Affordable Full Coverage vs. Risky Minimums
Protect your financial future with insurance that actually covers you when you need it
See how state minimum coverage leaves you exposed to financial disaster
New Jersey's minimum coverage requirements haven't kept pace with medical costs and vehicle values. What seemed like savings becomes a financial nightmare after an accident.
Coverage Type | Direct Auto Typical | Midland Recommends | Why It Matters |
---|---|---|---|
Bodily Injury (per person) | $15,000 | $100,000 | Medical bills exceed $15k quickly |
Bodily Injury (per accident) | $30,000 | $300,000 | Multi-person accidents devastate finances |
Property Damage | $5,000 | $100,000 | Average car worth $30,000+ |
Uninsured Motorist | Often Declined | Match BI Limits | 15% of NJ drivers uninsured |
Comprehensive/Collision | Usually Skipped | Include with $500 deductible | Protects your own vehicle |
Medical Payments | Minimum Only | $5,000+ | Covers you regardless of fault |
Quality protection doesn't have to break the bank
35 years old • 2018 Honda Accord
Only $35 more for 20x the protection
24 years old • 2016 Toyota Camry
Just $42 more prevents bankruptcy
Two drivers, 40 & 42 • 2020 SUV + 2019 Sedan
$67 more protects entire family assets
Flexible monthly payments to fit your budget
Coverage that actually protects your assets
Expert guidance to maximize your coverage
Don't risk everything to save a few dollars a month
Direct Auto's low prices are for state minimum coverage that barely protects you. We shop multiple carriers to find full coverage at competitive rates. Often, the difference is only $30-50 per month—a small price to avoid potential bankruptcy from an accident.
You become personally liable for all damages above your coverage limits. With NJ's $5,000 property damage minimum, hitting a $50,000 car means you owe $45,000. This can lead to lawsuits, wage garnishment, and asset seizure. Full coverage prevents this nightmare.
While possible, this is risky. Accidents don't wait for convenient timing. Plus, if you have an accident with minimum coverage, getting affordable full coverage becomes much harder. It's better to start with proper protection.
Yes! We understand budget concerns and offer flexible payment plans through our carriers. Many offer low or no down payment options. The key is getting you protected while keeping payments manageable.
Direct Auto saves you money by selling you less—often dangerously less—coverage. We save you money by finding the best rates for real protection. Our clients sleep better knowing they're actually covered, not just legally compliant.
Get the protection you need at a price you can afford