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Finding Full Coverage Companies in New Jersey

If you’re looking for full coverage companies you won’t find any insurance companies that sell only full coverage policies. Rather, there are insurance companies that offer, among other coverage options, “full coverage.” It’s a verbal technicality, but it’s worth pointing out. If you’re seeking a quote for full coverage auto insurance, you’ve come to the right place. The fact that you’re interested in fully protecting yourself and your vehicle is a strong indication that you’re an informed auto insurance consumer.

What is full coverage?

The term full coverage is commonly used in the auto insurance industry, but do you know what encompasses full coverage auto insurance? Depending on the carrier there may be more than one definition of what full coverage is. Without including various policy options and additional coverages, there are generally four main lines that make up full coverage.

  • Liability – The State of New Jersey requires all motorists to carry auto insurance with minimum coverage for bodily injury and property damage liability. The current required liability minimum limits include $15,000 for bodily injury or death to one person (up to $30,000 per accident if multiple people are hurt) which covers you against claims and potential lawsuits from people injured in a car accident that you cause. Also, a limit of $5,000 is required for property damage for which you may be responsible.
  • Comprehensive – Typically, you’ll be covered in the event that there is damage to your vehicle resulting from events such as fire, hail storms, vandalism, theft or striking wildlife with comprehensive coverage.
  • Collision – It is important to note that collision cannot be purchased without also carrying comprehensive coverage. If you’re involved in an accident, collision insurance will usually cover the cost of repairs for YOUR vehicle. You may also be covered in the event that you roll your car while driving. Collision insurance offers a broader line of protection that will generally cover the costs to repair most damage to your vehicle.
  • Uninsured/Underinsured – This coverage will pay for bodily injury or property damage you suffer as a result of another driver causing an accident when that driver either doesn’t have auto insurance or is not carrying limits that are adequate to cover your damages. Uninsured motorist coverage is mandatory in the state of New Jersey.
  • Personal Injury Protection (PIP) – PIP coverage pays for medical treatment for your own injuries and related expenses as a result of an accident. PIP includes coverage for passengers in your vehicle and listed drivers on your policy. The PIP limit you select is how much YOUR policy will pay as a result of you being injured in an accident.

What about towing and rental coverage?

Some people assume that “full coverage” includes some commonly purchased add-on services like towing and rental benefits. This is not a safe assumption. When you are choosing policy coverages to achieve “full coverage,” be sure to ask specifically for towing and rental if you desire those coverages and don’t assume they will be a part of your “full coverage” policy unless you have asked your agent to include them.

How to choose an insurance company

Despite the general mindset that insurance is a generic “commodity,” clearly there are varying coverage needs that are dependent on the individual and the vehicle being covered. Coverage options are important, and so is service. Now that we’ve covered the details of what full coverage is, let’s consider some key elements that characterize a top insurance carrier.

  • Industry Rating – Third party entities rate insurance carriers based on their financial strength and ability to pay claims. Always check the rating of the insurance carrier.
  • Company History – How long a carrier has been in business isn’t necessarily the most important factor in consumer choice. What you’ll want to know is a carrier’s history of paying claims and providing flexible policies to meet the coverage needs of a diverse customer base.
  • Experienced Representatives – Call and speak with a representative and ask questions about coverage and policy options. Make sure you have experience on your side.
  • Exceptional Service – Does the carrier have a dedicated claims department? Are you greeted by a professional, friendly voice when you call in? Is the website user-friendly?
  • Benefits – Quality rewards and benefits offered by insurance carriers such as “Get Home Safe®” and “Crashbusters®” show the commitment to you, the customer.
  • Affinity & Discount Programs – Various discounts and affinity programs such as the “Teachers’ Insurance Plan of NJ,” or membership-based group affinities make a significant difference in determining the amount of premium you’ll pay. Be sure to see what programs and discounts you may qualify for!

Final thoughts on full coverage

Value is important. As a savvy consumer, you understand the importance of full coverage and realize that the thought process that goes into choosing an insurance carrier goes well beyond seeking a promise on paper. Consider Plymouth Rock Assurance to provide you with these key elements of service and quality. Plymouth Rock has been serving New Jersey residents for decades and understands the service commitment you are seeking when choosing a car insurance carrier. Call today to speak with a friendly, knowledgeable representative about full coverage for your vehicle. 

You can also find out more about the benefits of having car insurance and some savings tips so you get the best deal possible on the right coverage for you and your family!

Call 855-993-4470, get your free quote online or find a local agent to see how our company can help you with full coverage. If you need additional information, please visit our Contact Us page.