Your Legal Corner: 'No limitation on lawsuit' auto insurance

Today Your Legal Corner will provide information on the “No Limitation on Lawsuit” auto insurance option.

With our recent tragedies, it seems to me that we all know that not every day is going to be a good day. In fact, on some days we need just to find the will and the strength to get through them.

Getting what you want is neither always easy nor possible. In this instance, payment in advance is required simply to keep a right that should have been yours all along … the right to sue.

No Limitation on Lawsuit Insurance Policy

Under a no limitation on lawsuit policy, you are compensated for all your injuries should you become involved in an automobile accident. You will be compensated by the person who harmed you for your lost wages and for the pain and suffering of you and your family. Under this threshold, you retain your constitutional right to a jury trial if you are injured in a car accident.

NJ.S.A. 39:6A-8

As you may recall from last week, under the lawsuit limitation policy, one may sue only under the following circumstances when involved in a car accident: death, dismemberment, significant disfigurement or scarring, displaced fractures, loss of fetus or permanent injury. Permanent injury is defined as when a body part has not and will not heal to function normally with further treatment and confirmed by diagnostic testing.

What this means is you could be saddled with more than a thousand dollars in medical bills that will not be paid by your own insurance company because they are subject to the deductible and co-payment provision of your policy. And yes, this also means you may not be entitled to receive funds for pain and suffering where the accident is not your fault. This is the result of having a limitation on your rights to sue when involved in an automobile accident.

Problems with Limitation on Lawsuit

The Limitation on Lawsuit costs less from an insurance standpoint. However, if involved in an accident you stand to lose much more. If you want to protect yourself from a negligent driver select the No Limitation on Lawsuit threshold. Don't be fooled by false savings.

The insurance company is not the enemy. However they are a business and, like any business, their goals are profits. Insurance companies have attorneys and adjusters whose goal is to pay you as little as they can. You need a personal injury lawyer who is going to fight for you. If you're involved in an accident, an attorney or law firm who has the knowledge to protect your rights and maximize a settlement can make a huge difference. Without the strength of an experienced personal injury lawyer or firm, you may not receive the true value of your case.

So, review your policy and consult with a law firm experienced in personal injury when involved in an automobile accident to explain your policy and inform you as to your legal entitlements. And remember — try to make each day count even if it doesn't appear to be your best day!

Next week YLC will discuss “Family Leave Act.” Till next time, God bless, keep smiling and remember who's in Your Legal Corner. Victoria M. Dalton is a dedicated Family/Elder Attorney, with the Law Firm of HoffmanDiMuzio. To contact Ms. Dalton for further information call 856-845-8243 or 856-863-8776; email correspondence to vdalton@hdhlaw.com.

Your Legal Corner was created by Victoria M. Dalton, Esquire to provide educational information regarding the law. The content of Your Legal Corner is not and will not replace legal advice.

South Jersey Media Group and nj.com accept no responsibility or liability whatsoever with regard to the information in this article.

Problem is car insurance is a must and not retirement savings

Principal Retirement Advisors Pvt. Ltd was set up in India last year after almost 15 years of Principal Financial Group operating as an asset management company here. As retirement advisors, their work model is to largely approach employees through their employers and help them create individual retirement solutions. Their services go beyond investments as they also offer advice related to estate planning and insurance. For this, they charge a fee. Larry D. Zimpleman, chairman, president and chief executive officer, Principal Financial Group, talks to Mint Money about the pension system in India and what challenges the financial sector regulations pose.

In India, you have been operating as an asset management company (AMC), but last year you entered the financial markets as a retirement advisor. Why?

We came to India somewhere in 1998-99. The original premise was that private retirement savings and systems were going to get more and more important around the world. We believe that India needs to create a more robust private retirement system.

Principal’s core strengths are in global asset accumulation and asset management, which is also the reason why we are experts in retirement and pensions and also why we chose to enter India as a pure AMC. But in the 15 years that we have been here, I would say there has been little to no progress in creating a robust private pension system. So as Principal Retirement Advisors, we thought we rather get on with building the platform in anticipation of the government to create the private pension legislation.

Give us some insight into the retirement systems of other markets. Where do you see India in this?

