Peace of Mind Wherever You Drive.
Auto Insurance in New Jersey is a necessity, not only because the roads are busy with a multitude of vehicles, but because the State of New Jersey mandates it. The good news: Richland-Knowles Insurance Agency partners with 20+ carriers to provide you with the best solution for your needs.
There are many factors to take into consideration when trying to find the right policy, such as:
- How many cars are going to be on the policy? Who is driving each car?
- How many people live in the household?
- The ages of the vehicles and their mileage.
- Driving records and driver ages.
- How much deductible you are willing to pay per vehicle?
Depending on your needs, we work with you to generate several coverage options from highly reputable insurers to determine which coverages are right for you.
How Much Coverage Do I Need?
Our team of insurance professionals understands driving in New Jersey and the auto insurance needs of our clients.
- The typical standard policy provides coverage for bodily injury liability, property damage liability, and personal injury protection with amounts of coverage for each varying widely based on your individual needs, the deductible you are willing to pay, and budget.
- Then there is uninsured/underinsured motorist coverage which is also available should you get into an accident with a driver who does not have the minimum level of insurance required by law, or a driver who is insured, but who has less coverage than your underinsured motorist coverage.
- Collision coverage pays for damage caused to your vehicle in an automobile accident or a collision with another object.
- Comprehensive insurance covers damage to your car that occurred in ways other than a collision, these include theft and vandalism. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance.
How Can I Save Any Money?
Every insurance company offers similar but also some different types of discounts. Please note, proof is required to obtain discounts. The most common discounts are:
- Good Student Discount
- Away at School 100+ Miles
- Defensive Driver Course
- Anti-Theft/Safety Features in vehicles
- Bundling policies – home and auto
- Paying in full or on automatic withdrawn payments
- Motor Club such as AAA
You Are More Than Just a Policy to Richland-Knowles Agency.
At Richland-Knowles Agency, we value the relationships we have with each client. We work with you to provide competitive pricing and customized protection for your unique needs. Contact us today for an insurance proposal.
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