Finding reasonably priced insurance in New Jersey can be a tough prospect. The price for life insurance, homeowners, and renter’s coverage can be outrageous, so it’s vital that you learn all you can about insurance coverage and the insurance industry before you jump in and start getting quotes.
Of course, like all states, New Jersey has minimum coverage requirements for all drivers. The insurance companies that you deal with will have all of the information about the required limitations for New Jersey. Before you start checking with insurance companies, you should take the time to familiarize yourself with the various exclusions in New Jersey, as well. If you know the various parts of an insurance policy that can affect your premiums, it’s easy to keep your premiums under control.
When you begin your search, it’s vital that you check with as many insurance companies as possible. You’ll find that there are often differences of several hundred dollars per year between different insurance companies. Once you find the best price, double check that the company that you’re looking at has exclusions and limitations that you can live with. You don’t want a company that excludes activities in which you regularly engage. Being an informed consumer can not only save you money, but it will show the insurance company that you’re taking an interest in keeping your own premiums under control.
New Jersey Insurance Resources
- There are many resources that can help you be as informed as possible. The New Jersey Department of Banking and Finance Division of Insurance is the regulatory body that controls the insurance industry within New Jersey. They are tasked with enforcing insurance law within New Jersey, and will answer any questions that you may have regarding insurance policies. You can visit their website at http://www.state.nj.us/dobi/division_insurance/index.htm
- The agency responsible for keeping and dispersing driving records to insurance companies is the New Jersey Department of Motor Vehicles. For New Jersey motor vehicle information, go to http://www.state.nj.us/nj/trans/mvs/index.html
- If you’re looking for health insurance, you can get information on the different plans available for purchase by visiting http://www.state.nj.us/health/aids/keepins.htm. The health insurance information that’s available from that website can help you learn what you need to know to negotiate the best purchase price available.
- You can get information on New Jersey auto insurance by getting the New Jersey Auto Insurance Buyer’s Guide. If you want to get a brochure, you can visit their website to request a copy by visiting http://www.state.nj.us/dobi/acrobat/autoguide02.pdf
Get Fast, Free New Jersey Insurance Quotes
If trying to find a quality insurance policy is causing you headaches, InsuranceUSA.com can help you find the coverage you need at the price you want. Residents of New Jersey can log onto InsuranceUSA.com and find their best match for health, life, renters, and homeowners insurance.