New Jersey Auto Insurance

Comparing quotes from different insurance companies is the best place to start when shopping for car insurance. Factors such as your driving behavior, the vehicle’s age, make, and model can also determine how much you can expect to pay or save. Thinking of switching your car insurance to Plymouth Rock? Get a free quote online.

There are a few things you can do to lower your car insurance premium.  

• Enroll in a telematics or usage-based program - Some car insurance providers offer discounts for safe driving behaviors when tracked through an app or plug-in device. 

• Bundle your policies - Combining car insurance with home, renters, or condo insurance typically provides a multi-policy discount. 

• Increase your deductible - Selecting a higher deductible can significantly reduce your premium. Just be sure  you’re comfortable paying a higher amount in the event of a claim. 

• Review and update your policy annually - Small changes like driving fewer miles, removing outdated drivers, or adjusting coverage for an older vehicle can reduce your premium and keep your policy aligned with your driving needs. 

Under the law in the state of New Jersey, all drivers are required to have liability insurance. This means a standard auto policy in New Jersey is required to have four lines of coverage: Personal Injury Protection (PIP), bodily injury liability (BI) coverage, uninsured/underinsured motorist (UM/UIM) coverage, and coverage for damage to someone else’s property (PD).

Collision coverage is optional in New Jersey, not a requirement. It can help you pay for physical damages to your car if you’re involved in a covered accident.