Personal Auto Insurance in NJ


Why choose an Independent Broker?

Having auto insurance through an independent insurance broker can offer several advantages compared to purchasing insurance directly from a single insurance company. Independent brokers have access to insurance products from multiple insurance companies, allowing them to compare coverage options and prices to find the best policy for each individual's unique needs and budget. Additionally, independent brokers can provide personalized advice and guidance every step of the way, helping you understand the coverage you need and ensuring that you are not over or under insured. They can also help you navigate the claims process, working on your behalf to resolve any issues and ensure you receive fair compensation. Having an independent broker represent you can provide peace of mind knowing that you have an advocate working for you, helping to protect your assets and financial future.

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Man Breaking into a car by smashing the glass. I hope they have auto insurance

What is personal auto insurance?

Personal auto insurance is an insurance policy for your vehicle. This type of insurance is required for any household member that will be operating a vehicle owned by the insured. Unlike commercial auto insurance, personal auto insurance provides coverage solely for vehicles not used in any business operations or activities.

What does personal auto insurance cover?

Personal auto insurance will cover you for any collisions and comprehensive damage that occurs. Additionally, this kind of auto policy will provide liability and property damage coverage up to your policy’s limit. Most states require a minimum of $15,000 in coverage, but much higher coverage limits can be selected. Medical expenses, funeral benefits, and rental reimbursement coverage are among other aspects of a personal auto insurance policy.

Thief Stealing a car

How much does personal auto insurance cost?

Personal auto insurance premiums can range greatly depending on the number of vehicles & drivers, coverage options, and driving records. For example, a driver with an accident(s) will be paying a greater premium than a driver with none. Overall, personal auto insurance policies can range from $800 to $5,000+ annually.

Thankfully, many discounts and driving programs are available through insurers to provide savings.

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