Comprehensive Coverage for Every Driver
Get the auto insurance protection you need with competitive rates and exceptional service. We help New Jersey drivers find the right coverage for their lifestyle and budget.
Understanding your auto insurance options is the first step to finding the right coverage. We explain each type and help you choose what's best for your situation.
Protects you if you cause injury or property damage to others
Covers damage to your vehicle in an accident
Protects against theft, vandalism, and weather damage
Covers you if hit by an uninsured or underinsured driver
Covers medical expenses and lost wages regardless of fault
Covers medical expenses for you and your passengers
We help you find all available discounts to reduce your auto insurance premiums while maintaining excellent coverage.
Bundle your auto with home insurance for significant savings
Rewards for maintaining a clean driving record
Discounts for students maintaining good grades
Save when you insure multiple vehicles on the same policy
Complete an approved course for additional savings
Anti-theft devices and safety features can reduce premiums
Understanding these factors helps you make informed decisions about your coverage and potentially lower your premiums.
Your history of accidents, violations, and claims significantly impacts rates
Make, model, year, and safety features of your vehicle affect premiums
Higher coverage limits and lower deductibles increase premiums
Where you live and park your vehicle influences insurance costs
Age and years of driving experience are key rating factors
How much you drive annually affects your risk profile
Get a personalized auto insurance quote and discover how much you can save with our competitive rates and discounts.
New Jersey requires minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. Personal Injury Protection (PIP) is also required unless you opt out in writing.
You can lower premiums by maintaining a clean driving record, bundling policies, choosing higher deductibles, taking defensive driving courses, and asking about available discounts.
First, ensure everyone is safe and call 911 if needed. Exchange information with other drivers, document the scene, and contact your insurance company immediately to report the claim.
While not required by law, collision and comprehensive coverage are typically required by lenders if you have a car loan or lease. Even for owned vehicles, these coverages provide valuable protection.