New Jersey Auto Insurance
Providing Car Insurance in Central New Jersey
There are many New Jersey car insurance companies out there today that want you to believe that the most important part of auto insurance is being quick (15 minutes) or cheap. This is potentially hazardous to your quality of life, and they know better, so shame on them. Besides, if you save by accidentally reducing the wrong coverage and find out you need more after an accident, you’ll probably end up spending way more than you ever saved.
We believe that auto insurance is an important building block in the foundation of any financial plan. While we often save new clients money on their car insurance, there's more to consider as you look around the marketplace. Isn’t it really about the right mix of price and protection?
Our professionals will help you select the right coverage for your lifestyle and get you all the discounts available, which can add up to some serious savings.
How much New Jersey auto insurance coverage do I need?
What do all these auto insurance coverages mean?
What auto insurance discounts can I get?
Innovative policy features
At Sharer & Associates, we provide quality, affordable insurance to the residents of Millstone Township, Monroe Township, Manalapan, Freehold, East Windsor, Hightstown, Jackson, Hamilton, West Windsor, Princeton and all of Central NJ.
How much New Jersey auto insurance coverage do I need?
Dialing in the right insurance coverage levels for your lifestyle requires some care as you’re the only one who can decide what’s best for your unique situation. A few suggestions to help you take into account what you’ll want to protect:
- Vehicle(s) - consider the age, purchase price and whether they are leased, financed or owned. Does “full coverage” make sense, and should you consider different deductibles?
- Family - is your NJ home rented or owned? Are you married? Any children or others who depend on your income?
- Health Insurance - are you and your family covered by a health insurance plan? Happy with the plan? There are alternatives to how you set up your personal injury protection that may be worth considering.
- Asset Protection - consider the equity in your home or auto. Do you own 401Ks, CDs, bank accounts and/or other investments? Do you own a business? Every time you or a family member gets behind the wheel, all of your assets are at risk.
- Household Income - what does this have to do with car insurance? Potentially, a lot as your income can be exposed if you cause a serious accident and it can be at risk if you’re injured in an accident.
Be sure to request a free New Jersey auto insurance quote through our website.
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What do all these auto insurance coverages mean?
Many people don’t realize that coverage for the vehicles is often the least important part of their policy. New Jersey auto insurance is about more than just cars. It’s also about protecting you and your family from major financial setbacks.
Coverage for other people
Liability Coverage - Essentially, this is your “lawsuit defense fund.” If you're at fault in an accident that's covered by your policy, and other people and/or property are injured or damaged, Liability coverage helps protect you from the cost of these damages and the legal expense to defend you.
Coverage for you and your family
Personal Injury Protection (PIP) - PIP covers not only reasonable and necessary medical and hospital expenses, it can also help you with income continuation, household services, funeral expenses and even child-care expenses while you’re healing.
Underinsured / Uninsured Motorist Coverage - If a driver with little or no car insurance in NJ damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and non-medical expenses.
Coverage for your car
Collision Coverage - Collision coverage helps protect you from repair costs to your car if you're involved in a covered accident. Considering it's a covered loss (that's insurance-speak for an accident that's specifically covered by your policy), Collision helps pay for the repairs, up to the actual cash value of your car needed to get it back on the road.
With Collision coverage, the higher the deductible the lower your premium and the more that you will be required to pay in the event of an accident requiring repairs to your vehicle.
Comprehensive Coverage - Basically, Comprehensive covers the accidental damages to your car that Collision does not, including storm damage, vandalism, theft or striking an animal (unfortunately here in NJ, that’s often deer). Similar to Collision coverage, the higher the deductible the lower your premium, though the savings are usually not as great.
Since New Jersey does not have separate glass coverage, accidental cracked or chipped windshields and broken glass are subject to the same Comprehensive deductible. We’ve helped many clients get small cracks & chips repaired at no cost to them.
Additional Coverage Options - these can boost convenience and peace of mind:
Rental Car Reimbursement Coverage - This option will reimburse you for the cost of a rental vehicle after an accident while your car is being repaired.
Towing and Labor-Cost Coverage - This option will help reimburse you for the expense of towing your vehicle, as well as other basic roadside services.
Identity Restoration Coverage - Provides a team of specialists to help restore your identity if it’s stolen.
Give us a call at 732-446-4919 or submit a quote request through our website to find out how the team at Sharer & Associates can help you with your New Jersey auto insurance coverage.
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What auto insurance discounts can I get?
We all love discounts, which is why we make sure you receive all available discounts and bonuses to help save you money on your car insurance in NJ. Below is a basic rundown of what we can offer.
Discounts for safe drivers
Premier Discount - If you’ve been safe on the road and haven’t had an at-fault accident in the past three years, you might qualify for the Premier Discount.
Premier Plus Discount - If your good fortune has been even better, with no at-fault accident in the past five years, the Premier Plus Discount could be yours.
Defensive Driver Discount - You can save on your premiums by taking an approved defensive-driving class.
Discounts for young drivers
Good Student Discount - If you’re a full-time student under the age of 25 maintaining a B average in the most recent semester or cumulative, this discount is for you.
Resident Student - If you’re a full-time student attending college more than 100 miles from home without a car at school, you can qualify for this discount.
Driver Training Discount - For those who’ve been driving for less than three years, this discount is available to young drivers who’ve completed a six-hour road training course.
Discounts for safe cars
Passive Restraint Systems - If your car came equipped with airbags or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your New Jersey auto insurance.
Anti-Lock Brakes - Similarly, if your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount can bring your premiums down.
Anti-Theft Devices - We can save you money if your car came equipped with approved anti-theft devices.
But wait, there’s more! – Other discounts available:
- Multi-Policy Discount
- Homeowners Discount
- Senior Adult Discount
- Automated Pay Plan Discount
- e-Bill Discount
- Early Sign-on Discount
Submit a free NJ auto insurance quote on our website to find out which discounts we can deliver to you!
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Innovative policy features
Now you can enjoy high-quality New Jersey car insurance coverage with better protection if you have an accident and more rewards if you avoid them. Here are some innovative features to consider:
- Accident Forgiveness - Helps keep your rates from going up just because of an accident. Even if it's your fault!
- Violation Forgiveness - Helps keep your rates from going up when you have a traffic violation.
- Safe Driving Bonus - For every six months of accident-free driving, you have the opportunity to earn a check of up to 5 percent of your premium.
- Deductible Rewards - You can get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident, up to $500 total.
- New Car Replacement - If your new car gets totaled within the first three model years, you can get a new car, not just the depreciated value.
