Cheap Auto Insurance Help

When organizing New Jersey Car Insurance you need to have an understanding of the minimum state insurance requirements as these have an impact on the level of premium you can expect to pay. The average insurance cost in New Jersey is higher than the national average ($1,365 in 2003 compared to a national level of $914) because New Jersey state law requires that all insurers have a minimum Bodily Injury Liability coverage of $15,000 per injured person up to a total of $30,000 per accident. You also must have Property Damage Liability coverage for a minimum level of $5,000. There is also a Personal Injury Protection stipulation – the minimum coverage level is $15,000 to cover medical expenses for you and your passengers in the event of an accident.

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