NJ Car Insurance Law

Official State of New Jersey Website Portal

All private passenger cars are required by New Jersey law to maintain minimum NJ automobile liability insurance, N.J.S.A. 39:6A et seq. Personal NJ auto insurance coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan PAIP. Rate Filing Requirement - N.J.A.C. 11:3-16 Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard/Nonstandard Regulation - N.J.A.C. 11:3-19


NJ Insurance

NJ High Risk Drivers

Getting yourself out of the NJ high risk car insurance driver pool category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time. And some factors will fade with time. Most insurance companies rate a driver with no points for three years as a good or preferred risk. But there are a few things you can do to cut high risk auto insurance costs now! Search all the providers in the insurance search zip code box to the left of her.

We found 3 companies that wanted our car insurance business and we chose the best one for us in a few minutes.
Mary V., Jersey City and Cape May.

I never knew that searching for Auto insurance in NJ could be this easy for Jersey Boys!
Joey J. "Nickel Back", Mt. Laurel

Get Car Insurance Quotes 7 to 20 points

You should decide if listing your NJ Group Health Insurance or medical insurance policy as your P.I.P - Personal Injury Protection- primary for medical treatment after an accident.

NJ Insurance Links

New Jersey Car Insurance Consumer Resources Help Online.

New Jersey market competition has lowered rates for over a million drivers. Use our NJ auto insurance quotes database to locate a cheaper policy for yourself today! NJCarInsurance.Net provides cheap car insurance coverage information online from New Jersey's leading car insurance companies. Get help with a General Auto Insurance Policy.  Call Now: 877-548-1502

Search auto insurance companies in NJ available Online for cheap car insurance rates in New Jersey.

Get Cheap Car Insurance NJ Quotes Now! Enter Your Zip Code

Get a free New Jersey car insurance quote from local New Jersey auto insurance companies and agents, compare rates, and save money! Whether or not you carried coverage continuously over the past several years will affect your ability to get cheap NJ car insurance quotes online. That's because the NJ car insurance companies assumption is that you've either been driving without coverage which is illegal, or had your policy cancelled by your previous insurance company. In fact, if you were denied or declined insurance coverage after January 1ST 2009 by 2 NJ car insurance companies you will have to go through the NJPAIP (New Jersey Personal Automobile Insurance Plan). This is also known as the NJ high risk or NJ assigned risk car insurance program. If this is the case go to www.njpaip.org for help and quotes.


NJ Car Insurance Consumer Rate Determination.

Where you live or, more precisely, where you park your vehicle has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Hoboken, NJ pays a higher rate than the owner of an identical vehicle in Cape May, NJ.

Other factors affecting New Jersey car insurance territory rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Auto insurance companies in NJ even factor in the litigation rates in a given area, how many lawsuits are filed, go to trial, are settled out of court, and for how much money.

What Steps can I take to control my Car Insurance Rates in New Jersey

Automotive insurance companies in NJ often discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent. Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind. For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority.

Formal Agreements Not to Drink and Drive. The availability of a discount for signing such an agreement varies among insurers, however is a powerful idea that works.

You may also lower your Car Insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $500 to $750, or even $1,000, will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car.