Auto Insurance
Auto Insurance Quote Forms
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Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
New Jersey Auto Insurance
Personal service, low rates and expert advice you deserve...
There are several ways to save money in New Jersey, but there is only one way to save money on your NJ car insurance. The Giovanetti Agency offers professional advice at an internet price! A NJ insurance professional can provide you with a fast free no-obligation price comparison quote. We compare quality insurance at great rates so you get the most affordable insurance options available in New Jersey. Ask about our discounts!
It doesn't matter if you are a good driver with a perfect driving record or if you have several tickets and accidents and are a high-risk driver, we work hard to find you the best rates available in New Jersey. We compare the rates of multiple, reliable companies and get you a free quote immediately online, or over the phone. Call us today at 856-231-7500 to speak with one of our New Jersey car insurance professionals or click on the box below to do an online comparison. You may also fill out our quick quote form and an agent will contact you to see how much you can save in the Garden State!
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.Auto insurance provides property, liability and medical coverage:
- Comprehensive and Collision pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage or personal injury protection (PIP) pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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