NJ Car Insurance
All registered private passenger autos are mandated by NJ law to maintain NJ automobile liability insurance, N.J.S.A. 39:6A et seq. Personal NJ auto insurance coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement - N.J.A.C. 11:3-16 Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard/Nonstandard Regulation - N.J.A.C. 11:3-19 Underwriting Guidelines - N.J.A.C. 11:3-35
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Insurance Tidbits
Finding the best NJ Car Insurance coverage and lowest prices for auto insurance deals is not that difficult to shop for. Rates vary widely from company to company. To help make shopping, comparing rates and saving money on your insurance easier, we provide free NJ auto insurance comparison rates 24 hours a day seven days a week. Get competitive non biased help and free quotes from our consumer comparison rating service any time day or night, over the Internet. Spend a couple of minutes answering a few questions about yourself, your driving record, vehicle information and insurance needs. Local NJ Insurance Agents will tell you how much their company would charge you for an annual premium for your automobile insurance, in addition to rate comparisons from other major New Jersey auto insurers including most household name brand insurance companies in your specific NJ zip code.
NJ PAIP Advice
Getting yourself out of the NJ high or NJ assigned risk driver pool category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time such as mortgage payment or personal loans. And some factors will fade with time. Most insurance companies rate a driver with no points for three years as a good or preferred risk. But there are a few things you can do to cut high risk auto insurance costs now! Consider driving an older auto or used car to help personal finance and dropping collision and comprehensive coverages. Or, if you can accept the risk, carry lower amounts of other standard coverages. And don't forget that shopping online is a great way to access assigned risk automobile insurance NJPAIP certified producers and companies that serve Local Consumers in our area.
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Get NJ Car Insurance Quotes
Get your New Jersey Car Insurance or NJ Home Insurance quote started even if it is 3 A.M. in the morning. You should think about naming your NJ Group Health Insurance as your P.I.P primary and save yourself some money and have better medical coverage in case you need to have medical treatment after an accident.
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NJ Car Insurance Consumer Resources Help
New Jersey cars are among the most to insure in the country. Spend a little time and save yourself and your family some money. At NJCarInsurance.Org we will provide you with the online tools and information you need to maintain the appropriate coverages. An educated NJ Insurance consumer is a happy money saving consumer.
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NJ Insurance Eligibility Points and NJMVC Points that affect car insurance rates.
Schedule of NJ CAR Insurance Eligibility Points
- 39:4 50 Operating a motor vehicle under the influence of alcohol or drugs 9
- 39:4 50.4 Refusal to submit to a chemical test 9
- 2C:11 2 Vehicular homicide 9
- 39:3 40 Operating a motor vehicle while driving privilege is suspended 9
- 39:6B 2 Operating a motor vehicle without liability insurance 9
- 39:6A 15 Misrepresentation of insurance coverage 9
- 39:3 37 Obtaining a driver's license or; registration through deception 5
- 39:3 38 Make or use counterfeit plate or plates other than issued 5
- 39:3 38.1 Make, alter or counterfeit driver's license or registration 5
N.J.S.A. DMV-MVC Offense Points
- 27:23-29 Moving against traffic - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 2
- 27:23-29 Improper passing - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 4
- 27:23-29 Unlawful use of median strip - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 2
- 39:3-20 Operating constructor vehicle in excess of 30 mph 3
- 39:4-14.3 Operating motorized bicycle on a restricted highway 2
- 39:4-14.3d More than one person on a motorized bicycle 2
- 39:4-35 Failure to yield to pedestrian in crosswalk 2
- 39:4-36 Failure to yield to pedestrian in crosswalk 2
- 39:4-41 Driving through safety zone 2
- 39:4-52
- 39:5C-1 Racing on highway 5
- 39:4-55 Improper action or omission on grades and curves 2
- 39:4-57 Failure to observe direction of officer 2
- 39:4-66 Failure to stop vehicle before crossing sidewalk 2
- 39:4-66.1 Failure to yield to pedestrians or vehicles while entering or leaving highway 2
- 39:4-66.2 Operating a motor vehicle on public or private property to avoid a traffic control signal or sign 2
- 39:4-71 Operating a motor vehicle on a sidewalk 2
- 39:4-80 Failure to obey direction of officer 2
- 39:4-81 Failure to observe traffic signals 2
- 39:4-82 Failure to keep right 2
- 39:4-82.1 Improper operating of vehicle on divided highway or divider 2
- 39:4-83 Failure to keep right at intersection 2
- 39:4-84 Failure to pass right of vehicle proceeding in opposite direction 5
- 39:4-85 Improper passing on right or off roadway 4
- 39:4-85.1 Wrong way on a one_way street 2
- 39:4-86 Improper passing in no passing zone 4
- 39:4-87 Failure to yield to overtaking vehicle 2
- 39:4-88 Failure to observe traffic lanes 2
- 39:4-89 Tailgating 5
- 39:4-90. Failure to yield at intersection 2
- 39:4-90.1 Failure to use proper entrances to limited access highways 2
- 39:4-91
- 39:4-92 Failure to yield to emergency vehicles 2
- 39:4-96 Reckless driving 5
- 39:4-97 Careless driving 2
- 39:4-97a Destruction of agricultural or recreational property 2
- 39:4-97.1 Slow speed blocking traffic 2
- 39:4-97.2 Driving in an unsafe manner (points only assessed for the third or subsequent violation(s) within a five year period) 4
- 39:4-98
- 39:4_99 Exceeding maximum speed 1_14 mph over limit 2
- Exceeding maximum speed 15_29 mph over limit 4
- Exceeding maximum speed 30 mph or more over limit 5
- 39:4_105 Failure to stop for traffic light 2
- 39:4_115 39. Improper turn at traffic light 3
- 39:4_119 Failure to stop at flashing red signal 2
- 39:4_122 Failure to stop for police whistle 2
- 39:4_123 Improper right or left turn 3
- 39:4_124 Improper turn from approved turning course 3
- 39:4_125 Improper "U" turn 3
- 39:4_126 Failure to give proper signal 2
- 39:4_127 Improper backing or turning in street 2
- 39:4_127.1 Improper crossing of railroad grade crossing 2
- 9:4_127.2 Improper crossing of bridge 2
- 39:4_128 Improper crossing of railroad grade crossing by certain vehicles 2
- 39:4_128.1 Improper passing of school bus 5
- 39:4_128.4 Improper passing of a frozen dessert truck 4
- 39:4_129 Leaving the scene of an accident
- No personal injury 2
- Personal injury 8
- 39:4_144 Failure to observe "stop" or "yield" signs 2
- 39:5D_4 54. Moving violation Out of State 2
- Each at fault accident 5
- Failure to verify insurance involved in an automobile accident 2
- For each full year of a court imposed driver's license suspension 3
- Involved in a fatal accident 4