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New Jersey Auto Insurance Policy Information
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The value of good auto insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have New Jersey auto insurance coverage you can count on. |
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Let one of our experienced New Jersey auto insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Click on the link below to fill out a secure quote request form for a NJ
Auto Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New Jersey Auto Insurance agent specialist at 609-430-4744 to discuss the policy features in more detail. |
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We are a local central NJ insurance agency, offering affordable New Jersey auto insurance
policy premiums and services in the following cities and counties: Skillman, Princeton, Trenton, Slackwoods, Ewingville, Bakersville, Lawrenceville, Stoutsburg, Glenmoore, Mount Rose, Centerville, Rileyville, Mercerville, Hamilton Square, Yardville, White Horse, Groveville, Bordentown, Washington Crossing, Marshalls Corner, East Windsor, South Brunswick, Plainsboro, Linvale, Harbourton, Mount Airy, Blawenburg, Deans, Kendall Park, Harlingen, Dutchtown, Pleasantview, Plainville, Hillsborough, Belle Mead, Flagtown, Franklin Park, Woods Tavern, Three Bridges, Neshanic, Griggstown, Bridgewater, Finderne, Edison, Middlebush, Millstone, Kingston, Rocky Hill, Zion, Reaville, Cloverhill, Stockton, Flemington, Sand Brook, Croton, Somerset, Piscataway, Manville, Somerville, Byram, Middlesex, Washington, New Sharon, Chesterfield, Hamilton, Georgetown, Allentown, Fieldsboro, Hedding, Roebling, Columbus, Jacksonville, Chambers Corner, Wrightstown, Mount Holly, Monmouth, North Brunswick, Stanton Station, Willingboro, Cherry Hill, Princeton Junction, Cranbury, Etra, Robbinsville, Winsor, Edinburg, Dutch Neck, Flemington, Mercer County, Somerset County, Middlesex County, Camden County, Hunterdon County, Morris County, Burlington County, Ocean County, and Monmouth County, NJ. We also offer New Jersey auto insurance services throughout the Garden State, including the Atlantic City, outer Philadelphia, Camden, and Newark, NJ areas. |
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Learn more about New Jersey Auto Insurance
policy coverage options below! |
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Covers damage caused to the owners auto from a collision caused by another auto or other
object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the New Jersey auto insurance policy. |
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Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the New Jersey auto insurance policy. |
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in New Jersey is 15/30 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us at 609-430-4744 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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New Jersey Liability Coverage limits explanation:
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15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in New Jersey is $5,000. |
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Medical payments coverage pays for the medical and funeral expenses for you or others hurt
or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required Auto Insurance coverage in New Jersey. |
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New Jersey does require "No Fault" insurance coverage. This coverage pays medical bills for
injuries suffered in an auto accident regardless of who caused the accident. |
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Benefits Provided Include:
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Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and
rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Pays 60% of gross income loss caused by inability to work because of an injury suffered in an
accident.
$5,000 death benefit
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto liability insurance. This coverage is required for Auto Insurance in New Jersey. Contact us at 609-430-4744 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Example of uninsured motorist limits:
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20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages. |
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Underinsured Motorist Bodily Injury Coverage
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This type of auto insurance coverage pays for your medical expenses, lost wages, and other
damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required auto insurance coverage in New Jersey. |
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Underinsured Motorist Property Damage Coverage
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Protects you if your auto is damaged in an accident caused by a driver who has insufficient
auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in New Jersey. |
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New Jersey Auto Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for an NJ Auto Insurance policy
that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with our New Jersey Auto Insurance agent specialist at 609-430-4744 to discuss the policy features in more detail. |
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**The information, pictures, and other content in this website about particular insurance services
is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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New Jersey Auto Insurance Policy FAQ
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New Jersey Auto Insurance Policy FAQ
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New Jersey Auto Insurance Policy FAQ
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New Jersey Auto Insurance Policy FAQ
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New Jersey Auto Insurance Policy FAQ
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New Jersey Auto Insurance Policy FAQ
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Copyright 2006-2010 Princeton Insurance Agency, Inc. - All rights reserved
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Website Builder & Maintained by InsuranceWebsiteServices.com
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PRINCETON
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INSURANCE AGENCY, INC.
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Princeton Insurance Agency, Inc.
1330 Route 206
Skillman, New Jersey 08558
Somerset County, NJ
(609) 430-4744
Fax: (609) 430-4722
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Auto
Insurance
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"Proudly serving
all of New Jersey"
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New Jersey Auto Insurance
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If you have an older car, you can lower your New Jersey auto insurance premium by reducing or
dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of New Jersey auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you have, and the deductible
you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly New Jersey auto insurance premium.
You should consider setting your deductible at an amount that you are comfortable with.
Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible you've chosen must be paid
before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your New Jersey auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being involved in an accident. Most auto
insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers who have not had a moving
violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your New jersey auto insurance premiums.
Review your driving record prior to shopping for auto insurance. You may want to consider
holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer drivers have fewer accidents,
fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask companies when you are
shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best New Jersey auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening stopping distances on
wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their policy holders will have a car
accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti-locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you have multiple insurance
policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a homeowners insurance policy or
an umbrella insurance policy to go along with your New Jersey auto insurance policy. |
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