Reader’s Question:

My friend is seventeen years old from New Jersey. She is using her fathers car and is covered under her father’s car insurance. Her father died and now live with her twenty year old sister. My friend does not have a drivers license and do not know how to drive. Basically we would like to know if my friend can own the car and get car insurance for it. If not can her sister insure the car since she is older.

Alyssa

Jersey City, NJ

In New Jersey a seventeen year old or her twenty year old sister can own a car and get car insurance for it. In New Jersey one must be at least seventeen years old to have the car registered. According to the New Jersey Motor Vehicle Commission a car registered in the name of a decedent may be driven for thirty days after the death by an immediate family member or any licensed motorist who has permission from the surviving family member.

The New Jersey Motor Vehicle Commission has guidelines for how to transfer the title if the car is left in the will, to an estate or without a will. To be able to properly title the vehicle it is important that your friend contact the New Jersey Motor Vehicle Commission for specifics. It is best to discuss this with the father’s auto insurance provider to determine what it will take to change the policy.

Reader’s Question:

What are the factors used in calculating NJ vehicle insurance premiums?

Amanda

Newark NJ

In calculating for an NJ vehicle insurance premiums, these factors are commonly included: age, gender, address, marital status, driving accidents, traffic violations, car model, and car type. Age is an important determinant of price. Based on studies, older drivers are more responsible and are less involved in accidents compared to young drivers and those who are above 75 years old. Gender also plays a role in premium computation. Female drivers are regarded more favorably by insurers compared to male drivers. This is because female drivers could be involved in car accidents but the nature of those accidents are often minor, unlike men whose accidents are often serious or fatal because of their speed when driving. Address will be used to determine the minimum liability insurance and for statistical purpose.

Marital status is also considered an important consideration in an NJ vehicle insurance computation. It is said that married people are more responsible drivers compared to single drivers. The driving history will be used by insurers to determine how a person has been keeping to the rules and avoiding endangering others on the road. The car is also important because insurers have a car grouping that will figure in the NJ vehicle insurance computation.

Reader’s Question:

What is the required NJ vehicle insurance?

Brent

Newark, NJ

NJ vehicle insurance is a little unique in the sense that the coverage limits aren’t specifically set. The insurance regulator for this state known as New Jersey Department of Banking and Insurance (DOBI) established a basic policy available for all resident drivers. This basic policy is the result of the Automobile Insurance Cost Reduction Act which hopes to make the inescapable burden of NJ vehicle insurance a little lighter. The DOBI in fact recommends the basic policy to drivers with little family responsibility or personal assets. It’s an affordable alternative that takes into account the reality that not all drivers have the same vehicle insurance needs. There are three requirements for NJ vehicle insurance. All resident drivers must have liability for bodily injury and property damage, Personal Injury Protection, and Uninsured/Underinsured Motorist. The NJ vehicle insurance basic policy however doesn’t actually include all these state requirements. Bodily Injury Liability for example is simply an available option with a $10,000 coverage limit for all persons per accident. Property damage liability however is included with a limit of $5,000 per accident. Personal Injury Protection is also included in the basic policy with $15,000 coverage per person and this can go up to $250,000 for more serious or permanent injuries. Uninsured/Underinsured Motorist coverage despite being a requirement is not included in the basic policy. There are standard NJ vehicle insurance policies however that offer this with a coverage limit similar to what was set in your liability coverage.

Reader’s Question:

I am shopping for a cheap vehicle insurance policy here in New Jersey. Right now I have found a car insurance policy which fits my budget. Should I buy that or look for cheaper car insurance instead?

Margie

Newark, NJ

If you really want to maximize your savings, it is better that you shop for a cheaper car insurance policy. There’s always a chance that you can get a cheaper car insurance policy than what you have just found. You can shop for the cheapest car insurance quotes New Jersey by doing your shopping through the Internet or browsing the yellow pages. You can also inquire with a licensed car insurance broker if you can still get a cheaper car insurance.

