18
Jul

Buying New Jersey Auto Insurance For The First Time?

Buying Auto Insurance For The First Time?

Don’t worry, we don’t bite! Buying New Jersey auto insurance for the first time shouldn’t be a scary process. You just need to know what to look for! Let American Insurance Services Agency tell you all
about buying New Jersey auto insurance, and what you should look for in your
policy.

What Type Of Coverage Should I Get?

Well the first thing to think about is how much coverage you should have. There are 4 basic kinds of coverage: liability, collision, comprehensive, and uninsured driver.
Most states require you to have liability and uninsured driver
coverage. Collision coverage will pay for your damages if you have an
accident that’s your fault. And a comprehensive policy protects your car from fire, theft, and disasters.

Ideally, you want all 4 kinds of coverage. But that all depends on your budget, and on your car, too. If your car
didn’t cost much to begin with, and doesn’t have much resale value, sometimes
collision and comprehensive coverage may not be worth it.

So before you buy a policy, make sure you know exactly what it
covers. Insurance policies are full of limitations and exclusions. You
don’t want to be driving around thinking you have coverage, only to get
in an accident and have your claim denied.

But that’s what an agent is for — to answer all of your questions. Speaking of which, if you have any right now about coverages types, or how we get you the most affordable rates on New Jersey Auto insurance call us today at (732) 680-4444!