How To Get Cheap NJ Auto Insurance

1. Pamphile Insurance Brokerage LLC

2. How To Get Cheap NJ Auto Insurance • If you’re looking to save money on auto insurance in New Jersey, there are many ways to go about it! It can be tough to know where to start, but with this guide, you’ll learn all the basics of how NJ auto insurance works and how you can get the best price on auto insurance in New Jersey. Let’s get started!

3. NJ Car Insurance Basics • To start, let’s go over some of the basics of New Jersey auto insurance. In addition to liability insurance, your policy will also include coverage for comprehensive and collision damage as well as medical payments. The state’s minimum auto insurance requirements are 15/30/5 for bodily injury liability, property damage liability, and personal injury protection. Your own car will be covered under comprehensive and collision with a $500 deductible on both. If you opt for a deductible that’s higher than $500, then your premium will be less expensive. Medical payments cover up to $50,000 per person with a maximum of $250,000 per accident for those injured in an accident where you’re at fault. • Comprehensive coverage pays for repairs if your vehicle is damaged by anything other than an accident. Collision covers repair or replacement of vehicles damaged by another object or vehicle striking yours. Both comprehensive and collision usually have deductibles which can vary from one to five percent of each respective limit purchased. Personal Injury Protection pays 80% of what you’d recover if you were to sue anyone who causes an accident; no-fault states require PIP (even though it’s not technically called personal injury protection.) • Remember that these three coverages must be included with every NJ auto insurance policy (and they’re all mandatory except in cases where they don’t apply.) However, there is optional coverage available; most people decide on which ones best suit their situation after reviewing their needs and budgeting accordingly.

4. How Much Will My NJ Car Insurance Cost? • Car insurance companies consider many factors when setting your rate, including your age, gender, location and history of accidents or moving violations. Being a safer driver can mean lower rates for you. If you are involved in an accident—no matter who is at fault—your rates will likely increase. To save money on car insurance, be sure to compare quotes from multiple companies before buying coverage. You can do that right here on our site! • It only takes a few minutes to compare NJ autoinsurance quotes online through Inquiry’s free service. And by entering your information once, you’ll have access to all of our partner agents so you’ll always get fast service and great offers. We work with most major carriers, which allow us to provide multiple quotes in one place with just one application form (our underwriting partners vary). Compare quotes now! What Determines My Car Insurance Rate? • A car insurance quote is based on three factors: your age, your car’s value and how much liability coverage you need. Younger drivers pay more for auto insurance because statistically they’re more likely to be involved in an accident than older drivers. It makes sense that older drivers would pay less because they are less likely to be behind the wheel when an accident occurs, which is another factor determining your rate. How much liability coverage you need depends on whether or not you have assets you want protected in case of a lawsuit, but liability coverage isn’t necessarily related to how much you’ll pay for auto insurance.

5. What Happens If I Get Into An Accident? • The state of New Jersey has strict liability laws, which means whoever caused an accident is responsible for any damage that results from it, regardless of who may have been at fault. If two people run into each other while both trying to make a left turn, they will each receive 50 percent of whatever damages result from their collision — and 100 percent of each other’s injuries. No-fault states allow people who’ve been injured in an accident to choose whether they’d like file a personal injury claim with their own insurance company or let their insurer hire out companies specifically set up for just such situations.

6. Comparing NJ Car Insurance Companies • It can be difficult finding cheap auto insurance in New Jersey because there are many companies that sell policies. Of course, not all of them are worth your time. You want a company that provides quality coverage at an affordable price. Also, you should make sure to shop around for deals and discounts. It’s possible you may qualify for one even if you don’t think so. Once you have decided on which policy is best for you, it is always good to ensure that it comes with enough liability protection too. When buying auto insurance in NJ remember these tips! • What Factors Affect My Rates? There are several factors that affect rates for new customers. You will need to know some basics before shopping around.

7. Contact Us: • Address: 70 East Sunrise Highway Suite 500 Valley Stream, New York 11581 • Email: wpamph@gmail.com • Phone: (516) 323-8558 • Website: https://wpinsurances.com/ • Blog: https://wpinsurances.com/how-to-get-cheap-nj-auto-insurance/