Auto Insurance Articles
The following auto insurance articles offer tips and information on a variety of New Jersey car insurance related topics including how to shop for a car insurance quote, how to lower your NJ auto insurance rates and young drivers car insurance.
Getting a quote on auto insurance
How to lower auto insurance rates
Car insurance coverage
Car insurance agents
Driving under the influence
Young driver information
Car Safety Information
Car rental insurance
Car maintenance
Driver safety information
Getting a quote on auto insurance
How to Shop for New Jersey Auto Insurance Quotes
The typical auto insurance shopper gets an average of three auto insurance quotes. Taking the time to compare several New Jersey auto insurance companies can help you get the best rate and also learn about the services different New Jersey auto insurance companies offer.
How to lower auto insurance rates
How are New Jersey Car Insurance Rates Determined?
Find out how your driving history, the type of insurance coverage you choose and the type of car you drive determine New Jersey car insurance rates.
NJ Auto Insurance Quotes: How to Lower Your Rate
You can get a lower rate on your NJ auto insurance by asking some simple questions when obtaining quotes. Find out what questions to ask to increase your chances of getting a lower rate on car insurance.
New Jersey Auto Insurance 411: Keep Your Rates Low
Understanding auto insurance requirements is just as important as understanding the rates you are quoted. Learn the 411 on keeping your low car insurance rates.
Filing a Car Insurance Claim and Keeping Your Rates Low
It’s not easy keeping a clear head when you get into an accident. These tips can help in the event of getting into a car accident.
Paying Off a Car Loan: Remember Your New Jersey Car Insurance
Finance companies often require certain car insurance coverages and coverage limits. You may be able to reduce your New Jersey car insurance premiums if you’ve paid off your car loan.
Car insurance coverage
Collision and Comprehensive Coverage: Always Necessary?
New Jersey auto insurance policies are divided into seven standard coverages. Collision coverage and comprehensive coverage are not required by law. Learn about when collision coverage and comprehensive coverage are necessary.
New Jersey Car Insurance Coverage
A New Jersey car insurance policy includes five standard coverages as well as two to four optional coverages depending on the insurance company. Each coverage type offers different choices in the maximum limits of money paid on a claim. When shopping for New Jersey auto insurance, consider which coverage limits make sense for you.
Car insurance agents
When to Buy New Jersey Car Insurance from an Agent
There are a growing number of New Jersey car insurance companies and national carriers that offer "direct" only services as opposed to buying car insurance from an insurance agent. Although direct companies deliver similar auto insurance coverage, there is the human element associated with working with an insurance agent that people often overlook.
Driving under the influence
New Jersey DUI Auto Insurance: Cost of Drunk Driving
The National Highway Traffic Safety Administration (NHTSA) estimates that nationwide in 2006, 17,602 people were killed in alcohol-related crashes -- an average of one almost every half-hour. These deaths represent about 41 percent of total traffic fatalities that year.
How DUI Affects NJ Car Insurance Rates
Being arrested for a DUI in New Jersey is a difficult experience. It can have serious repercussions, especially for your New Jersey car insurance. Learn how even a first time offense will affect what you pay for car insurance.
Young driver information
New Jersey Young Drivers: Driving Tips, Car Insurance and More
Most young drivers in New Jersey have not had the opportunity to get a lot of experience behind the wheel. As a result, young drivers might be more likely to have accidents than older, more experienced drivers.
New Jersey Young Drivers: Earning Your License, Auto Insurance and More
If you are under 21 or have never had a driver license, New Jersey requires that you complete a period of supervised driving before getting a basic driver license. New Jersey has a Graduated Driver License (GDL) program, as outlined on the State of New Jersey Motor Vehicle Commission web site, which introduces driving privileges in phases. Learn about the three options to complete the program.
Car Safety Information
Safe Driving: Avoiding Common Distractors
The National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute (VTTI) released a report which names some of the top “distractors” that have a negative effect on drivers. Learn about some of the distractors that can impact safe driving.
Car rental insurance
Car Rental 101
Many consumers decline the collision damage waiver coverage offered by the rental company because their car insurance policy already includes comprehensive and collision coverage. Learn how the purchase of the rental car company’s collision damage waiver for short-term rentals may provide you with peace of mind while on vacation or business.
Car maintenance
How to Save Money on Gas
Tips to help you to save money on gas including not overfilling your gas tank, removing roof rack from your car and how long is too long to let you car idle.
How to Change & Recycle Car Oil
Learn how to change and recycle your motor oil and oil filter.
Protecting Your Car's Paint
Learn how to protect your car’s paint living and driving in New Jersey.
Driver safety information
Drowsy Driving: A Serious Matter for NJ Drivers
Drowsy driving causes more than 100,000 accidents a year, resulting in 40,000 injuries and 1,550 deaths, according to the National Highway Traffic Safety Administration (NHTSA). Learn more about drowsy driving.
Accident Statistics: Are the Roads Really Safer?
Despite a drop in the accident fatality rate in recent years, motor vehicle crashes are the leading cause of death for people ages 2 to 34 based on 2005 data, according to the National Highway Traffic Safety Administration (NHTSA). Learn more about accident statistics.
For more information on New Jersey car insurance or if you'd like to see other car insurance topics covered here email us at customerservice@highpointins.com or call 1-800-437-5556.
For a quote on a NJ car insurance policy call 1-800-516-9242.