Thursday, January 27, 2011

New Jersey Car Insurance

If you are shopping for local auto insurance in New Jersey, you are at the right place. offers over a dozen strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. You can purchase a policy through Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.

Basic Policy
Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.

The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.

Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

When you get a quote at, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated,'s insurance agents are licensed in New Jersey and available to help you all the way through the quote and purchase process.

The average auto insurance premium for residents in New Jersey is $2,478 in 2010; the national average is $1,538. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. helps you find the competitive rates and discounted prices available in New Jersey, so average New Jerseyites can get a better-than-average rate on their auto insurance.

2010 has had a decrease in auto insurance rates. It is important to shop for car insurance so you get the best available rate! brings competition directly to the consumer and we work to lower your costs through technology.

Even within the state of New Jersey, rates have changed over the past few years. Comparing the current average car insurance rates, the average auto insurance premium in New Jersey is 1% lower in 2010 than 2009. 2009 was 13% higher than 2008 in New Jersey. Now is the perfect time to shop for new low rates on your auto insurance, by requesting a quote online you could save hundreds instantly!

Source : Car

Monday, January 10, 2011

Free Auto Insurance Online Price Quotes

Owning a car is both a blessing and a curse. Car insurance is not cheap, especially if you live in a large city or drive a certain model of car. However, with the increase in functionalities of the internet, you can now find rates for cheap auto insurance in NYC, or cheap Audi insurance, and get car insurance price quotes, fast! Why pay more than you have to?

Fact: Chances are, there is a cheaper alternative out there than what you are currently paying in insurance.

When you get a new car, free insurance online quotes are a nice and convenient way to find car insurance price quotes and find a plan that fits your needs and your budget. Your car insurance company is not going to tell you that you can find the same coverage, elsewhere, cheaper, nor are they going to tell you that there are certain things that could qualify you for a reduction in insurance premium, which means that you continue to pay higher prices than are necessary.

Basically, the mentality is, if you don't ask for the reductions, and if you choose not to shop around, well, it is your loss and your car insurance company's gain. So many people continue to pay inflated car insurance rates, year after year, when there is a good chance they are being overcharged and could find much more reasonably priced choices.

Fact: Car insurance price quotes online is a great way to compare companies and find the least expensive policy that provides all the coverage you need at a price you can afford.

When you have a car, free insurance online quote are a convenient way to ensure that you are getting the best coverage for the best price. And when we live in large, expensive cities, the ability to find cheap auto insurance in NYC is a great money saving solution. Or if we like sports cars, being able find cheap Audi insurance, online, has never been simpler.

To find out how much your rate has changed, Click Here!

100% Free Search for Cheaper Auto coverage. Just put in your car details to discover if you are overpaying.

There is no charge and a quick 30 second search could save you more money each month. Free Insurance Quote

There is no reason to overpay for the EXACT same coverage!

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