Auto Insurance Help New Jersey NJ
Reader’s Question:
We have moved to New Jersey. We will be taking care of my elderly mother. She no longer drives and took her car off the road two years ago. It would be helpful to get the car back on the road. What do we do about auto insurance and how much should we expect to pay?
Tom
Jersey City, NJ
Tom, you will need to take proof of automobile insurance with you when you register your mother’s vehicle with the New Jersey State Department of Motor Vehicles. Depending on the status of the title, you may be able to register on line but you will need valid plates to drive the car. Usually you would take your auto insurance card, the title to the vehicle and a method of payment to DMV. After processing, you would be issued plates on the spot. The process is not really too complicated.
Many factors determine the premium amount for automobile insurance. Amount of deductible, amount of collision coverage and the driving record of the operator impact the cost of auto insurance.
Like most states, New Jersey uses a point system to rate violations. Over time, your auto insurance rates can rise or fall depending on your driving history. The state offers Safe Driver programs that can lower your rates. Your auto insurance carrier will reward you for participation in these programs.
Tom, there is a great deal of on-line information about New Jersey auto insurance. Do some research and you will get a good idea of the coverage you need along with reliable premium estimates.
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