Tips to Help You Select the Right New Jersey Auto Insurance Plan

If you own a car in the Bloomfield, NJ area, you will likely know that you need to have a proper insurance policy. With the right insurance, you can protect your car, stay in compliance with any obligations, and reduce your liability risk. There are various tips that you should follow that can help ensure you pick the right insurance plan for your situation. 

Consider Needs 

A vital factor to consider as you are looking for coverage is to assess your needs. All people are going to have different auto insurance needs. For some people, having a full collision and comprehensive plan is necessary to protect their vehicles. For others, having just a liability plan is acceptable. It is crucial that you consider your insurance obligations and needs when building your plan.

Deductible

An insurance deductible is the amount of money you have to spend out of pocket before the company will pay for a claim. Generally, the higher the deductible, the lower your premiums will be. However, if you file a claim, you will have to spend more money if you have a higher deductible. It is vital that you properly consider the right deductible for your situation and ensure you keep the right amount of money aside if you need to file a claim. 

If you are looking for a new insurance plan for your car, you will want to speak with someone you can trust. Those residing in the Bloomfield, NJ area will find that E.S.T.I.R. Inc. is an excellent resource for all of your auto insurance needs. When you call E.S.T.I.R. Inc., they can help you evaluate all of your options and needs when choosing your next insurance policy. 

Safe drivers need to have this auto insurance benefit!

The folks at E.S.T.I.R. Inc. want to make sure that the greater Bloomfield, NJ community residents have the insurance protection that they need. If you aren’t sure if your auto policy provides all of the features and benefits you want and need, call us today. We can review your current policy for completeness and ensure that you have a policy that’s right for you.

Are you enjoying this safe driver benefit?

Having a safe driving record is a great accomplishment, and several insurance providers want to reward safe drivers. If you have a stellar driving record, it’s time to enjoy the available benefits! The safer the driver, the less likely they will file an insurance claim. This helps to save insurance companies money, and they want to encourage safe drivers to stay with them.

You can enjoy rewards like decreasing premiums if you have a clean driving record.  As your safe driving record grows longer, your insurance premiums will start to go down. It is even possible to have a zero-dollar premium with some companies! Who wouldn’t love to have insurance coverage without paying a premium?

Want to find out more? Give your local insurance agent a call, and they can help you enjoy this great feature as long as your driving record continues to be free of any accidents or mishaps. This is a great benefit to have.

You can count on us!

Bloomfield, NJ area residents turn to E.S.T.I.R. Inc. for their insurance needs. If you would like to find out more about our policy options in our area, give us a call or stop by our office today!

Why You Need Comprehensive Auto Insurance

When searching for automobile insurance, you may be confused by all of the terms, and what they cover. The most basic plans only cover liability, which will cover medical bills. It doesn’t cover any repairs to your vehicles.

If you want more protection, you may want comprehensive automobile insurance. Here are some reasons why you should. 

Your loan may require it. If you have to take a loan out to purchase your vehicle, they may require comprehensive insurance. They want to make sure that they aren’t going to lose money on your vehicle if something happens to it. 

You may want to have comprehensive insurance if you can’t afford to replace your vehicle. If your vehicle is a high-end vehicle, you are going to want comprehensive insurance, so you don’t have to replace it if something happens. 

Comprehensive insurance covers damage that may occur that is not due to a car accident. It covers damage due to vandalism, theft, and even rodents. It covers weather damage, such as hail, floods, and fire. If you live in an area where accidents with deer are common, you may want comprehensive insurance to cover the cost of repairs. 

If you are trying to figure out how much insurance you need, you may not have a choice. Your lender may require comprehensive insurance. You may also want to think about it if your vehicle is more expensive than most. You aren’t going to want to have to take out a loan in order to fix your vehicle. 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Who should get auto coverage in New Jersey?

Most people in the Bloomfield, NJ area are going to find that vehicle ownership is a good idea. With a car, you will have an easier time getting around the community and handling your personal responsibilities. If you are going to look for a vehicle in this area, spending time assessing your insurance needs is also important. There are various situations when getting this coverage will be necessary.

When Driving a Car

If you intend to drive a car on a public road when you are in this area of New Jersey, you are going to need to have auto insurance protection. This state requires that all motorists continue to carry liability insurance protection when they go out on a public road. With this support, you will have protection and coverage if you cause damage in a collision. If you don’t carry it, you will still be responsible for damages and will be in violation of state law.

When Financing a Vehicle

You also need to get this coverage if you want to finance your vehicle. Taking out auto loans is a good idea for a lot of vehicle owners. When you decide to take out a loan to buy a vehicle, you need to understand your insurance requirements. Most of the time, you will need a full plan with comprehensive coverage. 

