NJPAIP NJ Car Insurance Rating Examples
NJ Auto Insurance Example 1-A
Driver: 18-year-old, youthful male, unmarried
Principal Operator
Driver Training, no good student discount
No accidents within the past 3 years
No motor vehicle violations within the past 3 years
Pleasure use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability only policy:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or combined single limit of $35,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or Combined Single Limit of $35,000)
2013 Buick Century Custom – 4 door sedan
ISO rating symbol 8
NJPAIP NJ Auto Insurance Example 1-B
Driver: Use same criteria as 1-A, except one at-fault accident
Example 2-A
Driver: Married couple, both between ages of 30 and 49 with newly licensed 17-year-old daughter in household
No driver training, no good student discount
No accidents within the past 3 years
No motor vehicle violations within the past 3 years
Pleasure use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
2015 Buick Century Custom – 4 door sedan
ISO rating symbol 8
$750 deductibles for Comprehensive and Collision
NJPAIP NJ Auto Insurance Example 2-B
Driver: Use same criteria as 2-A, except husband has one at-fault accident
NJ Auto Insurance Example 3-A
Driver: Married couple, both between ages of 30 and 49
2 vehicles on policy and no inexperienced operator in household
No accidents with the past 3 years
No motor vehicle violations within the past 3 years
Continuous insurance with same company for 10 years
Car #1: Driven by husband to work 10 or more miles, 20,000 annual miles
Car #2: Driven by wife to work less than 3 miles, 12,000 annual miles
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Car #1: 2013 Buick Century Custom – 4 door sedan, ISO rating symbol 8
Car #2: 2009 Chevrolet Astro Van 4 x 2, ISO rating symbol 6
$750 deductible for Comprehensive only
NJPAIP NJ Auto Insurance Example 3-B
Driver: Use same criteria as 3-A, except husband has a four-point moving violation and two
comprehensive claims over $750 each; wife has one at-fault accident
NJ PAIP NJ Auto Insurance Example 3-C
Driver: Use same criteria as 3-A, except:
Have no at-fault or not at-fault accidents within the past 5 years
No motor vehicle violations within the past 5 years
No Schedule 1 offense (refer to N.J.A.C. 11:3-34.5) within 5 years
Has no comprehensive claims, including theft, within 5 years
One operator has at least 20 years of driving experience
Has companion policy
NJ PAIP NJ Auto Insurance Example 4-A
Driver: Married couple, both between the ages of 65 and 69
No accidents within the past 3 years
No motor vehicle violations within the past 3 years
Pleasure use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
2015 Buick Century Custom – 4 door sedan
ISO rating symbol 8
$750 deductibles for Comprehensive and Collision
NJ Auto Insurance Example 4-B
Driver: Use same criteria as 4-A, except one at-fault accident
NJPAIP NJ Auto Insurance Example 5-A
Driver: 26-year-old female, unmarried
No accidents within the past 3 years
No motor vehicle violations with the past 3 years
Please use (12,000 annual miles)
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000 (or combined single limit of $300,000)
2011 Saturn Sedan L300
ISO rating symbol 10
$750 deductibles for comprehensive and collision
NJ Auto Insurance Example 5-B
Driver: Use same criteria as 5-A, except one at-fault accident
NJPAIP Example 5-C
Driver: Use same criteria as 5-A except:
No at-fault or not-at-fault accidents within the past 5 years
No motor vehicle violations within the past 5 years
No Schedule 1 offenses (refer to N.J.A.C. 11:3-34.5) within 5 years
Has no comprehensive claims, including theft, within 5 years
NJ Auto Insurance Example 6-A
Driver: 30-year-old male, single car policy
No motor vehicle points within 3 years
No at-fault or not-at-fault accidents within the past 3 years
Drive to work less than 3 miles; 10,000 annual miles
Verbal Threshold
$250,000 Standard Personal Injury Protection (PIP), $250 deductible
With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
Without any defensive driving course discount
Liability:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or combined single limit of $35,000)
Uninsured Motorist Coverage:
Bodily Injury limits of $15,000/$30,000
Property Damage liability $5,000 (or combined single limit of $35,000)
2013 Buick Century Custom – 4 door sedan
ISO rating symbol 8
$750 deductibles for Comprehensive and Collision
NJPAIP NJ Auto Insurance Example 6-B
Driver: Use same criteria as 6-A except:
Bodily Injury limits of $100,000/$300,000
Property Damage liability $25,000
No motor vehicle points within 3 years
No at-fault or not-at-fault accidents within the past 3 years
NJPAIP NJ Auto Insurance Example 7
Driver: 30-year-old male, single car policy
No motor vehicle points within the past 3 years
No at-fault or not-at-fault accidents with the past 3 years
Drive to work less than 3 miles; 10,000 annual miles
Standard Tier (1.00)
With active seatbelt and dual airbags (front only)
Without any defensive driving course discount
1 year with company
BASIC POLICY
$5,000 Property Damage
$15,000 Personal Injury Protection (PIP)
No physical damage coverage
No optional Bodily Injury coverage
Shopping for automobile insurance is a task that requires, time, patience and knowledge. This worksheet will assist you by providing a list of the documents and information commonly requested by companies and agents during the application process. You may find it helpful to collect the information before you apply for insurance. This could prevent unnecessary delays that occur when applications are deemed incomplete.