Stop and Get Directions:
This workbook is a tool to help you find the best balance between how much you pay for
insurance and the level of coverage you receive. By completing the workbook, you will be
able to ask your agent or insurance company representative more specific questions about
what type of coverage is best for you and your family. This workbook is made up of four sections:
Includes information about where to start and what affects the cost of auto insurance.
This section consists of nine steps that can help determine
what type of policy and coverages may be right for you.
MARK YOUR ANSWERS IN EACH STEP. (Pages 4-12.)
After choosing the type of policy and coverages you would like to purchase, you should
contact several insurers to compare how much a policy will cost. In order to accurately
quote you the cost of a policy, an insurer will need your vehicle and driver information.
RECORD YOUR VEHICLE AND DRIVER INFORMATION HERE. (Page 14.)
This section also contains CHARTS (Pages 15 and 16) that review the type of policy and
coverages you selected in Section 2. Use the charts when speaking to an agent or insurance
company representative about your insurance needs.
Use the insurer contact information to SHOP AROUND FOR THE BEST COVERAGE THAT
FITS YOUR NEEDS. (Pages 17-21.)
Step 2: Choose a Combined Single
Limit of Bodily Injury and Property
Auto insurance is required in New Jersey. Don’t drive without it.
As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice
you make affects the coverage you receive and your premium (the amount of money a company charges for
insurance). The key to getting the most out of your premium dollars is to comparison shop among insurers.
Before you start shopping, consider what insurance coverage you need, then compare how mu