Why Cheap New Jersey Car Insurance Isn’t Always Better

Why Cheap New Jersey Car Insurance Isn’t Always Better

“We have the cheapest car Insurance in New Jersey!” Many different insurance companies will use this line to coerce you into doing business with them. The truth of the matter of is if you’re looking cut costs on your car
insurance, look at the facts. Cheap New Jersey auto insurance could actually end up costing you more down the road!

Any of our agents here will tell you – “Never shop for New Jersey auto insurance by price alone!” If you’re looking to get insurance, you want to make sure that you do get a great price along with exceptional service. You must remember to balance the two!

If you’re the type that will be easily sold on price alone, it could end up costing you big-time in the long run.Let’s take a look at one of the pitfalls of cheap auto insurance.

You’re probably not getting the coverage you need!

For example, say you settled for the gecko, and fallen prey to his slippery tongue of lies. They’ve provided you with a cheap quote on a New Jersey car insurance policy. But do you actually know what’s covered in the policy – and more importantly, what’s not?

Well as we’ve explained in previous blog posts, you need liability insurance, which covers the damage you cause to others or to property in the event of an accident, to legally drive.

However, collision and comprehensive coverage – which covers your car in the event of an accident, theft, vandalism, fire, and weather-related disasters like floods – is not required by law in the United States, according to the National Association of Insurance Commissioners’ (NAIC) website, which helps regulate insurance requirements.

Without that protection, you’ll have a lower rate. But what if you want protection from these types of accidents? You can expect your rate to rise accordingly.

So if you’re looking to avoid this pitfall give our agency a call today at (732) 680-4444 to learn how we give you the coverage you need at a great price!