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|Type of Coverage||
|Bodily Injury Liability
Coverage for claims and lawsuits by people injured as a result of an auto accident you cause
|As low as: $15,000 per person, $30,000 per accident
As high as: $250,000 per person, $500,000 per accident
|Coverage is not included but $10,000 coverage for all persons, per accident, is available as an option|
|Property Damage Liability
Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause
|As low as: $5,000 per accident
As high as: $100,000 or more
|$5,000 per accident|
|Personal Injury Protection
Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy
|As low as: $15,000 per person or accident
As high as: $250,000 or more
Up to $250,000 for certain injuries* regardless of of selected limit
|$15,000 per person, per accident
Up to $250,000 for certain injuries*
|Multiple Car/Other Policies|
|Insuring two or more vehicles on one policy may reduce your premium. Discounts may also apply if you have another policy, such as homeowner’s, renter’s or life insurance, with the same company.|
|Vehicle Safety Features|
|Insurers must offer discounts for vehicles that have anti-lock brakes, air bag and passive restraint systems, and anti-theft vehicle recovery systems.|
|Many insurers offer discounts for young drivers who maintain a 3.0 (“B”) or higher grade point average or for those family members attending school away from home.|
|New Jersey law requires insurers to offer discounts for drivers who have completed a Defensive Driving course (approved by the New Jersey Motor Vehicle Commission).|
Auto Insurance in New Jersey
There are two types of insurance policies that drivers in New Jersey can choose from standard and basic. With a typical policy, you can get coverage for drivers who aren't insured or who don't have enough insurance, but not with a basic policy. Also, depending on the...
What Do I Need When Getting a Quote?
If you currently have insurance, we recommend you have your current Dec Page. The Dec Page has all your current information such as current coverage, pricing, and vehicle details. If you don't have insurance, you need your car information (Make, Model, and VIN), your and all driver information (date of birth and license number), and the type of insurance you need (basic liability, full coverage, higher limits).