, applicants are eligible for a Probationary license. The applicant must fulfill the requirements for the Student Learner’s Permit and pass the road skills test. While holding this license, the following applies:

  • Applicant may not drive between 11pm and 5am.
  • Only one passenger is allowed unless accompanied by a parent or legal guardian.
  • No cell phone use is permitted
  • Basic Driver License To obtain a full driver license, applicants must meet the following requirements:
    • Must be at least 18 years of age
    • Complete the unsupervised driving period (Probationary License phase)
    • Visit a local MVC office to have the license changed to a Basic Driver License.

Driver Licensing Requirements

Vision Exam. To obtain an unrestricted Basic License, the applicant must pass the vision test with a visual acuity of at least 20/50 in at least one eye. Corrective lenses may be worn, and failure of the test results in the applicant’s responding to an eye care physician for an evaluation.

  • Knowledge Test. The knowledge test is fully base on the nj auto insurance and consists of 50 questions. Applicants must achieve an 80 percent to pass, and multiple language options are available.
  • Road Skills Test. A 10 to 15 minute road test is an evaluation of the applicant’s ability to safely maneuver a vehicle. The vehicle, provide by the applicant, must be license, registere and insure, and it must be in proper working order. A few of the skills tested are:-
    • Backing
    • Stopping at appropriate signs
    • Approaching intersections and/or corners
    • Stopping smoothly
    • Correct posture
    • Turning around
    • Parallel parking
    • Steering
    • Yield right-of-wa.
  • Fees. New Jersey drivers are required to pay the following license fees:
    • Student Learner’s Permit, $10.
    • Examination Permit (for drivers beginning the process at age 17), $10
    • Basic Driver License, $24

How much does car insurance cost in New Jersey cities?

Rank City Avg. Annual Premium
1 Newark $2,547
2 East Orange $2,546
3 West New York $2,481
4 Paterson $2,424
5 Elizabeth $2,422
6 Union City $2,402
7 Passaic $2,348
8 Hoboken $2,330
9 Clifton $2,322
10 Kearny $2,312
11 Jersey City $2,299
12 Bayonne $2,229
13 Camden $2,177
14 Linden $2,142
15 Perth Amboy $2,123
16 Fort Lee $2,102
17 Atlantic City $2,065
18 Hackensack $1,960
19 Plainfield $1,937
20 Trenton $1,935
21 Sayreville $1,901
22 New Brunswick $1,894
23 Lakewood $1,837
24 Vineland $1,824
25 Toms River $1,708

NJ Auto Insurance Laws

NJ Auto Insurance Motor Vehicle Commission, nj auto insurance laws require all drivers to present proof of liability insurance when they register their vehicle. New Jersey vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:-

  • $15,000 for bodily injury to or death of one individual or $30,000 for any one accident;
  • $15,000 for personal injury protection; and
  • $5,000 for injury to the property of others in any one accident.

New Jersey DUI Laws

Motor vehicle Such as that United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is require to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. nj auto insurance first DUI offense penalties for New Jersey are:-

  • Up to 30 days imprisonment
  • $250–$400
  • $300–$500 if BAC is equal to or greater than 0.10%
  • 3-month license suspension
  • 7-month to 1-year license suspension if BAC is equal to or greater than 0.10%
  • Possible installation of an ignition interlock device
  • Minimum $525 DWI fee
  • 3 year $1,000 auto insurance surcharge
  • 12 hours at an Intoxicated Driver Resource Center.

Types of Auto Insurance

The different types of auto insurance available in the state of New Jersey are as follows:-

  1. Bodily Injury Liability Insurance
  2. Property Damage Liability Insurance
  3. Uninsured/Underinsured Motorist Bodily Injury Insurance
  4. Uninsured Motorist Property Damage Insurance
  5. Personal Injury Protection.

Required Coverage

The following types of insurance along with the listed minimum coverage are require by state law to drive legally in New Jersey:-

  • Bodily Injury/Death Liability of one person: $15,000
  • Bodily Injury/Death Liability of two person: $30,000
  • Property Damage: $5,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $15,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $30,000
  • Uninsured Motorist Property Damage: $5,000 (limit)
  • Personal Injury Protection: $15,000 (limit)

What To Do In Case Of An Accident or To Make a Claim

  1. Call the police.
  2. Make notes about the location, time and date of accident.
  3. Inform insurance company immediately.
  4. Get information from all vehicles, drivers, witnesses and individuals involved.

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