Let me start with a popular description that is used to explain how countries think about this. It’s called the first pillar, second pillar and third pillar approach. The first pillar is essentially government provided, the second pillar is private, often employer-based, and the third pillar is also a private pillar, usually an individual or retail pillar. Different countries use different combinations of these three pillars to arrive at the retirement income. Now the first system was the Chilean system in 1981. It was based on a modest first pillar because they wanted the state to support only those who couldn’t save on their own, they then had a mandatory and somewhat larger second pillar. Since then they have modified the system to continue with the second pillar of mandatory savings and then put a third pillar tax incentivized for both individual or employer based contributions. Now in the US, you have a larger first pillar that may provide for half the retirement income. The second pillar is employer-based and tax incentivized and the third is individual’s voluntary savings and could be tax incentivized. But if you look at Australia or New Zealand, they are extreme in the sense that they have a high required mandatory contribution and very modest first pillar.

A preferred model would be to have a modest first pillar, a more robust second pillar with tax incentives and then the third pillar of individual contribution again with tax incentives.

Coming to India, in the context of the pillars, I would say it has appeared fairly complex because it depends on whether you are a government worker or in the unorganized sector or in the organized sector. But regardless of the complexities, I think it’s not formed well enough to be doing the job it needs to do.

But we now have a National Pension System (NPS) that is being considered by many employers to build that second pillar. But NPS is struggling to penetrate among individuals, the primary reason being lack of incentives to the distributors. But if you look at other products like health or car insurance, it’s increasingly becoming important because there is enough awareness about it.

It’s always been interesting to me that in general insurance, for instance in car insurance, countries have no problem making it mandatory. Even to people it makes sense, but there is nothing that says that if you are working, you need to save for your retirement. That’s a problem. This is also why financial literacy is important. For instance, in the US, we don’t impart financial literacy in schools and then we wonder why people take on too much debt, buy houses they shouldn’t buy and then we have a financial crisis.

The good news is that today there are some very effective, often web-based platforms that can really help people come up the curve of financial literacy. So now if you can answer some basic financial questions, you can put in place a basic financial plan.

Are you interested in becoming a pension fund manager of NPS? Are you looking for a partner?

Of course, we would certainly like to become a pension fund manager; it’s what we have primarily come to India for. In our AMC business, we have a committed partner in Punjab National Bank and we believe that, as things stand, we don’t need to look for new partners as and when the government decides to open up the sector to foreign companies.

Do you recommend NPS to your clients?

We will first recommend that they begin with taking advantage of the tax investments. This will naturally mean that we will recommend investment into the Public Provident Fund (PPF) and National Pension System (NPS). Further, accumulations will then be based on recommendations thrown up by our proprietary retirement planning model. With people’s aspirations and inflation on the ascend, we have no doubt that most of us will have to accumulate beyond the mandatory and tax-driven savings.

However, what needs to be appreciated is that most people need to be coached into recognizing and quantifying their goals in a manner relative to their future income stream. We also recognize that as one progresses these plans need to be reviewed to cater to changing goals, needs and incomes. We will also assist our clients with planning post-retirement payouts and risk management like getting optimum insurance covers, drafting a will and so on.

Post 2008, we have seen some tightening of regulations the world over. While regulators in many parts of the world keep a closer watch on market practice, regulation in India have focused on transforming the products. How do you see such reforms?

I think the regulators need to focus on transparency and disclosures and not control market practice. If you look at the US, there is no lack of transparency. There is far too much detail on every component of a mutual fund. The prospectus that comes along is so thick that it’s meaningless to the average investor. There is certainly no lack of transparency but whether they read it or understand it is a different issue. The need really is to simplify things. Probably have a two-page disclosure report that has all the relevant information. In India, I believe the scheme information document (SID) is aimed at doing exactly that.

But what is happening right now is that we see the regulators controlling the market practice. For instance, how much commission you can get, where you can sell, can the product be front-ended? Regulators should focus on transparency and disclosures and market practice will take care of itself. An informed customer will be the best regulator of market practice.

But for a layman who doesn’t understand financial products, shouldn’t there be some control on market practice?

I would challenge a little bit the notion that companies are out there to missell. I don’t know a company that’s not pro-consumer. I am not saying that this has never happened but those companies are not going to be around for a long time.

How do you view the recent regulatory reforms in India?

The weight of regulatory community in recent times has been towards the more extreme end of the continuum. In India, it has not been as much about the changes in regulation as it has been about their pace; making it, relatively speaking, more involved and challenging. But then individual regulators go back and forth and depending again on who is in power or what kind of constituency they represent can often have a big impact too. We see that in the US. So with President Obama we sense there is a leaning towards pro-consumers regulatory reforms. Typically, when Republicans are more in control like in the case of the Bush-II (regime), it was felt there wasn’t a very heavy regulatory hand which, it is argued, could be a part of the financial crisis.

