Car insurance is compulsory in most US states, including New Jersey. The competition between insurance companies in New Jersey is fierce, so you should be able to find cheap insurance deals easily. Cheap does not always mean poor quality. If you search carefully, you should be able to get excellent insurance coverage at a low price.
As a customer, you deserve what every other customer deserves. A professional auto insurance company does not only offer friendly and personal service, but it should also offer you low premium rates and expert advices on choosing the plan that suits your needs.
New Jersey ratified the US constitution on December 18, 1787, and hence became the third state to officially join the United States of America. It is also ranked the 47th largest state, covering 8,729 square miles of land. The state is named after the largest of the English Channel Islands, Jersey. Not only does it have the highest population density in the country (more or less equal to Hong Kong’s population density per square mile), but it is also well-known as a major seaport state with its largest seaport located in Elizabeth. Knowing the fact that New Jersey is a seaport state as well as the largest state in terms of population density can actually help you decide which insurance plan suits you best. In addition to that, you should also know about the potential catastrophes that you may encounter.
If you have a teenage son or daughter who drives, you must understand the Graduated Driver Licensing (GDL) laws of the state of New Jersey. Insurance Institute for Highway Safety Rating for GDL includes regulations such as Minimum Entry Age (Optimal: 16), Extended Learner Period (Optimal: at least 6 months), Parent Certification (Optimal: 30 hours minimal), Night Restriction (Optimal: 9 or 10 p.m), Passenger Restriction (Optimal: only 1 non-family member), and Minimum Exit Age (Optimal: 18).
Most major roadways in New Jersey allow easy travel from north to south. However, since the state does not have many east-west roadways, main arteries in the state such as the Route 22, Route 78, Interstate 95, and Route 522 are more likely to be congested. While annual auto insurance for New Jersey drivers rarely reaches $1,000, reports claim that the state has the highest auto insurance rates in the United States. Therefore, even the cheapest insurance rates you can find in this state can still be considered expensive by national standards.