New Brunswick Car Insurance

Your Complete Guide to New Brunswick, NJ Car Insurance

Find the right car insurance policy for you.

Teen standing next to the car using her smartphone

Even the most experienced drivers can sometimes get into accidents, especially in the winter when roads are slick. That is why vehicle owners in New Brunswick are required to carry car insurance. From fender benders on French Street to multi-car collisions on Route 1, a reliable auto insurance policy can prevent you from facing a large financial loss as a result. 

Finding the best car insurance is easy when you work with an independent insurance agent in New Brunswick. These agents can help you obtain and compare a variety of car insurance quotes. That way, you can be sure you are getting the coverage you need at a price you can afford. Contact an insurance agent near you to get started.

How Much Does Car Insurance Cost in New Brunswick, NJ?

The average car insurance cost in this state is higher than the national average. In New Brunswick, at least, rates tend to be a bit lower than throughout much of the state.

  • National average annual car insurance cost: $1,311
  • New Jersey average annual car insurance cost: $1,595
  • New Brunswick average annual car insurance cost: $1,517

Of course, the costs listed above can only give you a ballpark idea of what you might actually be expected to pay. Car insurance rates vary from one driver to the next because they are calculated on a case-by-case basis according to several factors. Insurance companies will use the following factors to assess risk and assign rates:

  • The make, model, trim, and year of the vehicle you are insuring
  • The number of vehicles you are including in your policy
  • Your age, occupation, driving record, claims history, and credit score
  • Information about the other licensed drivers in your household, unless they are specifically excluded from coverage
  • Whether you own or rent your home
  • Where you live and park your car
  • The average number of miles you drive per year
  • The amount of coverage you are purchasing

You can often get reduced rates if you bundle your car insurance with other policies such as home insurance or renters insurance. Comparison shopping lets you find the coverage you need at the lowest price. Contact an independent agent in New Brunswick to easily compare a selection of customized quotes.

What Are the Car Insurance Requirements for New Brunswick Drivers?

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 insurance:
    • 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 with up to $250,000 of PIP for severe or permanent injuries

New Jersey residents also have the option to purchase a basic coverage policy. These policies are much less expensive, but they provide very little in the way of coverage. Basic car insurance gives you 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.

If you cause an accident and your insurance limits are too low to cover the costs you are responsible for covering, you will be expected to make up the difference out of pocket. This can lead to a court hearing, garnished wages, and the loss of many of your assets. That is why many New Brunswick drivers opt to purchase car insurance that has higher-than-required liability limits. Some residents of this city also purchase umbrella insurance in order to acquire even more liability coverage than their auto policy can offer. Independent insurance agents can help you find the liability coverage you want at a price you can afford.

What about Damage to Your Own Vehicle?

The state requires you to carry liability insurance to cover damage to other people’s cars if you cause an accident. But what about damage to your own car if you are at fault or if your car is destroyed because of a catastrophic weather event? There are two optional coverage types that can cover damage to your vehicle:

  • Collision insurance: This covers the cost to repair or replace your vehicle if is it damaged or totaled in a collision, regardless of fault.
  • Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a windstorm, flood, or fire.

If you are still paying for your car, you probably have both of these coverage types, since they are typically required by lenders. Also, if you are leasing your vehicle, the dealership probably requires you to carry these coverages in your car insurance policy. Once you own your car outright, however, these coverage types become fully optional.

What Else Can New Brunswick Car Insurance Cover?

There are a few other coverage options you may choose to include in your car insurance policy. These include:

  • Uninsured motorist insurance: This covers damage caused by uninsured, underinsured, or hit-and-run drivers. It prevents you from needing to go through lengthy court proceedings in order to collect the money owed to you. In New Jersey, 10.3% of motorists are uninsured, so this coverage can prove to be important.
  • Gap insurance: New cars depreciate in value quickly. This means that if your four-month-old car is swept away in floodwaters, you may only be able to collect the amount it is worth, which is likely to be lower than what you owe for it. Gap insurance is designed to bridge this gap so that you are not stuck making payments on a car you no longer have.
  • Towing and roadside assistance: What if your engine overheats while you’re out running errands. Or what if you run out of gas on the highway?  When you have towing and roadside assistance, you can simply call a designated phone number, and covered help will be on the way.
  • Rental car reimbursement: If your car is in the shop being repaired, you probably still need wheels to get around. Rental car reimbursement insurance will cover the cost to rent a comparable vehicle while yours is being repaired for damage caused by a covered event.

Talk to your insurance agent to learn more about all of your coverage options and to find out how much it will cost you to add each of them to your policy.

What about Auto Thefts in New Brunswick?

The auto theft rate in the state of New Jersey is lower than the national rate. In New Brunswick, the rate is lower still. However, there are about 75 car thefts reported in this city every year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • New Jersey auto theft rate per 1,000 vehicles: 1.14
  • New Brunswick auto theft rate per 1,000 vehicles: 0.56

Of course, you probably drive to places outside of New Brunswick on occasion, so it is important to be vigilant so that your car is not stolen. You can reduce your risk of car theft by keeping your car securely locked, parking in well-lit areas, and making sure that valuables inside the car are not visible from the outside. In the event that your car is stolen, you can get compensation for your loss as long as your car insurance policy includes comprehensive coverage. Talk to an independent insurance agent to learn more.

Let an Independent Insurance Agent in New Brunswick Help You

There is no need to do your car insurance comparison shopping on your own.  You can ask a local independent agent for assistance with finding the best auto insurance to meet your coverage and budgetary needs.

Contact an insurance agent in or near New Brunswick to start comparing customized car insurance quotes. You’ll soon discover how easy it can be to get reliable coverage at a great price.

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