If you are having trouble with your car insurance company then might want to request help from NJPAIP Producers and explore non standard or assigned risk coverage until your record improves.
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Our NJPAIP state certified producers will be glad to discuss ways to hopefully find some affordable coverage for you and or your entire family. You do not have to search all day and end up frustrated because help is readily available. The rates will be verified and accurate.
Why buy insurance?
What is auto insurance and how does it work?
Auto insurance protects you against financial loss if you have an accident. It’s a contract where you pay a rate — commonly
referred to as the ‘premium’ — and the insurance company covers losses listed in your policy.
Do I have to have auto insurance?
In every state but New Hampshire and Wisconsin, if you own or drive a vehicle, you must have Liability insurance coverage. If
you lease a car or have a car loan, you’ll probably need Comprehensive and Collision coverage as required by your loan agreement.
Your independent agent can tell you exactly what your state requires.
Besides legal or loan requirements, why should I buy auto insurance?
The average new car costs close to $30,000, while some cost over $50,000. The relatively small insurance premium you pay
covers you for much higher losses; without insurance you’re liable for every penny. Plus, insurance companies are a big help in
getting your damaged vehicle repaired.
What could affect my rate?
Some examples of what can impact your rate are: your driving and violation history; your age, gender and marital status; the age
and type of your car; where you live; how much coverage you buy; and your credit and prior insurance history.
If I have an accident, will my rate go up? Will I lose my NJ Car Insurance?
That depends on the insurer and who is at fault. Some insurers won’t renew drivers with accidents and tickets. Some of our companies will
not nonrenew your policy or refuse to take you as a new customer just because of an accident or past violations.
How can I lower my NJ Car insurance rate?
Here are some simple ways:
› Clean driving: Avoid accidents and traffic violations.
› Increase your deductibles: The higher the deductible, the lower the premium.
› Check your discounts: Make sure you’re getting everything you qualify for.
› Pay your bills on time: Good credit history may help keep your insurance rate low.
› Buy only the coverage you need.