Shop for the cheapest car insurance quotes New Jersey online by visiting a car insurance comparison website. This kind of website is very useful for car owners seeking a really affordable car insurance company. It allows them to compare car insurance policies within minutes. Car owners can easily decide which car insurance company offers the most affordable and most comprehensive car insurance policy with this type of website.

You can also shop for the cheapest car insurance quotes New Jersey by calling up a licensed car insurance broker. A good broker can give you a variety of car insurance quotes, and even give you tips on how you can lower your car insurance premiums.

Simply put, don’t purchase that car insurance policy you’ve stumbled upon- yet. Shop more if you want to get the cheapest car insurance policy in your area.

Readers Question:

I dont wanna put a great deal of time and effort in searching for low cost auto insurance here in New Jersey. Does getting cheap auto insurance have a secret behind the method of doing it?

Caden

Elizabeth, NJ

You dont have to put a great deal of time and effort in searching for low cost auto insurance in New Jersey. You totally have the power over the amount you would like to pay for your auto insurance.

The first thing you can do is to ask for auto insurance discounts from your auto insurance provider. There are several kinds of discounts given by insurers and you can definitely find the one that fits your needs. For teenagers, getting good grades in school can give you good student discount. In case you have safety features and anti-theft devices on your car, you can also be qualified for discounts on your auto insurance premium. Some other discounts that you can get include multiple-line discount for having more than one insurance policy under the same insurance company and multiple-vehicle discount for having more than one vehicle insured under the same policy.

Keep in mind as well that your deductible and auto insurance premium are connected with one another. If you go for higher deductible, you will be assured to have low cost auto insurance premium.

Lastly, dont ever forget to compare auto insurance quotes from different insurers as this assures you that you look at the available options for you to get low cost auto insurance in New Jersey.

Reader’s Question:

Is it true that I can get a better deal for my auto insurance here in New Jersey if I look somewhere else for my coverage? Please tell me how that is possible so that I can save on my auto insurance premiums.

Nancy

Newark, NJ

Most auto insurance experts say that you can be able to get a better deal on your coverage if you look somewhere else. That would be possible if you get multiple auto insurance quotes from different auto insurance companies in New Jersey. This way, you can see the prices offered by each company so you can compare them and choose the best coverage that you can afford. The easiest way that you can do this is to go online and visit an auto insurance comparison quotes Website. You will realize that a lot of companies offer the same exact coverage but the costs have big differences.

In the past, comparison shopping for auto insurance quotes was hard and can eat up so much time. You have to call each auto insurance company one by one to get a good quote. But when these companies put up their own Websites, obtaining auto insurance quotes have become easier. Obtaining several quotes can take a number of days before by calling different auto insurance agencies, or a few hours if you go from one Website to another. The process have become even easier for you because there are already auto insurance comparison quotes Websites available wherein you only submit your information once and you can get multiple quotes from different auto insurers.

Reader’s Question:

I don’t really know how much auto insurance I should buy for my coverage here in New Jersey. Is it okay if I just purchase as much auto insurance as I can afford?

Phil

Vineland, NJ

In terms of giving protection for yourself, you would think that you won’t go wrong if you have a little more freedom with the maximum value on your auto insurance policy. As a matter of fact, a great auto insurance agent would inform you that you have to purchase as much auto insurance coverage as you could afford. Even though that you think this is a great directive, this actually will not help you. It could be a great simple suggestion; however, it will not help you reach a wise decision.

Primarily, the part of your auto insurance that will be used if you get into an at-fault accident is the liability coverage and/or bodily injury protection. But some people are uncertain if they would just get the minimum liability coverage since most states have low requirements. Some think that the minimum level is not enough to cover severe damages and injuries. For example, the state of New Jersey requires you to have at least $15,000 for one person injured or $30,000 for all the persons injured and $5,000 for property damage. In some instances, these figures are not enough and you have to pay the difference out of your own pocket if the expenses exceed your coverage limits.

You can be ready for this kind of circumstances if you protect yourself as well as your assets if you get involved in accidents by raising the liability coverage of your auto insurance. You really just have to weigh your auto insurance needs and don’t have to purchase as much auto insurance as you could afford.