You must have liability insurance, Personal Injury Protection(PIP), and uninsured motorist coverage. You must have your proof of insurance, either your id card or other authorized form available when you: are getting your vehicle inspected, if you are ever involved in an accident, if you are pulled over by a law enforcement officer, or you are stopped for a spot check. Failure to produce your proof of car insurance can lead to hefty fines, jail time, community service, the suspension of your insurance, and insurance fees. If you are caught in an insurance fraud/scandal, you can face jail time, fines up to $15,000, and the loss of your drivers license.

It is always better to follow the law of the state you reside in, rather than have to suffer through and consequences. Keep your car insurance up to date, pay your monthly premiums on time to avoid cancellation, and keep your ID card in your vehicle at all times.

New Jersey car insurance is very expensive, but it is a must have. We have created this new site for those people who MUST HAVE NJ Car Insurance , but dont want to spend a small fortune to have it.

If you shop and compare your rates every 90 days, you will $ave on average. Many carriers change rates as often as you change oil, so make sure you are taking advantage of their changes. Not always do rates go up, in some cases the rates go down, when a carrier is trying to get more market share, cover losses in other ares of their business and when thay want more coverage in local markets. NJ Car Insurance Quote