Personal Automobile Insurance NJ
New Jersey drivers have diverse interests and needs regarding automobiles and auto insurance. Bogle Agency Insurance, based in Bergen County, NJ, and serving the entire state of New Jersey, has the right coverage to meet all those needs and more.
Personal Automobile owners in the state of New Jersey must carry a certain amount of auto insurance coverage. Did you know that this minimal requirement offers no coverage for repairs or replacement of your own vehicle in the event of an accident? Whether you need an individual auto insurance policy or a business auto insurance policy, you’re going to need to go beyond the state minimum to sufficiently protect your vehicle!
What Type of Auto Insurance Do NJ Drivers Need?
The problem with automobile insurance for the average person is that it’s difficult to guess how much coverage, or what type of coverage you actually need. While you do not want more coverage than is necessary, you also don’t want to find out your insurance coverage is insufficient to meet your needs after an accident.
It is why it’s so important to work with dedicated, professional agents, like ours. You want to make sure you’re getting the right coverage for the right price that protects your interests best. These are some of the types of coverage you’re likely to need as a driver in New Jersey.
• Bodily Injury Liability
• Medical Payments Coverage
• Property Damage Liability
• Comprehensive and Collision Coverage
• Uninsured/Underinsured Motorist Coverage
Depending on your driving history and the areas where you live, work, and drive on a daily basis, your coverage needs may vary. Discuss your situation with one of our friendly, knowledgeable agents, and we can help you get the right automobile insurance coverage for your circumstances.
Lowering Personal Auto Insurance Costs In NJ
For most families, auto insurance is an expense you’d like to keep as low as possible – without sacrificing coverage. This means that you’re looking for ways to save money or cut costs on your insurance. These are a few ideas to consider to lower your car insurance obligations.
Bundle Policies- Many carriers offer discounts to customers who purchase multiple policies.
Switch Vehicles- Some makes and models have higher insurance costs. Switch from a high-cost model vehicle to one that has lower costs for substantial savings.
Invest in Car Security- Car theft remains a problem insurers are concerned about. Take steps, such as auto alarm systems and GPS tracking, to make your car a less likely target or to aid in a faster recovery time.
Increase Deductibles- Raising your deductibles means you’ll pay more out of pocket when an accident occurs. This can save you a great deal of money on your monthly premiums.
Practice Safe Driving- Safe drivers often receive discounts on their policies. Insurance companies set premium rates based on risk. Safer drivers pose fewer risks to insurance companies, who often reward them with discounted premiums.
Work with an Agent- Our agents at Bogle Agency Insurance are aware of the many discounts available to drivers and trained to help you identify areas where you can cut costs while still receiving outstanding insurance coverage.
Bogle Agency Insurance has been serving the insurance needs of New Jersey families since 1919. We have been honored with the designation of “Best Practices Agency” for 19 consecutive years. We believe this is due to our commitment to protecting New Jersey families by offering the right insurance options for their needs. Contact us today at (201) 939-1076 to discuss your auto insurance needs and learn how we can help you get the coverage you need to meet them.