New Jersey Auto Insurance – Where Should You Start?

New Jersey auto insurance not only provides protection from losses for you and your family but it is also required by law in the state of New Jersey. If your vehicle is roadworthy and is driven no matter how frequently or infrequently by licensed drivers then every driver and the vehicle will need to be covered under a New Jersey auto insurance policy. Insurance can be a very tricky business and there are numerous options, advantages and disadvantages to consider. Whether you are purchasing a brand new policy or simply renewing your current policy you will have many decisions to make. This article will give you some tips on where you should start and what actions you will need to take.

  • Understand Your Needs

Your own personal needs will reflect the needs of your coverage plan from For example, do you rent or own your home? How many assets do you need to protect? Do you have any dependents? Does your current health insurance plan cover auto accident related injuries? How much coverage can you realistically afford? Before you do anything you should be able to answer every single one of these questions and more.

  • Understand Your Options

There are a lot of coverage options available to policyholders. Every auto insurance policy will start with basic coverage. In most cases this will purely be liability insurance. Many drivers are of the opinion that this is not enough protection and so will choose to add optional coverage such as comprehensive and collision coverage. It’s worth really researching the coverage options available to you before you make any decisions.

  • Understand Consumer Protection

You have rights as a New Jersey auto insurance consumer. For example, you have the right to equal and fair treatment and you also have the right to get the information you need to make informed decisions. Insurance companies are slippery customers. Their business is all about risk and profit and most of the time you will just be another spreadsheet full of statistics to them. It’s important that you stand your ground and remind them that you are a human being and a customer that has rights and deserves respect. You really need to stay on the ball with these companies, although they will give you all the information you need, it’s really a better idea to do some research yourself. Don’t be a passive observer.


Illinois auto insurance that fits your needs

Every driver is different, so when it comes to coverage, you should be looking for the kind of Illinois auto insurance that fits your specific circumstances.  Those circumstances could include demographics, geography and other factors.

It shouldn’t surprise you to learn that as we age, we become higher risk drivers. Everything slows down with age, including response times behind the wheel. Older drivers are more apt to make careless mistakes and have more accidents than other adult drivers. As a result, their premiums are higher. Some of the cost can be militated by taking a driver education course tailored specifically for seniors. That shows carriers that you are serious about save driving.

Auto insurance for younger drivers

On the other end of the spectrum are the younger drivers, new to the road and very inexperienced. No surprises here, either, when you find out that covering a driver that young is pricey.  Driver education will help, as insurers appreciate that extra training If you are lucky enough to have a good student driving, check out the good student discount. Carriers view good students are more responsible behind the wheel of a vehicle.

When you combine all of your coverage you will often be offered a nice discount.  How much depends on the company, but you should find out if that is a financial incentive that works for you.

How often can you pay? Some drivers find it a burden to pay a lump sum annually and might find it easier to pay monthly. If that sounds like you, find a company that will offer you that choice.

Type car impacts auto insurance

The kind of car you drive makes a difference. Car thieves love Honda Accords and Honda Civics. The theft rate for those models is high and that means coverage is more expensive. A brand new car is cheaper to cover. One reason is that it probably has many modern safety features, lowering the risk of accident or injury on the road.

When it’s time to purchase a new vehicle, it’s smart to specify every possible safety feature you can afford. Some are standard, but among those that aren’t, pick the ones that will fit your needs best. You’ll see your decision in lower premium costs.

It’s smart to take a look at customer review sites online to see how the company is to work with. Consumers do tell it all, the good and the bad, and that is to your benefit.