New Jersey Auto Insurance
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have New Jersey auto insurance coverage you can
count on.
Let one of our experienced New Jersey auto insurance
policy specialists explain the different Liability limits,
Comprehensive, Collision, Personal Injury Protection,
Uninsured Motorist, Medical coverages, and deductibles
that are available for you to choose from. We offer
affordable truck and car insurance policies from a
leader in the insurance industry.
Learn more about New Jersey Auto Insurance
policy coverage options below!
Click on the link below to fill out a secure quote request
form for a Auto Insurance policy that will provide
excellent car insurance coverage at an affordable cost.
Or you can speak with our New Jersey Auto Insurance
agent specialist at 201-796-6303 to discuss the policy
features in more detail.
Covers damage caused to the owners auto from a collision caused by another auto or
other object. The deductible is the amount you choose to pay upfront (if any) before the
auto insurance policy pays. The higher the deductible chosen the lower the collision
coverage cost within the New Jersey auto insurance policy.
Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
the auto insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the New Jersey auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. The minimum liability insurance coverage available for
purchase in New Jersey is 15/30 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the minimums listed below. Contact us at 201-796-6303 to discuss
what liability coverage amounts you require to meet your family and personal
needs.
New Jersey Liability Coverage limits explanation:
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit
arises from an accident. The minimum coverage amount in New Jersey is $5,000.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a car
when you are walking or if you are riding in another car or truck. This coverage
will pay for your medical and funeral expenses even if you cause the accident.
The coverage is often limited to medical care you get in the first one, two, or
three years after the accident and is limited to a specific dollar amount. This is a
required Auto Insurance coverage in New Jersey.
New Jersey does require "No Fault" insurance coverage. This coverage pays
medical bills for injuries suffered in an auto accident regardless of who caused the
accident.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is required for Auto
Insurance in New Jersey. Contact us at 201-796-6303 to discuss what uninsured
coverage amounts you require to meet your family and personal needs.
Example of uninsured motorist limits:
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required auto
insurance coverage in New Jersey.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is not a required coverage in New Jersey.
New Jersey Auto Insurance FAQ
Click on the link below to fill out a secure quote request form for an Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable cost. Or
speak with our New Jersey Auto Insurance agent specialist at 201-796-6303 to
discuss the features.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
New Jersey Auto Insurance FAQ
New Jersey Auto Insurance FAQ
New Jersey Auto Insurance FAQ
New Jersey Auto Insurance FAQ
New Jersey Auto Insurance FAQ
New Jersey Auto Insurance FAQ
Having a teenager included on your auto insurance policy will always cost substantially
more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class
at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease
as they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide.
New Jersey Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a
covered event.
New Jersey Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need to
pay for repairs received at the garage or other repair location.
New Jersey Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your
car is required.
New Jersey Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance
policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy,
it will have been prepared especially for you. It will list the specific auto insurance
coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining
a police report, and filing a claim. Information on auto insurance policy
cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for a New Jersey
Auto Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our New Jersey Auto Insurance agent
specialist at 201-796-6303 to discuss the features in more detail.
New Jersey Auto Insurance Information
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Abbey's Financial
27 Broadway
Elmwood Park, NJ 07407
Bergen County, NJ
(201) 796-6303
Fax: (201) 796-5039
Auto Insurance
New Jersey
Personal Insurance
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We are an Elmwood Park, NJ insurance agency offering affordable New Jersey
auto insurance policy premiums to residents of the following cities and counties in
New Jersey: Paterson, Garfield, Saddle Brook, Clifton, Preakness, Paramus,
Bergenfield, Englewood, Teaneck, Maywood, Bogota, Hackensack, Teterboro, Little
Ferry, Moonachie, Leonia, Palisades Park, Fort Lee, Englewood Cliffs, South
Hackensack, East Rutherford, North Bergen, Ridgefield, Secaucus, West New
York, North Arlington, Kingsland, Nutley, Rutherford, Belleville, Carlstadt,
Woodridge, Lyndhurst, Wallington, Passaic, Lodi, Rochelle Park, Bloomfield,
Montclair, Great Notch, Totowa, West Paterson, Little Falls, Verona, Cedar Grove,
North Caldwell, Singar, West Orange, Fair Lawn, Glen Rock, Hawthorne, Wayne,
Haledon, River Edge, Tenafly, Cresskill, Closter, Oradell, Emerson, Ridgewood,
Midland Park, Westwood, Waldwick, Wyckoff, Franklin Lakes, Pompton Plains,
Lincoln Park, Old Tappan, Hillsdale, Oakland, Pequannock, Lake Hiawatha, East
Orange, Newark, Bergen County, Hudson County, Passaic County, Essex County,
and Morris County, NJ. We can also offer our cheap auto insurance policy services
throughout New Jersey.
Abbey's Financial Advisory Services, Inc.
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Click on the link below to fill out a secure quote request form for a New Jersey
Auto Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our New Jersey Auto Insurance agent
specialist at 201-796-6303 to discuss the features in more detail.
If you have an older car, you can lower your New Jersey auto insurance premium
by reducing or dropping your collision or comprehensive coverages. Cars being
sold today are much more costly to repair, just ask your auto mechanic the next
time you see him. If you damage your older car in a car accident, it's likely that your
repair costs will be lower than those for a newer car with similar damage. The
amount of New Jersey auto insurance premium that goes toward that coverage
option is only slightly reduced for older cars than for newer ones. You can usually
save some premium by taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and the
deductible you must pay before an insurance claim is paid. Auto insurance
deductibles usually range between $100 and $1,000. A lower deductible raises the
premium amount, and a higher deductible will lower your monthly New Jersey auto
insurance premium.

You should consider setting your deductible at an amount that you are comfortable
with. Determine the amount that you could afford to spend on your car in any given
month if you had an accident. The amount that won't prevent you from paying all
your bills is a good amount for an auto insurance deductible.

Remember though, if you have an car accident, the deductible you've chosen must
be paid before the insurance company will pay for your repairs, and there can be
hidden costs in a car accident. For example, your New Jersey auto insurance
policy may not pay the cost of a rental car while your car is being repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an accident.
Most auto insurance companies offer discounts to drivers who keep the number of
miles they drive each year under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have not
had a moving violation in the past 3 years. Insurance companies consider speeding
tickets and accidents the most serious moving violations which have an impact on
your New jersey auto insurance premiums.

Review your driving record prior to shopping for auto insurance. You may want to
consider holding off on buying new auto insurance if you have a moving violation
which can be removed from your records within a short period of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time you
are involved in an auto accident or a moving violation, the state where you are
licensed assesses points to your driving record. Auto insurance companies limit
their risk exposure by charging higher premiums to drivers who have more points
on their driving records. Convictions of driving under the influence of drugs or
alcohol is often viewed as much more serious than a speeding ticket or a car
accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies when
you are shopping for auto insurance what their "good driver" discounts are.
Compare that price to the good driver rates of other companies, to help determine
what the best New Jersey auto insurance policy is for you and your family.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking
mechanisms will lock if the driver slams the brake pedal, which can cause
hydroplaning in wet conditions or skidding on dry surfaces. The proper way to
avoid this is to pump the brakes. People are limited in the speed with which they
can pump a brake pedal, so anti-lock brakes do the pumping for you and improve
safety.

Auto insurance companies want to reduce the chance that their policy holders will
have a car accident. The auto insurance discounts offered are another incentive to
buy cars equipped with anti-locking brakes.