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Auto Insurance Buyer's Guide for New Jersey

How to Shop

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Step 1. Understand What Factors Affect Your Rates

Become an informed insurance consumer. New Jersey boasts a strong line-up of insurance companies that compete for your business. Each company takes a slightly different approach to pricing auto insurance, but the basic facts - who you are, where you live and what you drive – are used by all insurance companies. Many companies will ask about previous claims and traffic tickets, annual mileage, and even your education and occupation. The limits and deductibles you choose and safety features of your cars will contribute to your final rate.

The Most Expensive States
for Auto Insurance

1. New Jersey
2. Louisiana
3. New York
4. Florida
5. Massachusetts

Source: Insurance Information Institute

Step 2. Decide How Much to Buy

Choose your coverage with confidence. I f you’re already insured, start by comparing rates for the same coverage you have today. If you recently bought a home, but haven’t increased your policy limits since you were in college, it’s time to think about upping your limits to protect your investment. If you rent an apartment or condo, or simply can’t afford as much coverage as you’d like, minimum limits of liability may be enough for now. But don’t let your coverage lapse, because you can’t pass New Jersey’s mandatory vehicle inspection without proof of auto insurance.

New Jersey Seatbelt Facts

92% of NJ drivers buckle up
$20 fine if unbelted
8 - 17 year old passengers must wear a belt in the back seat
Passengers 18+ must wear a belt in the front seat only

Sources: National Highway Traffic Safety Administration, U.S. Department of Transportation; Insurance Institute for Highway Safety, Property Casualty Insurers Association of America

Step 3. Shop Smart and Save

With some of the highest rates in the country in New Jersey, even a 5 to 10 percent savings is worth the time it takes to compare rates. Many insurance companies change their rates every year, so it’s a good idea to compare your own annually. Insurance.com provides a quick way to check for new rates from top New Jersey auto insurers, each with a wide range of discounts that could save you hundreds – or even thousands on your insurance bill. In fact, our customers report saving an average of over $500 a year.

Get Quotes From These Top New Jersey Companies

Step 4. Learn How Auto Insurance Really Works

We help you navigate your policy, so you can understand your coverage before your buy a new one. Insurance companies will calculate your rate based on the personal information you provide either online or by phone, including your driving record, a credit-based insurance score, and your claims history. To give you an apples-to-apples comparison, we need the details about your cars, your coverage and your drivers.

It’s fast, it’s free and it’s accurate. Once you answer these questions, you get comparison quotes from the NJ companies we represent.  Ready to take the first step towards big savings? 

Compare Rates From Multiple New Jersey Auto Insurance Companies

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