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What Every New Jersey Resident Should Know About Car Insurance

The state of New Jersey was the site of three major inventions: the light bulb, the telegraph and the submarine. In addition, to the famous innovations that were created in the Garden State, New Jersey is also known for its lighthouses, white-sand beaches, boardwalk and casino at Atlantic City and most recently, the reality TV show, Jersey Shore. With so much going on in the state of New Jersey, car insurance may be one of the last things that new residents have on their minds. However, it is very important for New Jersey residents to have sufficient auto insurance Edison to Bridgeton and everywhere in between.

Drivers in the Garden state are required to have a certain level of car insurance coverage. New Jersey drivers are required to show proof of insurance to law enforcement officers. The liability coverage required by the state is used by the New Jersey state Division of Motor Vehicles and the NJ law enforcement as proof of financial responsibility for those operating a motor vehicle. The minimum coverage that is mandated by law in the state of New Jersey is 15/30/5. This equation simply means that NJ drivers should have a policy with at least $15,000 coverage for bodily injury, per person with a maximum benefit of $30,000 per accident and at least $5,000 property liability coverage. In addition to the liability coverage and personal injury insurance required for drivers in the state of New Jersey, Garden State drivers are also required to have uninsured motorist coverage, which protects the policyholder if they are involved in an accident with another driver who does not have the state-required coverage.

If you are considering getting insurance Edison, Atlantic City, Jersey City or anywhere else in New Jersey, here are some tips to remember:

*Determine the amount of coverage you will need - The state has set the minimum standard, however, it can be a very smart consumer choice to get additional coverage (beyond the limits set by the state). The insurance company only pays the amount that is outlined in the policy - and the policyholder is responsible for the rest. Consider getting rate quote from different companies to find out the maximum coverage you can afford - to ensure that you, your vehicle and your passengers are fully protected.

*Check your credit rating - Auto insurance companies in New Jersey provide quotes based on ratings tied to an individual's credit score (and driving history). Therefore, in order to keep costs low, it is a good idea to get a credit report each year. If there are any errors on the report, they cannot only count against you for loans and large purchases, but can also affect your insurance bill, as well.

It is important for drivers in the state of New Jersey to be properly covered, not only to meet the requirements of the state law, but also to protect themselves, their loved ones and their assets.

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