Harrison, NJ, car insurance coverage plans

Car insurance is an important part of protecting your assets and avoiding financial challenges in Harrison, NJ. Although you are not required to purchase a large amount of coverage, you do need to comply with the state’s minimum standard and you may want to purchase additional protection if you are not sure about a particular policy.

Basic Policies

In the state of New Jersey, you can choose between a few different policies. The basic policy is the bare-bones plan that will only provide coverage for property damage and personal injuries.

Although the minimum standards are very low, you can purchase a basic plan with bodily injury protection as well. The additional coverage is not required, but it can help if you are worried about personal injuries or the injuries to your passengers if an accident occurs.

Standard Policies

A standard policy is a simple plan that focuses primarily on liability, but has some coverage for uninsured drivers and includes coverage for bodily injuries. The standard policy will usually exceed the amount of liability protection that is provided in a basic policy, but the amount can be adjusted based on your personal concerns.

Comprehensive Plans

You can purchase more comprehensive policies to protect against theft, damages that are not related to an accident and similar challenges that may arise. A comprehensive plan may not always include protection for collisions, so you may need to purchase additional coverage in case a crash occurs so that you can repair your vehicle.

There are several plans that are available to protect your vehicle. Depending on your concerns and goals, the best plan to meet your needs can vary, so you should always compare your options. To learn more about your coverage options, contact us to talk to an agent.

Get New Jersey insurance quotes from E.S.T.I.R. Inc.

Doesn’t it seem as though insurance agencies are everywhere? You can’t turn on a television without seeing ads for a dozen different companies. The truth is though, insurance is about relationships. Sure, you need to know without a doubt that your losses will be covered, but you also need to know that there is a live person you can ask questions of, someone with a vested interest in keeping you happy.

Here at E.S.T.I.R we don’t just want to sell you a policy. We want to know that we have a client for life and most important, that you know you have an agency for life. When it comes time to find insurance coverage in Newark, NJ we hope that you will consider speaking with us.

We can walk you through all the different types of insurance that are available to protect you, your property, and your family. Or, if you prefer, you can check out home and auto policies from the comfort of your home. Our online insurance quotes comparison tool allows you to type in what you are looking for and provides a number of different options, each from different carriers. This feature gives you all the time in the world to examine the amount of coverage different policies offer you at different price points. It offers you the peace of mind that comes with knowing that you shopped well for the policy that best fits your particular set of needs.

Best yet, we are an actual company with actual licensed insurance agents who are ready to answer your questions and help you examine policies that cannot be compared online. We can easily explain motorcycle, RV, boat, and recreational vehicle coverage.

When it comes to insurance you never have to feel you are alone.