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Question: Cheapest auto insurance in nj?

(Posted by: Manda on 2010-03-01 10:23:22)

What's the cheapest auto insurance company in NJ for someone who is a first time driver and doesn't have anyone elses insurance to go off of? I keep getting different quotes, rangeing between 200- 400$ a month, which is a little bit insane. Are these quotes just accounting for things that I don't really need?

Posted by: John on 2010-03-01, 10:27:48

Take a look at any one of these. search.yahoo.com/ search;_ylt= A0oGk8LjBoxLHCAAoi5hxrF_?p= cheap+ auto+ insurance+ rates &fr= ush-ans

Posted by: David W. on 2010-03-01, 12:33:57

The cheapest one is the one you find in the Yellow Pages; there's no one-size-fits-all cheapest. Don't try to cut the price by going with state minimum limits, though; they're a joke in every state and don't offer decent protection. Ask your agent or rep about increasing them to safer levels.

Posted by: James on 2010-03-02, 21:20:55

If you just let them arbitrarily quote you whatever coverages/ limits/ deductibles they like, then yes, it's quite possible those quotes provide for more than what you really need. On the other hand, as the earlier poster stated, don't settle for NJ state required minimum coverages. The minimum required coverages of every state are inadequate should you be involved in a serious auto accident. The repercussions of only having the state minimums could lead you to financial ruin in such a case. Also, keep in mind your quotes are based on more than just your being a first-time driver. Many other factors come into play, not the least of which is the year, make and model of the car you'll be driving.