Even though the state of New Jersey is relatively small in size, it is still one of the most densely populated regions throughout the entire United States. Because of its close proximity to New York City, there are literally millions of road users who commute or drive on a daily basis. This makes auto insurance an absolute necessity and finding the cheapest car insurance quotes is imperative to safe and affordable motoring.
New Jersey is a no-fault state so auto insurance quotes work somewhat differently to comparative policies that are provided in areas that use the Tort system. As a means of relieving the pressures on the court system, the insurance company of each individual policyholder will be responsible for the cost of damages irrespective of which driver was deemed to be at fault in a road traffic accident. In addition to basic levels of policy coverage, all motorists must carry personal injury protection to a minimum level of $15,000 so that medical costs, funeral expenses and loss of earnings from work can be covered.
When obtaining car insurance quotes, motorists in New Jersey must also carry bodily injury liability to a value of $15,000 per person and $30,000 per accident. Additionally, $5,000 of property damage liability is also required and these terms are laid out by New Jersey state law. The rising number of uninsured and underinsured motorists using the highways within the Garden State also means that uninsured and underinsured motorist coverage must be purchased to a value of $15,000 per person and $30,000 per accident. Uninsured and underinsured motorist property damage liability is also compulsory and this is set at a minimum level of $5,000.