Tips to Help Keep You Safe When Driving in the Rain

Winter weather can bring rainstorms with it. Unfortunately, the number of car accidents increases when it rains, as roads are slick. At E.S.T.I.R. Inc., providing residents in the greater Bloomfield, NJ area with auto insurance, we want to help you stay safe while driving in the rain.

Here are a few tips you should keep in mind if the weather forecast calls for rain in your area. 

Make Sure You Have Enough Tread on Your Tires

Before you head into the rainy season, it is always recommended that you check the tread on your tires and ensure enough tread. If your tires are worn, you are more likely to slip and slide on the road during a rain storm. Replace your tires as needed to help prevent this issue. 

Replace Your Windshield Wipers

It is also recommended that you check your windshield wipers before the rainy season and replace them if needed. You want to ensure your windshield wipers can remove rain without smudging or smearing it, helping you to see the road clearly. 

Drive Slower Than the Posted Speed Limit

Lastly, slow down when you are driving in the rain. Going a little bit slower can help you avoid accidents when driving in wet, slick, or icy conditions. 

All of the above tips will help you to stay a bit safer when you are driving in the rain. However, you cannot prevent every car accident from happening. This is why having auto insurance is so important. The right policy covers you in case the unexpected happens. If you are looking for a new auto insurance policy, the team at E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, would love to help you. Call us now to discuss your auto insurance needs and the type of coverage that is right for you. 

What Is Covered by Auto Insurance?

Auto insurance is an essential purchase for anyone who owns a vehicle. Not only is it required by law in many states, but it can also save you from financial ruin in case of an accident. But what exactly does auto insurance cover? This blog post will look at the different types of coverage and what they mean for you. Whether you’re a first-time buyer or simply looking to switch providers, this is everything you need to know about auto insurance.

Collision Damage

Most people are familiar with the basics of auto insurance, but many different types of coverage are available. One of the more essential types of coverage is collision damage. This protects you financially if you’re in an accident and your car is damaged.

Collision damage can be expensive to repair, whether a fender bender or a serious wreck. That’s why having collision coverage can be so important. It can help you avoid having to pay out of pocket for repairs. If you have an older car, collision coverage may not be worth the cost. But it’s definitely something to consider if you have a newer car. Talk to your insurance agent about whether collision coverage is right for you.

Property Damage

Another important type of coverage is property damage. This protects you if you damage someone else’s property in an accident. For example, let’s say you’re in a car accident and hit a building. If the building is damaged, your property damage coverage will help pay for the repairs.

Property damage also includes other people’s property, their cars, or homes, that are damaged in an accident that you are involved in. If you are at fault for an accident, your auto insurance will pay for the damage you caused. If you are not at fault, your insurance will still pay for the damages, up to a specific limit. Sometimes, you may have to pay a deductible before your insurance pays for the damages. Depending on your policy, property damage coverage may also cover rental cars, towing charges, and other expenses.

Vehicle Theft

If your car is stolen, your insurance will cover the cost of replacing it. In most cases, the insurance company will reimburse you for your car’s actual value minus any deductible. Some policies also provide coverage for personal belongings in your vehicle at the time of the theft.

To collect a vehicle theft claim, you will need to file a police report and provide your insurance company with a copy. If you have any questions about what is covered by your policy or if you need to file a claim, be sure to contact your insurer.

Now You Know What Is Covered by Auto Insurance

We hope this blog post has helped you understand the different types of coverage available. Remember, auto insurance is essential, so shop around and compare rates before you buy. And if you’re looking to purchase auto insurance in Bloomfield, NJ, be sure to contact E.S.T.I.R. Inc. We’re here to help you find the right policy for your needs.

Required Auto Insurance in New Jersey

In New Jersey, many different types of insurance coverage are required to be in your auto insurance. Every vehicle owner must have auto insurance in the state, and the state has a no-fault system. This means that there are many rights to sue over damages that are not there. In this no-fault state, your insurance will pay for your injuries until you reach your maximum limit, no matter who was the cause of the accident. Call us at E.S.T.I.R. Inc. in Bloomfield, NJ, if you need auto insurance.

Require Coverage Types

Several coverage types are required, and even more, different amounts are required to be included in every policy. Bodily injury coverage is needed, and two amounts are required for it. The first is a certain amount of coverage for one person who becomes injured in an accident, and the second is a higher specific amount required for everyone in the accident who was injured. There is also a small amount required for property damage liability. Different amounts are required for this coverage if you are in an accident with an uninsured motorist. There is an amount for one person injured and another for everyone injured. Insured motorist property damage coverage is also needed, and the deductible for that coverage has a specific mandated amount. 

How Much Coverage?

In New Jersey, the amounts required for minimum coverage are tiny compared to most other states. It’s often recommended that you get more than the mandatory minimum to be well-covered in case of a severe accident. 

Cover Your Vehicle

Don’t go without auto coverage. If you don’t yet have the auto insurance you need, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.

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.