The minimum Basic Policy includes: no coverage for bodily injury but an optional limit of $10,000 is available, property damage coverage of $5,000 and personal injury protection (PIP) coverage of $15,000 per person and $250,000 for permanent/significant injury as defined within the policy. The minimum Standard Policy includes: $15,000 for bodily injury, $30,000 per accident, $5,000 for property damage, $250,000 for personal injury protection (PIP) and uninsured motorist coverage of $15,000 per person, $30,000 per accident and $5,000 for property damage coverage. To get cheap New Jersey car insurance, request one of these minimum policies and you will get the company’s lowest possible rate. However, consult with an insurance agent before making your coverage choices as these minimum policies may not offer a sufficient level of coverage for your situation.
Getting affordable New Jersey auto insurance can be difficult as the state has a reputation of consistently being among the leaders of automobile insurance rates in the country. You simply have to be willing to shop around. Find an agent in our Multi Line Insurance Agent’s Directory and request a free automobile insurance quote for New Jersey for your vehicle to get the ball rolling. You will find that these agents represent some of the top insurers doing business here and they specialize in discount New Jersey car insurance. Most also offer other types of insurance such as homeowners, renters, property, condo, boat, motorcycle, life and health insurance as well. Have the agent quote all of your insurance policies to take advantage of the multi policy discounts that most companies offer on each additional policy purchased.