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Auto insurance. New Jersey
AIG Agency AutoSM provides automobile insurance for nearly every driver and vehicle. Our car insurance policies come with flexible pay plan options, significant policy discounts, and fast, fair and accurate claims services.
New Jersey Manufacturers
New Jersey Manufacturers Insurance Company and its wholly owned subsidiary,
New Jersey Re-Insurance Company (NJRe), offer several lines of personal insurance, including automobile, homeowners,
flood and umbrella policies to residents of New Jersey and Pennsylvania.
New Jersey Auto Insurance Buyer's Guide
Car insurance is required in New Jersey. Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about what coverage you need and how much you can pay.
The following guide outlines how to make choices that work for you.
UNDERSTAND YOUR NEEDS.
Do you rent or own your own home? Do you have assets to protect (including income from a job)?
Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan.
UNDERSTAND YOUR OPTIONS.
Use this guide to learn about the words and phrases used in auto policies. Know the many coverage options. Review the different benefits of each option.
UNDERSTAND CONSUMER PROTECTIONS.
As a New Jersey auto insurance consumer, you have rights. You have a right to fair and equal treatment, and you have the right to get the information you need to make informed decisions.
Starting in mid-2004, companies and agents must give you three coverage choices, called "Insurance Scenarios" when buying a new policy, or upon your request if you are already insured. You must be told how each choice may affect what you pay and what your benefits would be in the event of an accident.
You can shop for auto insurance at any time - not just when your policy is up for renewal, and if you find a better price, you can cancel your old policy and seek a refund of your unused premium.
You have the right to change your coverages and policy limits atany time, even if you are not near your renewal date. If you select options that save you money, you have a right to a refund of yourunused premium within 60 days.
There are two common types of auto insurance policies in New Jersey. They are referred to as STANDARD and BASIC. Both offer options as well.
STANDARD POLICY - The Standard Policy provides a number of different coverage options and the opportunity to buy additional protection. The Standard Policy is the type of policychosen by most New Jersey drivers.
BASIC POLICY - The Basic Policy usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law.The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job).
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New York Car Insurance
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