Any vehicle owner in the Bloomfield, NJ area will want to know that they have the right auto coverage in place. If you want to get an insurance plan in this area, you would benefit greatly by calling the team with E.S.T.I.R. Inc. The insurance team with E.S.T.I.R. Inc. understands the benefits of this coverage and can help you identify your needs. This will be a great first step when it comes to building your next auto insurance plan. 

Required Auto Insurance for New Jersey

While every state has its own mandated coverage minimums for auto insurance, New Jersey’s laws are unique. The state allows for residents to have one of two different kinds of insurance policies. These are the basic policy and the standard policy. This can make it a bit more complicated to choose your auto insurance policy, but you can talk to an insurance agent about the choice. Just give us a call at E.S.T.I.R. Inc. in Bloomfield, NJ.

The Basic Policy

If you choose a basic policy, it will have smaller minimums than the standard policy. With a basic policy, you don’t have any bodily injury liability coverage, but there is some available if you want to add it to the policy. The basic policy has a small amount for property damage liability, paying for the damage you to do other people’s property. With a basic policy, you can’t add anything to this amount. There is a set amount in a basic policy for personal injury protection. This is payment for any injuries that you receive in an accident. This amount can’t be added to. Uninsured motorist coverage is not available with the basic policy. There is also no collision or comprehensive coverage, though it’s possible to get this added to the policy.

The Standard Policy

One of the biggest differences between a basic policy and a standard policy is that the standard policy allows you to add coverage onto the state-mandated minimums. A standard policy has bodily injury liability coverage for one person who is injured in an accident and a higher amount available for all those who are injured. You can add to this coverage as much as you see fit. Standard policies also have a small amount of property damage liability, and you can add to that as well. Uninsured motorist coverage isn’t required, but it is available if you want it. Comprehensive and collision coverage are also not required but available. 

Cover Your Vehicle

To get your auto policy, call us at E.S.T.I.R. Inc. in Bloomfield, NJ. 

How Much Auto Insurance Coverage Do I Need?

If you have faithfully been renewing your auto insurance premium — congratulations! However, at E.S.T.I.R. Inc. in Bloomfield, NJ, we have seen many clients walk away with uncovered expenses following an auto accident because they carry inadequate coverage. Given these ugly incidences, it’s time to step back and ask: how much auto insurance do I need? Establishing the right amount of auto insurance you need helps you plan before it’s too late. 

Here is a guide to help you establish the amount of auto insurance you need in New Jersey.

One that satisfies your state requirements

Most states require motorists to include certain coverages in their auto insurance. For instance, New Jersey requires all motorists to carry liability insurance and personal injury protection (PIP) coverage in their car insurance. For any motorist, this becomes the basis of determining the amount of auto insurance you need.

As a rule of thumb, meeting your state-required minimums is not negotiable. This compliance helps you avert penalties and fines for not carrying valid auto insurance. 

How much collision and comprehensive coverage do I need?

These coverages pay for repairs or replacement of your car when it’s physically damaged. But how much do you need? You need coverage that takes care of your damages after factoring in your deductibles.

How much liability insurance should I buy?

While meeting the state requirements is superb, you need to increase your liability coverage for optimal protection. The amount of liability insurance to buy is one that can comfortably cover your lawsuits. For instance, a 250/500/100 coverage would be better than the 15/30/5 required in New Jersey. However, if you need more coverage, umbrella insurance would be perfect for you.

How much Personal Injury Protection (PIP) coverage do I need?

Well, it depends on whether you have a health insurance plan. While in some states, it’s optional, PIP is mandatory in New Jersey. You can stick to the state-required minimum if you have a good health insurance plan. But considering PIP is a good thing since it offers additional perks compared to health insurance. For instance, it covers partial loss of wages. 

Still unsure of how much auto insurance you need in Bloomfield, NJ? Please contact E.S.T.I.R. Inc. for more information.

Who needs auto insurance in New Jersey?

Those that are in the Bloomfield, NJ area will find that it will always be helpful to own a car. When you are a vehicle owner here, you will have an easy way to get around the area. If you do decide to invest in a vehicle, you need to protect it with insurance. There are situations when someone will need to have this coverage in place on their car.

When Financing Purchase

A common situation in which having an auto insurance plan is going to be necessary is when you are financing the purchase. The purchase of a car can be a big one. Due to this, a lot of people have to take out a loan when they buy it. Anyone that has an outstanding auto loan will be required to carry an auto insurance plan at all times. This includes having collision and comprehensive protection, which can help to mitigate many risks including theft or accident damage. 

When Driving on Public Roadways

You should also have proper coverage for the car when you want to drive a vehicle on public New Jersey roadways. Anyone that would like to drive a car in this state has to follow state rules around liability insurance. If you do not keep this coverage in place at all times, you could be in violation of state law and face a variety of consequences. 

