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Required Car Insurance Coverage in New Jersey

New Jersey car insurance regulations require you to have the following coverage:
Required Coverage
Liability:
Bodily Injury
Property Damage
Uninsured Motorist Bodily Injury
(Cannot be waived)
Underinsured Motorist Bodily Injury
(Cannot be waived)
PIP (Personal Injury Protection)
(Cannot be waived)
Tort Threshold
 State Minimum Limits

$15,000/$30,000
$5,000
$15,000/$30,000

$5,000

Basic

Required Decision

Added New Jersey Car Insurance Protection
As part of your New Jersey car insurance coverage, you may also want to carry the following:
Medical Payments
Comprehensive
Collision

How Much New Jersey Car Insurance Should You Have
New Jersey Car insurance experts suggest you carry the following limits:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase a New Jersey car insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

Helpful Hints
New Jersey car insurance premiums can be expensive. Here are some quick ways to lower your premimums:
New Jersey car insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your New Jersey car insurance premium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your New Jersey car insurance premiums. The more you’re willing to pay out-of-pocket, the better your premium can be.
  • If the resale value of your car is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your New Jersey car insurance. However, if you do drop this coverage and your car is stolen or you crash it, you would have to pay for repairs or replacement yourself.
  • Be sure to ask about any available New Jersey car insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.
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