Auto Insurance Quote Forms
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Auto Insurance Information
Insuring our Local Communities in New Jersey and Pennsylvania.
Why is auto insurance important?
In many states, including New Jersey, you must carry a minimum amount of auto liability insurance to remain in compliance with the law. If you have an auto loan or you lease your vehicle, your lienholder may have additional insurance requirements. Without the appropriate types of auto insurance coverage, you may be held personally responsible for damage you cause in an accident.
Additionally, your auto insurance policy may do more than help pay for damages or injuries that may occur if you cause an accident. Depending on the coverage you choose, it may also pay to fix your car if another driver is at fault and doesn’t have enough (or any) insurance coverage. It may also help pay for non-accident damages or losses caused by collisions with objects, theft, weather damage and more.
These are just a few examples of how auto insurance coverage can help protect you financially against losses that you’d otherwise be responsible for paying out of pocket. Your agent can walk you through your auto insurance options to explain how each type of coverage offers protection and help you choose a policy that complies with New Jersey law, meets your needs and fits your budget.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)