New Jersey Auto Insurance 411: Keep Your Rates Low
If you’re looking to purchase a New Jersey auto insurance policy, be aware of the New Jersey auto insurance requirements and required documents below. Remember, you’ll probably find different rates with several auto insurance companies, so be sure you know what coverage you need before you begin shopping. Understanding auto insurance requirements is just as important as understanding the rates you are quoted. You’ll also find a difference in rates based on level of coverage and varying rates based on if you’ve had any violations on your driving record. Remember, staying violation-free is one of several ways to keep your auto insurance rates low.
All vehicles registered in New Jersey that have Standard coverage require three types of mandatory insurance:
- Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses.
- Personal injury protection (PIP) pays medical expenses if you or other persons covered under your auto insurance policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault.
- Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper auto insurance coverage.
All drivers should also be aware of how to manage their New Jersey Insurance Identification Card. Your auto insurance company must give you a card for each vehicle under your auto insurance policy. Failure to present the card may result in fines. Plus, driving a vehicle in New Jersey without auto insurance may result in fines, community service, license suspension and insurance surcharges. In addition to your insurance card, you’ll need to keep handy your registration card and driver license, which are issued by the State of New Jersey Motor Vehicle Commission.
All vehicles, new and used, must be registered before operating in New Jersey. You must present your cards:
- Before an inspection
- When involved in an accident
- When stopped for a traffic violation
- When you are stopped in a spot check by a police officer
If you are shopping for a New Jersey auto insurance policy with low rates, call High Point Auto Insurance at 877-89-Point (877-897-6468) for a free quote.