In New Jersey, Auto Insurance is required.
Hauswirth & Sons Insurance Consultants represents several top auto insurance carriers to bring you choices. Representing a variety of insurance companies means our agents can quickly compare policies to find the best coverage, discounts, and price for you.
All too often, drivers do not discover the importance of having adequate limits on their auto insurance until after they are involved in an accident. During this economy, we are all concerned about saving as much money where we can. However, we can advise you from previous examples that trying to cut corners on your auto insurance coverage may cost you much more in the long run. Once you are involved in an accident and are sued by the other party involved you will be wishing you had talked to an agent at Hauswirth & Sons Insurance Consultants about your coverage limits.
Ways to keep costs down without skipping on the coverage.
Factors such as your driving record, type of vehicle and the purpose of your vehicle may provide discounts on your auto insurance. Most auto insurance carriers also offer many other discounts specific to their company. Depending on the carrier, this could include a discount for owning a home or a discount for payment in full. As your agent, we will seek out any and all discounts because it is our job to make sure you have the best possible protection at the lowest premium available.
Another way for us to ensure that you have the best protection at the lowest premium available is to examine your necessary coverage levels. There are several different levels of coverage that make up an auto policy that you may not know about:
- Bodily Injury Liability - This is required by the State of New Jersey. It provides coverage to an accident victim in the event of a law suit.
- Property Damage Liability - This covers the cost of any damage that your vehicle causes to another person’s property. While this usually refers to the other vehicle involved in an accident, it also includes houses, garages, and anything else that counts as property.
- Uninsured / Underinsured Motorist - This pays for the damages that result from an accident caused by an uninsured motorist, which can happen more than you would imagine. This will also pay for any damages that cost more than what an underinsured motorist’s coverage will pay towards the accident.
- Personal Injury Protection - This offers medical coverage for the policyholder and his or her family in the event of a collision, regardless of fault. It will also provide coverage for pedestrians who are hit by a vehicle. Many options are available to provide funeral expenses or other important coverage's needed when you or a family member are hurt and can no longer work.
- Collision - Covers damage done to your vehicle when it collides with another vehicle or object.
- Comprehensive - Covers damage to your vehicle resulting from something other than a collision. Examples for this would be hitting a deer, broken windshields, theft or flood.
- Other Miscellaneous Coverage - Depending on the insurance provider, we can offer other coverages for auto insurance.
As independent agents we can provide you with literally hundreds of combination's of coverage from several different insurance carriers. We are not limited to just one insurance company so, please, contact us today! As your insurance agent, we will provide you with a free quote with the best coverage at the lowest possible premium.
New Jersey requires insurance on your vehicle, do not be one of the uninsured motorists. Give our office a call for a fast and free insurance quote today or fill out a free online quote.