Shopping online can be both fun and beneficial, but many of us are careful about what it is exactly that we are purchasing. If you’re a car owner in New Jersey and are interested in looking for cheap car insurance online, there are a few things you need to know first.
Did you know that in order to drive legally in the Garden State, you are required to purchase a minimum of liability insurance, covering property damage and bodily injury? It’s true. Although New Jersey car owners are not required to show their proof of insurance at the time of vehicle registration or registration renewal, they are required to show proof of insurance at the time of an automobile accident and keep such proof of insurance in their vehicles at all times.
New Jersey drivers are required to have a minimum of $15,000 in bodily injury liability coverage (for injuries you suffer in a car crash), $30,000 in bodily injury coverage for more than one person, and $5,000 in property damage liability coverage (damage you have caused to someone else’s vehicle) per accident. Policies in the state also provide up to $250,000 in coverage for very severe injuries in an accident, such as brain damage.
Comprehensive coverage, which covers such things as vandalism or damage from bad weather, is optional in the state. Collision coverage, which covers damage to your vehicle caused by another moving car, is also optional. Some drivers opt to obtain either or both of these types of coverage because they can afford it and for the peace of mind provided. For many consumers, peace of mind is an important factor in choosing a policy, thus why when it comes to auto insurance there is no one-size-fits-all policy.
Before choosing a policy online, it’s important to make sure you are getting quotes from reputable websites. At AutoInsuranceWorld.net, we only provide car insurance from trusted and well-established providers. You can start your search for cheap car insurance in New Jersey today by getting your fast free quote at the top of this page!