New Jersey Auto Insurance Quotes

Finding the best car insurance is imperative no matter where you live, and New Jersey is no exception to this rule. Whether zipping along the NJ turnpike on your way to one of the many large cities it connects, or just driving around, you’ll find that quick, reliable New Jersey auto insurance online quotes and a little bit of education can help keep your auto insurance costs conveniently low.

Garden State Minimums

New jersey has standard and basic liability insurance plans and accompanying minimum requirements. For the basic plan, best for those with minimal asset value, $10,000 for injury/death costs, and $5,000 for property damage allows drivers to be in compliance with state laws. Standard plan requirements offer more coverage; including a minimum of $15,000 for one person’s bodily injuries in an accident, up to $30,000 for all injuries and $5,000 in property damage coverage. This plan also offers $15,000 uninsured and under-insured motorist coverages and $15,000 for personal injury protection (PIP) coverage. These last two are not required in some states, but getting them can reduce your out-of-pocket costs in case of unexpected accidents!

No Fault NJ

One of only twelve states without a tort system for assigning fault and subsequent financial responsibility, NJ mandates that if you are involved in an accident, your insurance company must cover your expenses. This rule applies even if you caused the accident, and the no fault system cuts down on auto insurance fraud.

NJ compliance

Failure to maintain proper insurance caries cumulative penalties, starting in $300 fines, 1 year license suspension, and community service for first time offenders. Second offense penalties increase, with $500 fines, 14 day jail sentences, community service, and 2 year license suspensions, so be smart and stay out of trouble with low New Jersey auto insurance quotes online.