India is now contemplating adopting a single regulator model. What are your views?

What I find interesting is that different regulator model is held as the regulatory model of the day and then it changes over time so it seems like in most cases it develops with functional regulation (multiple regulators). Then there are few countries for instance Canada is an example, United Kingdom, UK, was an example Japan is an example that a number of years ago went for a single regulator.

Then you find that they kind of become super regulators and often then what happens is that they become bit of a bureaucracy unto themselves and they become so powerful that it begins to concern the government and the private sector certainly I think that’s true of FSA in UK and FSA in Japan. So to me all of this is like a pendulum, it swings one way and then it swings back the other way.

But if you look at what happened in the United States it’s interesting. Post the financial crisis we stayed with multiple regulators but in order to make them talk to each other we have a Financial Stability Oversight Council (FSOC) and so the purpose of FSOC is make functional regulators talk to each other and not be a super regulator. What they intend to do is make regulators including the state regulators meet at least once a quarter and at least talk to each other. There is a specific mandate within FSOC to look for bubbles that might be developing in the economy. It’s a kind of a balance between functional regulator and super regulator, whether that works is yet to be determined.

Louisiana has nation's highest auto insurance rates - again

Louisiana's auto insurance rates remain the highest in the nation, according to industry studies.

A March report from Insure.com, an insurance industry website, shows Louisiana's average auto insurance rates at $2,699 annually, followed by Michigan at $2,520 and Georgia at $2,155.

By comparison, the national average for car insurance premiums in the U.S. is a little more than $1,500.

This is the third year in a row Louisiana tops the list. Before 2011 it held the No. 2 spot for years, industry reports show.

Maine enjoys the least expensive car insurance rates, at $934 per year, followed by Iowa, $1,028.

A variety of factors dictate how costly auto insurance will be state by state, the report says. Such as the number of insurers competing for business, driving conditions, the portion of uninsured drivers and the way state insurance systems are set up.

Compared to the rest of the country, the study notes that Louisiana drivers who get in wrecks file more injury claims than motorists in other states.

Louisiana also has a high rate of natural disaster damage.

Blue Bunol, general manager for ABC Insurance, a local auto insurance agency with 62 locations throughout Louisiana and Texas, said the litigious nature of people in the state make it difficult for insurance companies to keep costs low.

Louisiana faces issues with high insurance costs because of poor roads and natural disasters, Bunol said. But it's also the personal injury lawyers who advertise heavily on television and on bus stop benches, and the state's direct-action law, which allows people to sue insurers directly.

Louisiana is ranked 13th in the country for attorneys per capita, with 11.1 lawyers per 10,000 residents, according to AveryIndex.com, a law and rankings website.

The state's relatively poor population sees this aggressive advertising, Bunol said, many of which (about 13 percent) don't have car insurance and are more inclined to wring whatever they can out of an insurance policy.

“Attorney advertisement entices people who are looking for a handout to call whether their accident warrants it or not,” he said. “Then the attorneys build a claim around nothing. Many of these claims are turning into a feeding frenzy.”

Louisiana has the highest frequency of bodily injury claims, according to a report by the Insurance Research Council.

Bunol said drivers can still get good deals if they rely more on insurers, like ABC, who offer mixed packages that drive competition.

He also noted that high car insurance rates are not necessarily statewide. The highest rates are largely concentrated in the New Orleans metropolitan area.

For example, a 21-year-old male with a clean driving record who drives a 2005 Toyota Corolla pays $246.05 per month for basic insurance in New Orleans, according to ABC quotes. Using that same sample, the monthly cost would be only $176.54 in Houma.

Bunol said another factor that contributes to the high costs is the high level of alcohol consumption in Louisiana.

“You don't have many states where you can drive though a daiquiri place and get a highball and a beer to go,” he said.

Deplorable road conditions, as a result of the soft nature of the soil, contribute to the costs as well, he said.

“So you got poor streets and more people drinking and driving — yeah, that's going to increase the frequency of claims.”

Melissa Landry, director of Louisiana Lawsuit Abuse Watch, a nonprofit judicial-reform organization based in Baton Rouge, said a unique law in Louisiana, which dictates that civil claims under $50,000 must be decided by a judge, not a jury, is unfair to residents and insurance companies.

