Cheapest New Jersey Car Insurance - 3 Tips
Cheapest New Jersey Car Insurance - 3 Tips
When you are looking for car insurance, you need to balance two things: making sure you get the right coverage and not spending more than you have to.
Car insurance is one of those things that we all need to buy, but most people avoid taking their time to shop around for the right car insurance deal. Why? Because shopping for car insurance - in New Jersey or anywhere else - is about exciting as watching grass grow.
And yet, you are legally required to buy car insurance in the state of New Jersey. So, it's worth spending the time to get the right coverage at the right price.
Jerseyans Love Their Cars
Driving in New Jersey is always an adventure. The spirited drivers of the Garden State make each day on the road a lot of fun. Of course, you need to stay on your toes in order to make sure you and your passengers arrive safely at your destination.
Jersey boys and girls love their cars. Whether taking a drive down the Garden State parkway (route 444), cruising around in Atlantic City, or just taking in the sites in locals towns, Jerseyans share with all Americans a deep love for the automobile.
Car Ownership in NJ Requires Insurance, But How Much?
Just as with any state in the Union, to drive legally in New Jersey you need to buy a certain minimum level of car insurance. In New Jersey, at the time of this writing, that requirement is for liability insurance at 15/30/5 (more on this below).
Liability insurance is the type of coverage that pays the medical and vehicle damage bills for the other party if you cause an accident.
What 15/30/5 means: this refers to the minimum coverage amounts, in this order: medical bills per accident for one person ($15,000 in NJ), total medical bills per accident ($30,000 in NJ), and property repairs per accident ($5,000).
3 Tips For Finding The Cheapest New Jersey Car Insurance
To find the cheapest New Jersey car insurance, follow these 3 tips:
1. Be careful about just buying the minimum car insurance: If you buy only the minimum-required insurance, you could be leaving yourself open for a civil lawsuit if you cause an accident that causes expensive damage that exceeds $5,000 (which is very likely!).
2. Look into the other types of coverage you need: You should also consider getting collision, medical payments, and uninsured motorist insurance. These will protect you and your party, no matter whose fault it is.
3. Shop around and get quotes from at least 5 car insurance companies: Remember, more quotes means a better chance of getting the lowest-possible rate on cheap car insurance.
Follow these 3 tips to find the cheapest car insurance for New Jersey residents.
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