Auto Insurance
Eligible ages:
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Minimum Age: 16 Years
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Maximum Age: None
At Policy Shopper, we understand that life on the road comes with its fair share of uncertainties. That's why we're here to pair you with the bet comprehensive auto insurance coverage. Our dedicated team is committed to helping you find the perfect insurance plan that suits your needs, ensuring you're protected every step of the way.
Hope for the Best,
Prepare for the Worst
How we find the right coverage for you:
Purchasing auto insurance in New Jersey requires careful consideration to ensure you're adequately protected on the road.
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Understand New Jersey's Minimum Requirements
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Assess Your Coverage Needs
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Compare Quotes from Multiple Providers
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Evaluate Optional Coverage Add-Ons
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Check For Discounts, Savings, Deductible Options, and Payment Options
Minimum Legal Requirements for Auto Insurance in NJ
New Jersey mandates that all drivers carry a minimum level of auto insurance coverage, which includes Liability Insurance, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage
Liability Insurance
This coverage pays for injuries and property damage to others if you are at fault in an accident. In New Jersey, the minimum limits are often referred to as "15/30/5," which means:
$15,000 for bodily injury per person.
$30,000 for bodily injury per accident.
$5,000 for property damage.
Personal Injury Protection (PIP)
Also known as no-fault insurance, PIP covers medical expenses, lost wages, and essential services for you and your passengers, regardless of who is at fault.
Uninsured / Underinsured Motorist Coverage
This coverage protects you if you're involved in an accident with a driver who doesn't have insurance or doesn't have enough coverage to pay for your damages.
Auto Insurance Policies
Wide Range of Optional Coverage Options
In addition to the minimum requirements, there are various optional coverages you can consider:
Comprehensive Coverage
It covers damages to your vehicle caused by events other than accidents, such as theft, vandalism, or natural disasters.
Medical Payments Coverage
This can help cover medical expenses for you and your passengers, even if PIP is not enough.
Rental Car Reimbursement
If your vehicle is in the shop for repairs, this coverage helps with the cost of renting a replacement vehicle.
Gap insurance
If you're financing or leasing a car, gap insurance covers the difference between your car's value and what you owe on it if it's totaled.
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Questions?
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Why Choose Policy Shopper for your Auto Insurance Needs?
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Tailored Coverage
Our experts work closely with you to understand your specific needs and craft a personalized auto insurance plan that provides the coverage you need without unnecessary costs.
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Extensive Network
As a company deeply rooted in New Jersey, we've established strong relationships with leading insurance providers across the state. This extensive network allows us to bring you a wide range of options, ensuring you get competitive quotes and the best deals available.
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Save Your
MoneyWith our in-depth understanding of insurance regulations in New Jersey, we're well-equipped to identify potential savings for you. Whether it's bundling policies, taking advantage of discounts, or adjusting coverage to align with your budget, we're committed to maximizing your savings.
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Expert Guidance
Navigating the world of auto insurance can be complex, with various policy types, coverage limits, and deductibles to consider. Our experienced advisors are here to guide you through the process, explaining all the details in clear and simple terms, so you can make informed decisions.
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Local Presence
Our company is based right here in New Jersey, and we take pride in serving our local community. When you choose Policy Holder, you're supporting a business that understands the unique insurance landscape of the state and cares about your wellbeing.
FAQ
Auto Insurance Questions
? What is auto insurance, and why do I need it?
Auto insurance is a contract between you and an insurance company that helps protect you from financial losses in the event of an accident or theft involving your vehicle. It's required by law in most states to ensure you can cover the costs associated with accidents or damage to your car.
? How does your company help me find the right auto insurance policy?
We work as a middleman or broker to connect you with various insurance providers. By understanding your needs, budget, and preferences, we can compare different policies and help you choose the one that best suits your specific requirements, ensuring you get the coverage you need at a competitive price.
? Is it more expensive to purchase auto insurance through your service compared to going directly to an insurance company?
No, it's not more expensive. In fact, our goal is to help you find the most cost-effective auto insurance policy available. We have access to a wide range of insurance providers and can often secure better rates and discounts than you might find on your own.
? What factors determine the cost of my auto insurance premium?
Several factors influence your auto insurance premium, including your driving history, the type of vehicle you drive, your location, your age, and the level of coverage you choose. By gathering this information, we can help you get an accurate quote tailored to your unique circumstances.
? Can I customize my auto insurance policy to fit my specific needs?
Absolutely. We understand that every driver has unique requirements. We'll work with you to customize your policy by adjusting deductibles, coverage limits, and adding optional coverages like roadside assistance or rental car reimbursement to create a plan that suits you best.
? What should I do if I need to make a claim on my auto insurance policy?
If you're involved in an accident or need to make a claim, we're here to assist you throughout the process. First, contact your insurance provider directly to report the incident. Then, get in touch with us, and we'll help facilitate communication between you and the insurance company to ensure a smooth claims process and resolution.
Talk to our insurance experts
Speak with insurance experts and ask questions before finalizing your plans or if you want help regarding our services. Our dedicated staff is more than happy to call and guide you