It puts more power into the hands of elected judges, Landry alleges. And that may encourage some contingency fee attorneys who make a living based on court outcomes to seek out judges who have a track record of siding with plaintiffs — the people living in the communities they serve — more than insurers they sue.

While Landry does not want to paint the judiciary with a broad brush, she said it's clear that money contributed to judicial elections may at times add an element of political pressure that juries don't experience.

“In recent analysis of civil jury trial threshold limits for all 50 states, Louisiana Lawsuit Abuse Watch found that the vast majority of states have no threshold for civil jury trials, and among 14 states that do, Louisiana's threshold is by far the highest in the nation,” Landry said. “At $50,000, Louisiana's jury trial threshold is roughly more than 28 times the national average of $1,742.40.”

The $50,000 threshold was enacted during the last administration of former Gov. Edwin Edwards in 1993 in an effort by legislators to prevent overburdening the courts with more bureaucracy and increased government spending for assembling juries and other costs.

In various reports, legislators have said people who come for jury duty do not want to waste time for minor traffic claims. And if the trial threshold were to be lowered, even more civil jury trials will take place, which will create longer delays in an already backed-up judiciary system.

“It is unfair to ask the citizens of Louisiana to serve on juries for small claims that can be effectively and efficiently handled by judges — and have been for years,” Michael L. Barras, a personal injury attorney in New Iberia, wrote on his website.

Bunol said the truth is insurance companies don't really care how high the rates go nor do legislators because it all evens out in the end.

“They look at it as another form of welfare,” Bunol said. “Instead of tax dollars distributed as welfare, it's insurance dollars that are simply paid by the public anyway — same as tax dollars. Insurance companies are going to pay the claim and ultimately change their rate accordingly. But all of us who pay high insurance rates should be screaming at the legislators to make stiffer laws to keep these attorneys from being able to build up a claim that should have never existed in the first place.”

Cheap Auto Insurance Quotes Now Available New

According to the 2012 National Association of Insurance Commissioners (NAIC) report, New Jersey, the District of Columbia, Louisiana, New York and Florida are the five most expensive states for automobile insurance. The report also found that “high premium states tend also to be highly urban, with higher wage and price levels and greater traffic density.”

“Even a few hundred dollars can make a difference,” says Maria Acevada, an Auto Insurance HQ company spokesperson. “Our new online tool helps drivers find the cheapest rates in their immediate area.” 

Finding the cheapest auto insurance rate isn’t always straightforward. Final rates are based on a number of factors, including age, history of loss, traffic tickets, location, occupation, military or marital status, history of homeownership, and more. “The average consumer compares three quotes before making a decision on an insurance policy,” Acevada continues. “Our system makes it easy to comparison shop, without having to meet face-to-face with several different companies.”

Drivers looking for a cheap auto insurance quote can visit the company website (http://autoinsurancehq.org/), and key a few pieces of information to start a search. Based on zip code, the quoting tool returns a listing of local, available carriers and average annual savings. 

To receive a cheap auto insurance quote or to find out more about auto insurance, visit the Auto Insurance HQ company website. 

About Auto Insurance HQ
Auto Insurance HQ is an online brokerage firm that offers drivers an instant way to receive cheap auto insurance quotes, 24 hours a day.

Basic Information about Renters Insurance

The scenario is simple: you decide to rent a house or apartment, hand over a deposit, and receive the keys. You move your items in, arrange them, and pay your rent (and utilities) monthly. But what happens when your apartment becomes damaged in a flood or fire, if someone breaks in and steals your things, or if a friend or other visitor trips, falls and ends up in the hospital?

Moving into a rented apartment or house is easy. The tricky part involves protecting your belongings (among other things) from damage, loss or theft.  This is where renters’ insurance comes in. It protects your things, along with your livelihood, kind of like homeowners’ insurance, only different.

What Exactly Is Renters’ Insurance?

Renters’ insurance is very similar to homeowner’s insurance. The main difference is that it does not protect your building or house – just the things that you have inside of it. This makes renters’ insurance cheaper than homeowners’ insurance. Many apartment complexes require all of their tenants to have a renters’ insurance policy. This is usually included in the lease, and they may even insist that you have a copy of your policy on file in their office. When it comes to rented houses, this varies and depends largely on the landlord. However, it is always a good idea to have renters insurance even if you are not legally required to do so.

