Paterson Car Insurance

Your Complete Guide to Buying Car Insurance in Paterson, NJ

Find the right car insurance policy for you.

This diverse city in New Jersey, known as the Silk City, played a major part in the silk trade in the 19th century. Now culturally and commercially diverse, Paterson boasts the Great Falls of the Passaic River, one of the largest in North America. Whether you are driving around the historical or more modern areas of the city, you'll want to be sure you have the protection you need by getting Paterson, NJ car insurance.

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New Jersey Car Insurance Costs

  • National average cost per year: $1,311
  • New Jersey average cost per year: $1,595
  • 10th most expensive premium in the US

New Jersey insurance costs are considerably above the national average, but keep in mind that this is only an estimate of how much your policy will cost you. Insurance quotes will take into consideration a number of factors unique to you, such as the make, model and year of your car and your driving record. A clean driving record could bring down your premium, as could carrying multiple policies with the same insurer.

New Jersey Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured Motorist: required
  • Minimum liability limits: 15/30/5
    • Coverage up to $15,000 per accident for one person
    • Coverage up to $30,000 per accident for all persons
    • Coverage up to $5,000 per accident for property damage

New Jersey law requires pretty comprehensive minimum coverage, and there are stiff penalties for not failing to meet these requirements. For the first offense: $300 to $1,000 fine, community service and drivers license suspension for 1 year. Subsequent offenses carry a 14-day jail sentence, drivers' license suspension for 2 years, a fine of up to $5,000 and 30 days of community service.

New Jersey Uninsured Motorists

  • National uninsured motorists: 12.6%
  • New Jersey uninsured motorists: 10.3%
  • Average vehicle repair cost in New Jersey: $2,687

The number of uninsured drivers in New Jersey is considerably lower than the national figure, but there is always a chance that an uninsured motorist will be at fault in an accident. Your uninsured motorist coverage will help you recoup damage and losses from an uninsured motorist faster, as your insurance company will provide immediate compensation.

Cars Theft in New Jersey

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • New Jersey vehicle thefts (per 1,000 registered vehicles): 2.17

New Jersey has a lower car theft rate than the nation, but there is always a chance that a thief will make off with your car. Your risk of this type of loss can be decreased by a few common-sense measures. Always lock your car and park it in secure or well-lit areas whenever possible. You can also protect your car from theft with a comprehensive auto policy, as well as improvements in security like anti-theft devices or GPS.

Limiting Your Insurance Costs

If you do mostly local miles driving around the shops and schools, you won’t want the same sort of policy as a traveling sales or delivery person. If you are already conscious about safety and security and have alarms or other devices fitted in your car, you might qualify for a discount. Securely parking or garaging your vehicle overnight might also get you reduced Paterson car insurance premiums. You want to make sure you have sufficient coverage but not necessarily expensive coverage. Someone knowledgeable about the area and experienced in insurance matters can be of great assistance in achieving these aims.

Get Covered

Insurance seems more complicated these days, and getting multiple quotes on your own is a hassle. An insurance agent is waiting to help you find a number of Paterson auto insurance quotes and help you review the quotes and suggest options based on your needs and budget. This agent can get you auto insurance quotes from the right companies and advise you on suitability and cost.

Contact a local agent today for help and advice on your car insurance policy. Your agent will be available to assist you even after buy your policy.

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