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All registered private passenger autos are mandated by NJ State law to maintain NJ auto liability insurance, N.J.S.A. 39:6A et seq. Personal New Jersey auto insurance coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Plan. Rate Filing Requirement - N.J.A.C. 11:3-16 Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard -Nonstandard Regulation - N.J.A.C. 11:3-19 Underwriting Guidelines - N.J.A.C. 11:3-35
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Getting yourself out of the NJ high risk car insurance plan category may take a little time. You may need to consider the following, cleaning up a bad driving record information and paying your bills on time such as mortgage payments, utility bills or personal loans. Some of these negative factors will fade as time passes. Every year without any moving violation gives you a safe driver credit on your motor vehicle drivers report. Other points charged will drop off 3 years from the posting date on your NJ drivers abstract. Most smart insurance companies rate a driver with no points for three years as a good or preferred risk. But there are a few things you can do to cut high risk auto insurance costs now!
Let our professionals easily help you shop smart for high risk auto insurance, and when your ready, we will help you start your policy. Call for free no obligation help now at (856) 270-2581
You should decide if naming your NJ Group Health Insurance as your P.I.P primary for medical treatment after an accident is an option. We will discuss this easy money saving method with you.
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Car Insurance Glossary of Terms.
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To obtain the best car insurance rates in New Jersey you need 3 or more years continuous coverage and a fairly clean driving history.
Personal Injury Protection (PIP): Minimum coverage level is $15,000.
Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident.
Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible.
Whether or not you carried coverage continuously over the past several years will affect your ability to save money with the lowest rate possible. That's because the insurance companies assume that you've either been driving without coverage which is really bad, or had your policy canceled by your previous insurance company. In fact, if you were canceled for not paying your premium that was expected by your company you may have to go through the NJPAIP (New Jersey Personal Automobile Insurance Plan). This is also known as the NJ high risk auto or NJ assigned risk car insurance program. If this is the case and or you have been declined or denied coverage elsewhere call auto insurance offices for easy phone help and quotes.
Where you live in, or more precisely, where you keep your car at night has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a driver insuring an automobile in Jersey City, NJ will easily pay a higher rate than the driver of an identical auto in Cherry Hill, NJ.
Other factors affecting rates include time and efficiency of police response, local road and traffic conditions and the quality of local medical services. Auto insurance companies in NJ even factor in the lawsuit rates in a given area like how many are filed, go to trial, are settled out of court and for how much money. Easily use NJCarinsurance.Org to help you find and compare the best car insurance rates with the best insurance companies in NJ.
Own a vehicle with safety features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts.
Take defensive a driving education course for teenagers and defensive driving or accident prevention courses for adults. New drivers are required to take a course in some states.
Own a vehicle with a security system, alarms, electronic locks, VIN etching and automotive disabling devices all help.
Could you change your driving habits by commuting with public transit, using a company vehicle for work-related travel and or by carpooling?
Enter into smart formal agreements not to drink and drive. The availability of a discount for signing such an agreement varies among insurers, however is a powerful idea that works.
You may also lower your Car Insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $500 to $750, or even $1,000, will bring your rates down. Actually, you may not need collision and comprehensive coverage if you drive an older car.
You can shop for cheaper auto insurance at any time - not just when your policy is up for renewal. If you find a better price, you can cancel your old policy and seek a refund of your unused premium. However, never cancel your old policy until a new one is in effect. A lapse in coverage will result in higher rates in the future. You have the right to change your coverage's and policy limits at any time, even if you are not near your renewal date. If you select lower policy limits or cancel non-mandatory coverage's to save money, you have a right to a refund of your unused premium within 60 days. Read More Here
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