Find the Right NJ Insurance Agent
and the Right Insurance Quote online
iQuote connects you with the right agent for you and the insurance you need. Whether you are looking for affordable:
•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.
Just tell us:
•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.
So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.
You won't be contacted by every agent on the Web
iQuote helps you locate a local insurance expert in New Jersey. We also protect your information. When you search for a insurance quote online with iQuote, you’ll hear from one New Jersey Insurance Agent who knows you and your area.
Understanding NJ Auto Insurance
and NJ Marine Insurance
Minimum requirements for New Jersey Auto Insurance and NJ Marine Insurance include:
•Comprehensive/Collision
•Medical
•Uninsured/Underinsured
Liability is perhaps the most imperative section of your policy and insures you for any damage you may do to another driver's car, boat, property or bodily injury for which you may be responsible in an accident.
Comprehensive/Collision is the area of your policy that details how much coverage you have for repairing or replacing your own vehicle if it is damaged in an accident or some other way such as vandalism or flood. This does NOT usually cover damage caused by animals like deer that may wander inconveniently into the roadway.
The Medical Coverage section of your New Jersey Car Insurance or NJ boat insurance policy details any payment for medical treatment you as the driver or your passengers may require following an accident. Personal Injury Protection (PIP) is included in this section when it is a state requirement as it is in New Jersey.
Uninsured/Underinsured is a provision in your policy that will protect you if you have an accident with an uninsured driver or boater. Without this section, you could end up paying for an accident caused by someone else.
Your New Jersey Insurance agent will be able to explain all of these sections to you in further detail.
Just fill out our registration and we'll connect you
Evaluating your Auto Insurance
or Marine Insurance Needs
It is very important to consider how much coverage you may need in each of the four major sections of your policy in the event of an accident or damage to your car, boat or watercraft.
Liability – This is the largest exposure you have in the event of an accident, particularly when there are injuries involved. As a result, sufficient coverage is a must. A typical suggestion is to cover yourself for at least your current net worth. Some New Jersey Insurance agents will suggest doubling that amount. It is common to put a cap on the amount paid out for each accident.
Comprehensive/Collision – This depends entirely on the value of the car you drive or the boat you operate. A good rule of thumb is to insure to the book value of the vehicle and subtract your deductible. If your car, boat or watercraft is not worth very much, you may be better served putting the money you would spend on insurance each month into savings for a new car. If you are leasing your car, there may be a required level for your NJ Auto Insurance policy.
Medical – Drivers who have medical insurance that covers injuries from auto accidents may opt to not add coverage under a NJ Auto Insurance policy, but having sufficient coverage can be a great help in the unfortunate event of a severe accident.
Uninsured/Underinsured – Different levels of insurance are available under this heading, but it is important to have this coverage or you may end up being held liable for the cost of an accident caused by another, uninsured driver or boater.
Fill out our short registration form and iQuote will put you in touch with a NJ insurance agent in your area who will walk you through your options.
Auto and Marine Insurance FAQ
What is Auto Insurance?
Your New Jersey Auto Insurance policy, or Marine Insurance policy, can protect you from the cost of damage and medical bills resulting from an accident. It can also help you replace your car if it is stolen or cover the cost of repairs if it is damaged by vandals or in an accident. Make sure you have the right coverage and you'll have no worries.
Who needs NJ Auto Insurance?
Anyone who owns or leases a car needs New Jersey Auto Insurance. Driving without insurance is a risk no driver should take and the reason most policies need to have an uninsured/underinsured section in them.
How much is enough?
The Liability section is the most important section of your NJ Auto Insurance policy and covers you against any damage or injury you may cause in an accident. Collision covers repair or replacement of your own car. The Medical section covers any injuries that need to be treated after an accident. It is important to have enough coverage to pay for these expenses. See Evaluating Your Needs for more details.
How much does it cost?
The cost of Auto Insurance varies wildly from state to state based on an even wider range of factors, which is why it is so important to have a local NJ insurance agent to help walk you through your options. Fill out the brief iQuote registration and we will put you in touch with the right agent for your needs.
What makes NJ Auto and Marine Insurance through iQuote different?
iQuote connects you with the right agent and the NJ Auto Insurance or NJ Marine Insurance you need. Answer just a few short questions including how much you want to pay and we hand pick a local insurance expert who will contact you directly by phone, email or mail depending on your choice. We protect your information so you won't be contacted by every agent in the business. You'll hear from one New Jersey agent who knows you and your area.
"iQuoteNetwork helped me locate several NJ Auto insurance agents close to me. There are many Auto insurance companies to choose from and allowing me
to find the right one helped me save
time and money.
The iQuoteNetwork process was simple!"
— Stephen Reinhold, Cape May, NJ
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