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To get your best rate you need to have constant coverage, without a lapse. Whether or not you carried coverage continuously over the past several years will affect your ability to get cheap car insurance quotes in New Jersey. That's because the auto 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 coverage after January 1ST 2010 by 2 NJ car insurance companies you may have to go through the NJ PAIP (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 http://www.njpaip.org/ for help and quotes.

Car Insurance Quotes in NJ compare low cost low down payment online NJ Car Insurance Companies.