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Car insurance quotes njTwo choices drivers have when buying insurance in NewJersey:Basic Policy - includes $10,000 coverage for injury/deathand $5,000 for damage of property.Standard Policy - includes Bodily Injury Liabilty of $15,000per person, $30,000 per accident, Property DamageLiability of $5,000, covers uninsured and underinsureddriver for $15,000 and $15,000 for personal protection.Auto Insurance Quote NJ - Liability Coverage to ConsiderIf a new vehicle costs about $28,000, a multiple carcollision may result in injuries and damages that couldexceed $100,000. Clearly, NJ minimums are inadequate.Recommended basic minimums:$100,000 physical injury for every person
$300,000 physical injury for every accident$100,000 damage of property$300,000 uninsured or underinsured driver$250,000 personal injury coverageAuto Insurance Quote NJ - Optional Coverage to ConsiderWhat about the damages to your vehicle? Consider these optional coverage.•Collision - Pays for damage to your vehicle.•Comprehensive - Pays for losses to an insured car due to fire, theft, or other losses that are notthe result of a collision.•Gap insurance - Covers the difference between what the car is worth and what you owe on thecar. It provides valuable protection during the early years of your cars life if you have a loan or alease.•Vehicle rental - If your vehicle is inoperable because of accident, it pays for rental vehicle.•Towing insurance - Covers the towing services for your car if immobilized. No need to get this, ifyour auto club or credit card provides it.
Auto Insurance Quote NJ - Confirm Financial ResponsibilityIn New Jersey, your car insurance company must compensate for any damages brought about bythe accident involving your vehicle no matter who caused the accident.Auto Insurance Quote NJ - Dont Drive Without InsuranceWhen driving always take your insurance card. Otherwise, you will be penalized if cannot showproof of insurance.First offense - You lose your license for a year, pay $300 in fine and community service.Second offense - You lose your license for two years, pay $500 in fine, 30 days community serviceand jail sentence of 14 days.Auto Insurance Quote NJ - Analyze and SaveCompare three to five quotes and see which one is best compared to your current policy. You mayuse Quote Wizard and 2Insure4Less for online inquiries. Fill up their online form and they will email4-5 quotes to you. Drop the two pricey ones and compare the remaining quotes and your currentpolicy.Auto Insurance Quote NJ - Important Questions
Review following questions on availing discounts.* Should you increase your deductible to $500 or $1,000?* Is it reasonable to lessen the personal injury coverage of your policy if it is covered by your healthinsurance?* Are you qualified for long-term discount?* Does the company offer discount if...- you have no accident record in more than three years?- you have no ticket violation for the past three years?- you took up a driving course?- you took up a course on defensive driving?- your car has safety devices?- you ensure multiple cars?
- you purchase auto insurance and other types of insurance from that company?- daytime running lights were mandatory?* Do you qualify for low mileage discount if the vehicle is seldom used?* Airbags discount?* Any member of the family who goes to college and resides away from home?Call the insurance company to inquire of any discount not listed on the quotes. Do not hesitate toask suggestions regarding additional discounts.If you use your list wisely, you can make a wise and informed decision. Good work!Article Source: http://EzineArticles.com/3672393>>>Get Free Quotes Now <<<