Renters’ Insurance Coverage Components

Just like homeowners’ insurance, there are different sections of coverage in a renter’s policy. The first consists of your standard belongings, for example, your television, electronics, books, furniture, clothing and other items. The second involves your more expensive things. If you have a large collection of antiques, some pricey jewelry or anything worth over the “standard” amount (and this can vary depending on the insurance company) you will need an insurance rider to make sure that they are fully covered. This will add on to the cost of the insurance. The third part is liability. This will cover you should someone slip and fall, burn themselves badly, or hurt themselves in any other way inside of your apartment. It will cover medical bills and other expenses, and prevent you from paying a lot of money out of pocket.

How Do I Get Renters’ Insurance?

Many different insurance companies offer renters’ insurance. If you already have a car insurance policy with a company, call up your agent and ask if they offerrenters’ insurance. This will allow you to bundle your policies, which will get you a discount on your overall insurance package. But, if you want to switch to a different insurance company, look for one that specializes in this type of insurance. They will be able to get you the best deal on both coverage and price.

Renters’ insurance is no laughing matter. Having it can save you from having to pay large amounts of money to replace your belongings or cover the medical bills of visitors. Even if your landlord or rental company does not require that you have renters’ insurance, it is recommended that you back yourself up by purchasing it anyway.

New Car Insurance Quote

Louisiana's auto insurance rates remain the highest in the nation, according to industry studies.

A March report from Insure.com, an insurance industry website, shows Louisiana's average auto insurance rates at $2,699 annually, followed by Michigan at $2,520 and Georgia at $2,155.

By comparison, the national average for car insurance premiums in the U.S. is a little more than $1,500.

This is the third year in a row Louisiana tops the list. Before 2011 it held the No. 2 spot for years, industry reports show.

Maine enjoys the least expensive car insurance rates, at $934 per year, followed by Iowa, $1,028.

A variety of factors dictate how costly auto insurance will be state by state, the report says. Such as the number of insurers competing for business, driving conditions, the portion of uninsured drivers and the way state insurance systems are set up.

Compared to the rest of the country, the study notes that Louisiana drivers who get in wrecks file more injury claims than motorists in other states.

Louisiana also has a high rate of natural disaster damage.

Blue Bunol, general manager for ABC Insurance, a local auto insurance agency with 62 locations throughout Louisiana and Texas, said the litigious nature of people in the state make it difficult for insurance companies to keep costs low.

Louisiana faces issues with high insurance costs because of poor roads and natural disasters, Bunol said. But it's also the personal injury lawyers who advertise heavily on television and on bus stop benches, and the state's direct-action law, which allows people to sue insurers directly.

Louisiana is ranked 13th in the country for attorneys per capita, with 11.1 lawyers per 10,000 residents, according to AveryIndex.com, a law and rankings website.

The state's relatively poor population sees this aggressive advertising, Bunol said, many of which (about 13 percent) don't have car insurance and are more inclined to wring whatever they can out of an insurance policy.

“Attorney advertisement entices people who are looking for a handout to call whether their accident warrants it or not,” he said. “Then the attorneys build a claim around nothing. Many of these claims are turning into a feeding frenzy.”

Louisiana has the highest frequency of bodily injury claims, according to a report by the Insurance Research Council.

Bunol said drivers can still get good deals if they rely more on insurers, like ABC, who offer mixed packages that drive competition.

He also noted that high car insurance rates are not necessarily statewide. The highest rates are largely concentrated in the New Orleans metropolitan area.

For example, a 21-year-old male with a clean driving record who drives a 2005 Toyota Corolla pays $246.05 per month for basic insurance in New Orleans, according to ABC quotes. Using that same sample, the monthly cost would be only $176.54 in Houma.

Bunol said another factor that contributes to the high costs is the high level of alcohol consumption in Louisiana.

“You don't have many states where you can drive though a daiquiri place and get a highball and a beer to go,” he said.

Deplorable road conditions, as a result of the soft nature of the soil, contribute to the costs as well, he said.

“So you got poor streets and more people drinking and driving — yeah, that's going to increase the frequency of claims.”

Melissa Landry, director of Louisiana Lawsuit Abuse Watch, a nonprofit judicial-reform organization based in Baton Rouge, said a unique law in Louisiana, which dictates that civil claims under $50,000 must be decided by a judge, not a jury, is unfair to residents and insurance companies.

