Auto insurance
What is auto insurance ?
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Which auto insurance is right for you?
- Auto insurance protects you against financial loss if you have an accident.
- It is a contract between you and the insurance company.
- You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Why do you need auto insurance?
It’s really all about protecting yourself financially.
- If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
In New Jersey, the state requires anyone who drives to carry auto insurance. There are many different coverage options when shopping for car insurance, and knowing what to look for can help you make an informed decision.
While there are many endorsements and additional coverages you can add to an auto insurance policy, there are two main policy types; Basic and Standard.
A Basic policy is often less expensive than a standard policy, although it provides limited benefits.
A Standard policy will often be more expensive although you will have more benefits and coverage options. Most NJ drivers choose the standard policy.
There are several factors that go into determining an auto insurance premium, below is a small sample:
Driving Record – If you have been in multiple at-fault car accidents or have motor vehicle violations such as tickets, your auto insurance premium will often increase.
Where you Live – There are different rates for insurance based on areas you may live which can affect premium.
Vehicle Type – The make, model and value of your car factors into your auto insurance premium. In general, a newer car will cost more to insure while an older vehicle will cost less.
Vehicle Use – If you live far from where you work or go to school, chances are you will be paying a higher premium then a person who has a far shorter distance to drive to work or school.
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Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
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