Thursday, December 14, 2006

Cheap Car Insurance In New Jersey

Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers
are able to buy a basic car insurance policy in New Jersey - and what's
cheaper than purchasing the most basic car insurance policy available?

The Automobile Insurance Cost Reduction Act makes it possible for drivers to
get cheap car insurance in New Jersey by offering them a policy even cheaper
than the standard car insurance policy. The basic car insurance policy
includes personal injury protection of $15,000 per person, per accident, and
$250,000 per significant or permanent injury. However, the latter depends on
the policy definitions. It also includes property damage liability of $5,000
per accident.

Bodily injury liability isn't included in the basic insurance policy, but
it's an option. If a policyholder chooses to add bodily injury liability,
the policyholder will have $10,000 for everyone, per accident.

Uninsured motorist and underinsured motorist coverage aren't available with
the basic car insurance policy, nor is collision coverage or comprehensive
coverage. However, collision coverage and comprehensive coverage can be
added on, depending upon how the basic car insurance policy was issued.

As you can see, the basic car insurance policy in New Jersey, although it's
the cheapest car insurance in New Jersey, offers very minimal coverage;
however, it does offer important coverage, as well as additional features.
Those drivers with the basic car insurance policy in New Jersey have the
right to take legal action in the event of a motor vehicle-related accident,
whereas those drivers without any insurance don't have that right.

The basic car insurance policy isn't for everyone. Those drivers who choose
to obtain cheap car insurance in New Jersey by purchasing the basic car
insurance policy should do so only if they don't have much family
responsibility, they are just starting out in the work force, it is the
first car insurance policy they've ever purchase, or they can't afford any
other car insurance for whatever reason.


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