It puts more power into the hands of elected judges, Landry alleges. And that may encourage some contingency fee attorneys who make a living based on court outcomes to seek out judges who have a track record of siding with plaintiffs — the people living in the communities they serve — more than insurers they sue.

While Landry does not want to paint the judiciary with a broad brush, she said it's clear that money contributed to judicial elections may at times add an element of political pressure that juries don't experience.

“In recent analysis of civil jury trial threshold limits for all 50 states, Louisiana Lawsuit Abuse Watch found that the vast majority of states have no threshold for civil jury trials, and among 14 states that do, Louisiana's threshold is by far the highest in the nation,” Landry said. “At $50,000, Louisiana's jury trial threshold is roughly more than 28 times the national average of $1,742.40.”

The $50,000 threshold was enacted during the last administration of former Gov. Edwin Edwards in 1993 in an effort by legislators to prevent overburdening the courts with more bureaucracy and increased government spending for assembling juries and other costs.

In various reports, legislators have said people who come for jury duty do not want to waste time for minor traffic claims. And if the trial threshold were to be lowered, even more civil jury trials will take place, which will create longer delays in an already backed-up judiciary system.

“It is unfair to ask the citizens of Louisiana to serve on juries for small claims that can be effectively and efficiently handled by judges — and have been for years,” Michael L. Barras, a personal injury attorney in New Iberia, wrote on his website.

Bunol said the truth is insurance companies don't really care how high the rates go nor do legislators because it all evens out in the end.

“They look at it as another form of welfare,” Bunol said. “Instead of tax dollars distributed as welfare, it's insurance dollars that are simply paid by the public anyway — same as tax dollars. Insurance companies are going to pay the claim and ultimately change their rate accordingly. But all of us who pay high insurance rates should be screaming at the legislators to make stiffer laws to keep these attorneys from being able to build up a claim that should have never existed in the first place.”

Automotive Insurance Quote

CheapCarInsurance Nets.com, and online insurance broker company, has announced today that they are now offering drivers in the state of New Jersey the opportunity to get cheap car insurance in New Jersey. New Jersey is notorious for being difficult about car insurance, with very particular laws in place governing insurance. This site now gives consumers the chance to compare New Jersey car insurance quotes online among the best New Jersey car insurance companies. This will allow the consumer to then choose low cost car insurance in New Jersey that can provide them with a solid policy at a more affordable price.

Cheapcarinsurancenets.com is an Internet company designed to provide consumers with the opportunity to comparison shop for car insurance. The customer provides some basic information regarding their person and the vehicle or vehicles they need insured. The site can then generate quotes based on this information to provide the customer with cheapest alternatives possible regarding car insurance, all from major insurance companies in the industry. It helps to take some of the hassles and stress out of looking for car insurance for customers across the board.

Cheapcarinsurancenets.com gives customers from all over the country the chance to find cheap auto insurance and quotes online. This is particularly important to consumers in New Jersey who have had restrictions regarding insurance in the past. Finding cheap car insurance in State of New Jersey can be difficult process and any help that can be given to the consumer is seen as a positive. The ability to compare New Jersey car insurance quotes online can make a big difference for many seeking auto insurance in this state. It will allow them to look through quotes from the best New Jersey car insurance companies. A customer can now find low cost car insurance in New Jersey without having to spend hours or days contacting various companies to find the best deal.

Cheapcarinsurancenets.com goes out of their way to make sure everything is provided to the customer quickly, easily and accurately. Their site is very easy to traverse and navigate, making it simple for the consumer to do all of their tasks, get the quotes they need and arrive at a solution. The site also contains several articles regarding different areas involving car insurance to help provide answers and information to consumers. Customers are encouraged to visit the site directly so they can check it out for themselves and ask any questions that may be pertinent to their particular situation.

About Cheapcarinsurancenets.com

Cheapcarinsurancenets.com is an Internet-based insurance broker company that helps provide policy and price quotes for auto insurance to the consumer. The site offers a fast and easy way to get price quotes from all over the country, particularly in spots where insurance can be difficult such as New Jersey. The site allows the consumer to compare New Jersey car insurance quotes online among the best New Jersey car insurance companies. This lets the consumer find cheap car insurance in New Jersey and choose the low cost car insurance in New Jersey that best fills their specific needs and fits into their budget.

Read more: http://www.sfgate.com/business/prweb/article/Cheapcarinsurancenets-com-Now-Offers-Car-4401285.php#ixzz2R8NIfhlC