Where can you get help NJ car insurance when you are considered high risk or non-standard driver? Right Here!
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We know how hard it can be when you spend several hours looking for high risk car insurance advice and quotes. We’ll help take the worry out of your day by offering you a couple of options from top local, regional and national insurance companies that may want to offer you a policy.
• You can shop for NJ Car insurance at any time – not just when your policy is up for renewal, and if you find a better price, you can cancel your old policy and seek a refund of your unused premium payments made.
• You have the right to change your coverage’s and policy limits at any time, even if you are not near your renewal date. If you select options that save you money, you have a right to a refund of your unused premium within 60 days.
There are two common types of auto insurance policies in New Jersey. They are referred to as STANDARD and BASIC. Both offer options as well.
STANDARD POLICY — The Standard Policy provides a number of different coverage options and the opportunity to buy additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers.
BASIC POLICY — The Basic Policy usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job).
Source and credit to NJPAIP.Net