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Getting Cheap Car Insurance in New Jersey (NJ)

Getting cheap car insurance in New Jersey can be complicated not just because of sets of auto insurance policies they implement but also because it is one of the wealthiest states in the United States. But if you know where to look and what to look for, getting cheap car insurance in New Jersey should be easier.

The Auto Insurance Regulations and Cheap Car Insurance in New Jersey

Before getting cheap car insurance in New Jersey, you should know that the state is governed by the Choice No-Fault System, in which the driver can choose either no-fault insurance or the ort system. There is mandatory minimum coverage for insurance of drivers in New Jersey. First, the Bodily Injury Liability Insurance or BIL requires $15,000 per person in an accident and $30,000 per accident. A minimum of $5000 is required for Property Damage Liability (PDL) insurance. The law also requires a minimum uninsured motorist BIL of $15,000 per person and $30,000 for all parties in an accident, and the required minimum uninsured motorist PDL coverage is $5000.

New Jersey law also requires drivers to purchase Personal Protection Injury or PIP with a minimum of $15,000 and a limit of $250,000. With numerous minimum requirements, how can a driver avail of cheap car insurance in New Jersey?

Average versus Cheap Car Insurance in New Jersey

Now that you know the minimum required car insurance coverage for different areas, it will also help to know how New Jersey compares with other states before getting cheap car insurance in New Jersey. Compared to the rest of the country, the rates of auto insurance in New Jersey is higher. The annual average rate in New Jersey is $2400 compared with the nationwide annual rate of $1440. Because of this, most drivers strive to achieve cheap car insurance in New Jersey. Aside from legal system for dealing with car accidents, one more reason why cheap car insurance in New Jersey might seem impossible is the risk for car accidents, as more accidents have been happening in New Jersey more accidents mean higher premiums and higher rates. It is therefore important that the driver work with the car insurance company to maximize their available discounts and to adjust the insurance policy according to their needs and for them to avail cheap car insurance in New Jersey.

Comparing Quotes for a Cheap Car Insurance in New Jersey

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