New Jersey Car Insurance

Additional coverage considerations in New Jersey

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages New Jersey drivers might consider:

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars. 
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
• Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
• Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

Key factors impacting New Jersey auto insurance rates

There are several factors that impact auto insurance in New Jersey, including individual circumstances, geographical location, coverage options and more. Here are some points to consider:

• Driving history: Your individual driving record plays a substantial role in determining your New Jersey auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations.
• Vehicle type: Your car’s make and model, safety ratings, repair costs and likelihood of theft can influence New Jersey car insurance rates. 
• Claims in New Jersey: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in New Jersey. 
• Weather patterns: Weather-related incidents impact New Jersey car insurance rates, particularly for comprehensive coverage, which includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with New Jersey car insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.¹ Here are some discounts New Jersey drivers may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defense driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your New Jersey policy premium up front.

If you’re a New Jersey driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.¹

Facts and figures about New Jersey

Facts and figures about New Jersey

• Thomas Edison invented the light bulb, phonograph and motion picture projector at his laboratory in Menlo Park, New Jersey. The Thomas Edison Memorial Tower in Edison is topped with the world's largest light bulb, which stands 13 feet tall.²
• New Jersey is one of only two states in the U.S. where it’s against the law for drivers to pump their own gas. New Jersey is also among the few states that restricts car sales on Sundays.²
• The first drive-in movie theater opened in Camden, New Jersey, in June 1933 as an alternative for those uncomfortable with traditional theaters.²

Facts about driving in New Jersey

• New residents with an out-of-state license must get a New Jersey license within 60 days, or 30 days for a commercial driver license (CDL), or before the current license expires, whichever comes first.³
• First-time teen drivers must complete the Graduated Driver License (GDL) Program. This program phases in driving privileges, requires supervised practice, and sets a minimum age of 18 for an unrestricted driver license.³
• New Jersey law mandates that drivers must make reasonable efforts to remove snow or ice from all exposed surfaces, including the hood, trunk, roof and windshield, before driving.³

With Amica, New Jersey drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.