What Four Rights Do New Jersey Insurance Shoppers Have?
Drivers shopping for the best New Jersey insurance premiums are guaranteed four rights under the New Jersey state insurance law
. These rights cover quotes, refusal to insure, different options and policy changes. These four rights protect insurance shoppers when they are trying to find cheaper premiums by combining insurance coverages and asking for the list of discounts given to customers.By understanding the rights New Jersey insurance shoppers have, shopping for cheaper automobile insurance becomes easier and safer. When a driver calls an insurance agent for a premium quote, that agent must, by law, provide the requested information within five days giving consumers needed information quickly. If insurance coverage is denied to any driver, that driver must receive a document stating the reason for the denial. Every driver should review this information for accuracy. Each insurance agent will offer a driver three different insurance scenarios allowing the driver to choose the insurance package fitting his or her needs. With the right to change, the coverages and policy at any time consumers can quickly adjust the policy to reflect changes in their situation. Moreover, if the consumers are due a refund because the new coverages are less expensive, that refund should be requested in writing.
Two effective ways to reduce the cost of automobile insurance are to combine insurance policies and ask for the list of discounts each New Jersey insurance provider gives. Any time two separate policies are combined, the driver saves money on both policies. This could be combining a home with an automobile, a car and a truck or a car and a motor boat, RV or motorcycle. An added benefit is that the driver only needs to deal with one insurance company, policy and premium.
All insurance providers offer discounts for certain behaviors or things that reduce their risk. The only way a driver can be sure he or she receives all discounts he or she qualifies for is by reviewing this list. Common discounts offered include safe drivers for drivers without an accident or traffic violation for three years or longer, automobiles protected behind locked gates or in a garage keeping them safe from vandalism, safe driving or defensive driving courses designed to keep driving skills sharp. They also include special safety features like anti lock brakes and passenger air bags reducing accidents and expenses of accidents and anti theft devices designed to disengage the ignition if the car is broken into keeping a thief from stealing the automobile.
New Jersey insurance shoppers have many options to finding the best insurance deal they can. The protections offered by New Jersey state law gives drivers pertinent information quickly allowing them to make better informed choices. Finding cheaper insurance premiums by combining insurance policies and taking advantage of the discounts offered saves money.
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