New Jersey Car Insurance Quote
Every Garden State driver needs to consider state requirements for car insurance before utilizing search tools on quotecarinsurance.com. New Jersey is one of a few states in the United States that has a No Fault legal system whereby insured drivers receive reimbursements from their insurers no matter who is responsible for the accident. State laws in New Jersey dictate several layers of insurance protection for each resident to protect them from financial damages caused by a car accident.
The 15/30/5 formula for minimal insurance coverage in New Jersey gives each motorist some semblance of protection for bodily injury and property damage during accidents. Each insurer on quotecarinsurance.com is well-versed in New Jersey insurance laws which means that the minimal 15/30/5 standard is set when you input your contact information. You can save money on your insurance premiums by purchasing the minimum $15,000 in bodily injury liability per person and $30,000 per accident through quotecarinsurance.com. It is a wise idea to exceed the $5,000 in property damage liability in case you drive through residential areas where accidents typically involve private property.
New Jersey drivers need to balance these minimal requirements with their annual travel budget and their long term financial security. Drivers who cut back on their car insurance may be harmed disproportionately due to the high costs of emergency care and car repairs. The average New Jersey driver needs to think of their insurance premium as an investment in a safety net over their family, their finances and their future well being. Individual drivers paid $1,365 in premiums for car insurance in 2003 which exceeds the national average of $914. If the average driver is already paying this much money for premiums, they need to use quotecarinsurance.com as a gateway to savings.
The efforts of online insurance providers like quotecarinsurance.com have helped decrease the average premium level over the last decade. People shopping for new policies in 2007 and 2008 will see the first decrease in premiums since 1999 with nearly a full percentage point difference from one year to the next. New Jersey drivers need to consider this decrease with the relative increase in prices between 2000 and 2007. Consumers paid $1,146 in 2000 for car insurance premiums which mean an increase of 19.11% for every driver. Every visitor to quotecarinsurance.com needs to take advantage of new decreases in insurance premiums by getting a free quote today.
The new savings on insurance premiums in New Jersey means that every driver can afford to purchase additional coverage like personal injury protection and uninsured motorist coverage. Personal injury protection (PIP) is ideal for people who make long commutes between New Jersey and New York because there is a higher risk for serious accidents during commutes over 30 minutes. PIP as part of your new policy provides reimbursement for surgery needed after accidents that aren't covered by health care. Uninsured and underinsured motorist coverage is not mandated by state laws but keeps you safe from liability when an accident is caused by a driver without insurance that meets minimum requirements.