Englewood Car Insurance

Your Complete Guide to Englewood, NJ Car Insurance

Find the right car insurance policy for you.

Even the most experienced drivers can sometimes find themselves in vehicle accidents. That is why vehicle owners in Englewood are required by state law to have auto insurance. From fender benders on Grand Avenue to multi-car collisions on the New Jersey Turnpike, a reliable car insurance policy can shield you from a large financial loss in the wake of a collision. Finding the best car insurance is easy when you work with an independent insurance agent. An agent with an office in or near Englewood can provide you with a variety of customized auto insurance quotes so you can be sure you are purchasing a competitively priced policy. Contact an insurance agent near you to get started.

Car Insurance Requirements in New Jersey

In New Jersey, drivers can opt to purchase a standard car insurance policy, or they can buy a less expensive, but more limited, basic car insurance policy.

A standard car insurance policy must include, at a minimum, the following:

  • Liability coverage including
    • Bodily injury liability coverage of at least $15,000 per person / $30,000 per accident
    • Property damage liability coverage of at least $5,000 per accident
  • Personal injury protection (PIP) coverage of at least $15,000
  • Up to $250,000 of PIP for severe or permanent injuries

New Jersey residents also have the option to purchase a basic coverage policy, which is much less expensive but provides very little in the way of coverage. A basic policy provides only $5,000 in property damage liability coverage and $15,000 in personal injury protection. It does not include bodily injury liability coverage but will provide up to $250,000 for very serious injuries like brain damage. Some drivers in New Jersey have a lot to lose and want even more coverage than a standard policy can allow. They often opt to purchase umbrella insurance in order to get even higher levels of liability coverage. Your insurance agent can help you get the liability coverage you need at a price you can afford.

How Much Does Car Insurance Cost in Englewood, NJ?

Car insurance rates in the state of New Jersey tend to be significantly higher than the national average, though Englewood drivers tend to spend less than the average for the state. This may be because many residents in this city use public transportation to get into New York City for their jobs, and do not put a lot of miles on their cars every year. 

  • National average annual car insurance cost: $1,311
  • New Jersey average annual car insurance cost: $1,905
  • Englewood average annual car insurance cost: $1,403

Of course, car insurance costs can vary significantly from one driver to the next because they are calculated individually according to several different factors. Things that can influence your costs include: 

  • The year, make, and model of your vehicle
  • Your age, gender, occupation, driving history, and credit score
  • Information about other drivers in your household unless they are specifically excluded from your coverage
  • The estimated number of miles you drive your car each year
  • The accident and auto theft rates near where you live and park your car
  • Whether you are bundling your coverage with another policy like home insurance or renters insurance

If you have been driving for several years and have a clean driving record, your coverage will cost less than if you are a twenty-year-old man insuring a sports car. An independent insurance agent in Englewood can help you easily obtain and review customized car insurance quotes from a variety of highly-rated insurers.

Number of Uninsured Motorists in New Jersey

As a resident of New Jersey, if you are caught driving without insurance, you can face some pretty serious consequences. Penalties in this state include a fine of between $300 and $1,000, mandatory community service work, and the suspension of your driving privileges for one year. Despite this, one in ten drivers on this state’s roadways is operating an uninsured vehicle.

  • Percentage of US drivers who are uninsured: 12.6%
  • Percentage of New Jersey drivers who are uninsured: 10.3%

If an uninsured, underinsured, or hit-and-run is responsible for a collision with your vehicle, uninsured motorist insurance can ensure that you get the compensation you deserve quickly and easily. You can avoid the need to sue and pursue payments by letting your insurance company handle the burden of collecting what is due to the offending driver. Uninsured motorist insurance is optional in New Jersey.

Auto Thefts in Englewood, NJ

The auto theft rate in New Jersey is significantly lower than the national average, and in Englewood, it is even lower. This is not to say that the risk does not exist. About 20 cars are reported stolen in this city in a typical year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • New Jersey auto theft rate per 1,000 vehicles: 1.27
  • Englewood auto theft rate per 1,000 vehicles: 0.87

Be aware that you cannot get compensation for a stolen car unless your auto insurance policy includes comprehensive, or “other than collision,” insurance. This insurance is optional, but most lenders will require you to carry it until your vehicle is paid in full. Comprehensive insurance can be beneficial, particularly if your car has a high resale value. It covers more than just auto theft. It can also reimburse you for loss and damage caused by other non-collision hazards such as falling trees, wind damage, floods, structure fires, and vandalism.

Why Work with an Independent Insurance Agent in Englewood?

As a vehicle owner in Englewood, you can turn to a local independent agent for assistance when you are searching for the best auto insurance policy to meet your coverage and budgetary needs. These agents are free to work with a variety of reputable insurance providers so they can help you find the most affordable policy.

Find an independent insurance agent in or near Englewood to learn more, and you can start comparing customized car insurance quotes in no time.

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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