Cheap Car Insurance Quotes New Jersey

Cheap Car Insurance Quotes New Jersey: cheapest car insurance in NJ for students

Whether you’re new to New Jersey or you’ve lived in the Garden State for a while and are just shopping around for the best car insurance rate, you’ll be glad you checked with GEICO. We’ve got many ways to help you save money and lots of useful information for New Jersey drivers just like you. Take a look at the facts below as you consider the auto insurance coverage that’s right for you. You can start your New Jersey car insurance quote online.

It’s not only wise to have dependable auto insurance in Garden State, where busy city streets and busy highways coexist, but it’s also required by law. Finding reasonably priced insurance in New Jersey, though, can occasionally feel like navigating a maze. However, it is completely possible to find low-cost auto insurance quotes in New Jersey if you have the appropriate tactics and information. Let’s look at some ways to save money and make sure you have enough safety when driving. It’s important to know what kind of coverage you require before starting your search for low-cost auto insurance. Take into account things like your driving style, the brand and model of your car, and any extra coverage options you might need. You can customise your insurance policy to offer sufficient protection without breaking the bank by determining your needs upfront.

Required Auto Coverage in New Jersey: cheapest car insurance in NJ for students

According to the New Jersey Motor Vehicle Commission, all vehicles in NJ must have Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.

Bodily Injury Liability Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident
Property Damage Liability Coverage: Minimum coverage level is $25,000 per accident
Personal Injury Protection (PIP): Minimum coverage level is $15,000
Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident
Uninsured/Underinsured Motorist Property Damage Coverage: The minimum coverage level is $25,000 per accident with a $500 deductible.

How we choose the cheapest companies in New Jersey

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in New Jersey and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in New Jersey. For full coverage, we used the below coverage limits:

$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.

It takes effort and a readiness to consider all of your options to find low-cost auto insurance quotes in New Jersey. You can significantly reduce the cost of your auto insurance by being aware of your coverage requirements, comparing quotes, taking advantage of discounts, thinking about usage-based insurance, keeping up a decent credit score, and routinely reviewing your coverage. You won’t have to break the bank and you’ll be able to drive with confidence knowing you have enough protection.

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