Two highway signs on the New Jersey Turnpike.

Why the Cheapest Car Insurance in New Jersey is Not Always the Best

If you plan to drive a car in New Jersey, you need to purchase at least a basic auto insurance policy. State law requires all drivers to purchase a basic limits policy which includes personal injury protection (PIP) and property damage liability coverage before they begin driving in the state. The minimum required policy is relatively inexpensive to purchase but isn't necessarily the best policy for most motorists.

How Cheap Auto Insurance in NJ Effects Your Protection and Coverage

Cheap car insurance in NJ has minimal coverage and does not provide you with the best level of protection needed during all types of incidents. For example, if you are in an accident that causes damage to your vehicle and you are at fault, a simple liability policy will not pay to repair your car. Likewise, the most basic policy may not cover all of your medical bills. Furthermore, if your car is damaged by weather or stolen by a criminal, a basic policy won't pay to replace or repair it.

A Cheap Automobile Insurance Policy Has Higher Deductibles

An automobile insurance policy that is cheap also tends to come with higher deductibles and a lower amount of coverage. This means that, even if an incident is covered by your policy, you will have to pay a large sum of money toward the bills before your it will cover anything. Once coverage does kick in, the policy will pay up to the maximum coverage amount you chose, which may not be enough to cover all of your bills.

Although many drivers are tempted to choose the cheapest insurance policy that meets state standards, this isn't always the wisest decision. By paying just a little more for your auto insurance coverage, you can better protect yourself and your vehicle from potential losses.

Call 855-993-4470, get your free quote online, or find an agent to learn more about why the cheapest auto insurance is not the best in New Jersey. If you need additional information it can be found on our Contact Us page.