MIDNIGHT IN THE GARDEN STATE OF GOOD AND EVIL
For those of you who live elsewhere and are not aware, New Jersey’s state nickname is the Garden State. Not exactly the first thing you think of when you come to New Jersey.
If you’re like a lot of people, your first experience of New Jersey could have been landing at Newark Airport, driving south on the New Jersey Turnpike and smelling the wonderfully acrid smells of the oil refineries in Elizabeth. At that point, I’m sure you’re thinking to yourself, “yes, this must be the Garden State”.
OK, the “good” in New Jersey might be the beaches, the closeness to New York and to Philadelphia, and the culture. There is easy access to many professional sports teams. There’s hiking and camping and good theatre and dining.
The “evils” are those smells emanating from certain areas of the state and the highest auto insurance rates in the country.
This site is written from a New Jersey point of view. Although this site is most valuable to the drivers of the approximate 4 million insured vehicles in New Jersey, it can be just as valuable to those that live outside of New Jersey too.
The concept of a deductible doesn’t change simply because you’ve crossed over a state border. Higher limits of liability coverage will cost you more money wherever you go. Discounts that are mandated by New Jersey state law and regulation such as for anti-theft devices and defensive driver courses, are mandatory in many other states too. When one state passes a law that’s good for consumers, other states aren’t shy about copying that law.
Many rules that govern how your auto insurance policy is
rated are countrywide rules. There are sometimes state exceptions, but often those state exceptions simply change the amount of the savings and discounts.
If you live in New Jersey, this site can be invaluable. If you live in another state, this site is still very worthwhile.