Car owners in the Bloomfield, NJ area should spend proper time assessing their coverage needs. As you are looking for coverage, you should call E.S.T.I.R. Inc. There are a lot of important factors to consider and the team with E.S.T.I.R. Inc. will ensure you are able to make a wise choice based on your needs and to provide you with comfort and peace of mind. 

Required Auto Insurance in New Jersey

There are many different types of auto insurance that are required for New Jersey drivers. Each state has its own requirements, and New Jersey has far more types of coverage required than most states. Call our E.S.T.I.R. Inc. office in Bloomfield, NJ to make your appointment with an agent to discuss your auto coverage. 

Standard and Basic Policies

In New Jersey, drivers have the choice between a basic insurance policy and a standard policy. Both meet the requirements for legal driving in the state. The basic policy requires a set minimum for property damage liability, another minimum amount for personal injury protection and a much higher minimum amount for protection against significant or permanent injuries.

The numbers are coverages are slightly different for the standard policy. This policy requires a set minimum for bodily injury liability per person injured as well as a higher minimum for everyone injured. It has another, the lower amount for property damage liability. It also includes coverage for underinsured or uninsured motorist bodily injury that has one set minimum for each injured person and another amount set for everyone injured. There is also personal injury protection that is in the same amount as in the basic policy. There is also coverage for personal injury protection for significant or permanent injuries. 

Other Insurance Coverage

In addition to the many types of insurance covered in these plans, there are also options and other coverage types that you can add onto your insurance. For instance, collision insurance, which covers your own vehicle, is an option that some drivers choose to have. 

Talk to an Agent

If you want to speak to an agent about your insurance needs, call our E.S.T.I.R. Inc. office in Bloomfield, NJ to make your appointment with one of our knowledgeable agents who can help you. It’s always best to have the auto coverage you need in case the worst should happen. 

Required Auto Insurance in New Jersey

In New Jersey, having car insurance is mandatory, and it comes with several minimums that your insurance policy must meet. The state is a no-fault state that results in your insurance coverage paying for your medical bills from an injury even if you are at fault for the accident. If you need auto insurance in New Jersey, contact us at E.S.T.I.R. Inc in Bloomfield, NJ to find out more. 

State Minimum Insurance Coverages

In New Jersey, there are hefty penalties for not having car insurance, and that can include jail time. To avoid punishment, you need insurance that meets the state’s mandatory minimums for each required coverage type. There is a specific minimum amount that you have to have to pay for each person’s bodily injury as well as an amount for all of the bodily injuries that are caused by the accident. You also have to have a specific amount to cover your liability for property damage. Another mandatory coverage type is a specific minimum amount for covering bodily injury to an uninsured motorist. There is also coverage required for property damage done during an accident with an uninsured or underinsured motorist. 

Other Auto Coverage

When you have all of the state’s required minimums for coverage, you don’t have any protection for your own vehicle’s damage. Collision and comprehensive insurance cover your vehicle, though it isn’t mandatory to carry this coverage. It’s a good idea to have it, however, as without it you would have to pay for all of your vehicle repairs out of pocket. 

Make Your Appointment

To get the auto coverage you need, contact us at E.S.T.I.R. Inc in Bloomfield, NJ, and make your appointment to talk to an insurance agent about the best coverage for you. 

Auto Insurance Tips To Assist New Jersey Drivers During The Winter

E.S.T.I.R. Inc. provides insurance coverage to the Bloomfield, NJ community, as well as the surrounding areas. We strive to establish long term relationships with our clients. As an independent agency, we can help you find a custom policy specifically designed to suit your needs.

Auto Insurance Tips For The Winter

Auto insurance protects your vehicle as you travel around Bloomfield, NJ. The policy covers your vehicle if it is damaged or stolen. Comprehensive coverage is an asset if your vehicle gets damaged due to a natural disaster or is stolen. While you are preparing for the winter, here are things to consider regarding your auto insurance policy.

Check Your Tires

During the winter, driving becomes extremely dangerous at times. The likelihood of you being involved in an accident increases. However, one of the main ways that you can prevent a potential collision is by performing proper maintenance on your tires. Make sure that your tires have the appropriate air pressure to stabilize your vehicle. As the weather gets colder, your tires will start to lose pressure. You may need to replace all of your tires in order to ensure that you are safe on the road.

It is also important to make sure that the internal parts of your car are working properly. Schedule an oil change and check the fluids in your engine. Make sure that you have a good supply of antifreeze. Consider scheduling a tune-up as well.

During inclement weather, it can be difficult to see things clearly while you are driving. Make sure that you have a case of windshield wiper fluid and all of your lights are working properly. This will drastically reduce the likelihood that you will be involved in a collision with another vehicle while you are driving.

E.S.T.I.R. Inc. Will Help You Protect Your Vehicle

Visit our website to learn more information about auto insurance.