How To Buy Car Insurance In New Jersey
It’s easy to let the car insurance buying process overwhelm you, especially if it’s your first time purchasing coverage. However, a platform like Insuranceopedia can simplify the shopping experience.
Here are a few steps to take while looking for your New Jersey car insurance policy.
Step 1: Gather Information
One of the reasons many shoppers feel stressed when buying car insurance is the fear of not knowing what information is required to get a quote. Gathering the appropriate information before comparing options can help eliminate the stress and prepare you for the following steps.
Below is a list of the most common types of information you’ll need to purchase your auto insurance:
- Driving history for all drivers on the plan
- Information about your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
- Driver’s license numbers for all policy members
- Name and birthdate of all policy members
- Information on the current insurer, if you’re switching carriers
Step 2: Understand Your Coverage Needs
As you compare different car insurance plans, you’ll notice that each has its coverage limits. While you’ll want to pick the plan that makes the most sense for you and your family, you’ll also want to ensure it meets the following New Jersey state minimum limits:
- $25,000 in bodily injury liability per person and $50,000 per accident
- $25,000 in property damage liability per accident
- $15,000 in personal injury protection per person
- Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage
Step 3: Select A Purchasing Method
New Jersey has several ways to shop for a car insurance policy. The most popular way to purchase coverage is online through an insurance platform. However, several car insurance companies allow you to meet with an agent and discuss your quotes.
Both options offer their benefits. For example, working with a licensed agent allows you to ask questions and get immediate answers. While shopping online tends to be quicker, with many potential policy members finding coverage within minutes.
Step 4: Compare Auto Insurance Policies
Many consumers often select the first quote presented to them instead of comparing multiple offers. While the first option might be the best, collecting at least three quotes from different insurance providers is recommended to ensure you’re getting the best rates and discounts.
Step 5: Purchase Your New Auto Insurance Policy
When purchasing your car insurance plan, closing the loop on any outstanding insurance policies is essential. If you’re switching companies, you’ll want to call the previous insurance provider and let them know of your move so that you don’t get billed by both organizations.