5 Tips To Buy Instantly: Car Insurance In New Jersey
5 Tips To Buy Instantly: Car Insurance In New Jersey
When you need car insurance in a hurry, you want to buy it instantly and be on your way. After all, insurance is one of those pains that nobody really enjoys forking over cash to purchase.
Still, we all know that buying insurance is a necessity that we cannot ignore. Not only is it required by New Jersey law to buy insurance, but it is just plain smart to buy it. While it is never any fun to make the monthly payments, if you should ever get into an accident you will be more than glad you bought it.
Minimum New Jersey State Insurance Requirements
Like every state, New Jersey has a set of minimum insurance requirements for drivers. This is in the form of liability coverage, which is the type of coverage that pays for the other driver's medical and property damage expenses should you cause an accident that is proven to be your fault.
Be sure to check the State of New Jersey's department of motor vehicles website for the latest minimum coverage amounts. However, as of the time of this writing, the minimum liability coverage amounts for the state were 15/30/5. This means: $15,000/person in medical coverage, $30,000/accident (maximum) in medical coverage, and $5,000 in property damage coverage.
Note that is not always wise to only buy the minimum amount. This is especially true if you have a high net worth. Reason: you could easily be sued by the other party if you cause an accident that causes more damage than your coverage allows for. Better to be safe than sorry.
Shop Wisely Online With These 5 Tips
If you are looking to buy instantly car insurance in New Jersey, there are 5 tips that can help you get the best deal:
1. Write down the coverage you need: Make a list of the types of coverage (liability, collision, medical payments, uninsured motorist, etc.) that you believe you need, along with the minimum coverage amounts.
2. Make a list of 5 online insurance providers in New Jersey: Do some online research and make a list of at least 5 insurance providers for New Jersey.
3. Call and talk to one of them: Contact the first provider on your list and get a quote. During the call, they may convince you that you need additional coverage.
4. Adjust your coverage needs list after your first call: Now, since you want apples-to-apples quotes from all companies you contact, make sure to write down the new coverage amounts you need.
5. Call the remaining 4 insurance providers to compare quotes: Give the remaining insurers on your list a call. Obviously, you will want to select the best quote.
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