Selecting the right auto insurance New Jersey residents need is crucial given that the rates in this state are nearly more than $1000 more per year than the overall national average. In fact, the rates in Newark alone are more than double than the national average rate. Not only should one find the best coverage for his or her needs, he or she should also find out which companies are most likely to have the best discount or rewards programs compatible with his or her situation and needs.
One should start building a policy from the state minimum requirements. Both the basic and standard packages include the $250,000 personal injury protection limit in the case of permanent or significant injury. However, the basic policy is only the property damage liability of at least $5000 and the personal injury protection limit of $15,000. The standard policy also includes the uninsured and under-insured motorist bodily injury coverage of at least $15,000 with a $30,000 limit and the uninsured motorist property damage coverage of $5000 along with the bodily injury liability protection of at least $15,000 with a $30,000 limit.
Even this coverage may not be quite enough for the full protection auto insurance New Jersey residents need. While these policies can cover some medical expenses as well as repair or replacement costs for vehicles after an accident, they may not cover other types of incidents such as a tree branch falling on a window or a baseball hitting a windshield. Furthermore, these policies may not cover cases of theft and vandalism. One may have to look into other kinds of policies like comprehensive and collision to be sure he or she is fully covered.
With all this necessary coverage, one will have to look for ways to pay lower rates on insurance. One can start with looking at the particular make and model of vehicle he or she drives. One should stay away from vehicles such as the 2000 Honda Civic, 1994 Honda Accord and 1999 Dodge Caravan because these are the three cars most likely to be stolen in New Jersey. However, cars with good anti-theft and safety measures can help get some rates lowered.
There are many ways to get lower rates on the auto insurance New Jersey residents need. Keeping a good clean driving record and finding a company that offers defensive driving courses can also help one find lower premiums. If the prospect of wading through a mountain of quotes seems daunting, one can also find an agent or broker to help through the process. Not only will he or she narrow the factors most important for individual insurance needs, but one will also find the companies most willing to accommodate those needs.
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