Passaic Car Insurance

Residents of Passaic New Jersey are minutes from breathtaking nature scenes such as the Paterson Great Falls National Historical Park and a number of beautiful beaches.

Those who live in Passaic also have access to the best pizza, bagels, and fresh farm produce anywhere in the world. Being the home to the first television station to transmit signals into private homes, the city of Passaic can also be called the birthplace of television as well as actress Zoe Saldana.

Enter your zip code above for New Jersey car insurance rates from multiple companies today!

Two of the top ten cities with the highest car insurance rates in the nation, Newark and Jersey City are neighbors to Passaic. Licensed drivers in Passaic must research insurance providers carefully and regularly to find the best prices on car insurance.

Minimum Insurance Required to Legally Drive in Passaic

• Personal injury protection coverage of $15,000.00 per person and per accident
• Property damage liability coverage of $5,000.00 per person and per accident

Bodily injury coverage is not legally required to be licensed to drive in Passaic, but strongly recommended.

Driving without car insurance in Passaic comes with heavy penalties. Fines range from $300.00 to $1,000.00 per incident. Additional penalties could include license and registration suspension or even jail time in some circumstances.

Car Insurance Decisions of Real Drivers in Passaic

Bruce, aged 32, is married to Kirsten who is 29. Between the two of them, they have only one vehicle, a 2006 Ford Explorer.

Bruce works for the local utility company and Kirsten works part time for a temporary agency. If Kirsten is able to get a full-time job, they will consider another vehicle. Right now, they are getting by with public transportation and the shared Ford Explorer.

To keep expenses as low as possible, they researched the cost of the legal minimum car insurance for New Jersey.

Bruce and Kirsten can get what New Jersey calls “basic,” and what the insurance industry calls “minimum legal” for the following monthly prices:

1. New Jersey Manufacturers - $74.00
2. State Farm - $77.00
3. GEICO - $108.00
4. Allstate- $163.00
5. Progressive - $182.00
6. Liberty Mutual - $228
7. Travelers - $261

Kirsten and Bruce are extremely discouraged. To them, it seems as if they have to pay an exorbitant amount of money that won’t even protect their own property in the event of an accident.

They look at the price difference for one step up from the minimum legal requirement to what the insurance industry refers to as “basic” and closer to what the state of New Jersey calls “standard.”

The next highest level of protection or basic coverage offers the coverage listed below.

• $50,000.00 per person and $100,000.00 per accident for bodily injury.
• $25,000.00 for property damage
• $50,000.00 per person and $100,000.00 for bodily injury caused by uninsured or underinsured
• motorist.
• $25,000.00 for property damage caused by uninsured or underinsured motorist.
• $50.00 towing allowance.

Basic level requires a deductible payment of $500.00 and these are the monthly prices Bruce and Kirsten could pay to different insurance companies in Passaic:

1. New Jersey Manufacturers - $102.00
2. GEICO - $133.00
3. Allstate - $148.00
4. State Farm - $215.00
5. Progressive - $222.00
6. Travelers - $269.00
7. Liberty Mutual - $283.00

Bruce and Kirsten are encouraged by the minimal cost increases that will give them a higher level of protection.

They continue researching and learn the cost of extended coverage which would give them the following benefits:

• $100,000.00 per person and $300,000.00 per accident for bodily Injury.
• $50,000.00 for property damage.
• $100,000.00 per person and $300,000.00 per accident to pay for bodily injury caused by uninsured
• and underinsured motorist.
• $50,000.00 for property damage caused by uninsured motorist.
• $75.00 towing allowance.
• $600.00 rental car allowance

Extended level coverage in Passaic is available to Bruce and Kirsten with the following monthly payments:

1. New Jersey Manufacturers - $111.00
2. GEICO - $143.00
3. Allstate - $160.00
4. Progressive - $231.00
5. State Farm - $242.00
6. Travelers - $279.00
7. Liberty Mutual - $306.00

When Bruce and Kirsten decide to price insurance at an even higher level which is not really needed because they do not yet own a home or even a 2nd car, they find that the premium level insurance for them is even lower priced.

Premium level insurance delivers the benefits and protections listed below:

• $250.000.00 per person and $500,000.00 per accident for bodily Injury coverage.
• $100,000.00 for property damage protection.
• $250,000.00 per person and $500,000.00 per accident for bodily injury caused by uninsured or
• underinsured motorist.
• $100,000.00 for uninsured and underinsured motorist caused property damage.
• $75.00 towing allowance.
• $900.00 rental car allowance.
• Full glass coverage.

Premium level coverage requires a deductible payment of $250.00. Insurance companies in Passaic will give Bruce and Kirsten premium level coverage at the monthly payments listed below:

1. New Jersey Manufacturers - $85.00
2. GEICO - $94.00
3. Allstate - $111.00
4. Progressive - $227.00
5. State Farm - $241.00
6. Travelers - $251.00
7. Liberty Mutual - $301

Don and Marie are 52 and 51 years of age, respectively. Don drives a 2013 Cadillac Escalade and Marie’s car is a 2011 Toyota Avalon. They own some investment properties and a very nice home so they would not even consider less than premium level coverage.

Unlike Bruce and Kirsten, they have been car insurance consumers for many years and most of the time; their insurance has been with Allstate.

The two vehicles with premium level coverage would cost the following to insure in Passaic:

1. GEICO - $119.00
2. New Jersey Manufacturers - $194.00
3. Allstate - $283.00
4. State Farm - $391.00
5. Progressive - $407.00
6. Travelers - $428.00
7. Liberty Mutual - $1,050.00

Don and Marie’s 20-year-old son Jason would like very much to drive.

If Jason were added as a licensed driver to Don and Marie’s insurance, the monthly cost would be as follows:

1. GEICO - $323.00
2. New Jersey Manufacturers - $366.00
3. Travelers - $582.00
4. Allstate -$657.00
5. State Farm - $727.00
6. Progressive - $786.00
7. Liberty Mutual Fire - $2,124

It is not always clear why some insurance companies insurance companies charge so differently than others. It is always very important to research and get several binding quotes before accepting any policy.

Staying up to date on rates as individual milestones are met can also save significant amounts.

Are you looking for better car insurance coverage? Just enter your zip code below to access competitive rates from multiple companies!