Best Local Car Insurance Agencies in Trenton

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Should you be carrying at least 15/30/5 liability auto insurance in Trenton?

  No, a 15/30/5 policy, which provides $15,000 bodily injury coverage per person, $30,000 bodily injury per occurrence, and $5,000 property damage per occurrence, no longer complies with New Jersey’s requirements. As per a new law effective January 2023, you must update your coverage to 25/50/25 to be sufficiently insured in Trenton. These minimum limits are set to change again in 2026. State authorities will be requiring at least 35/70/25 coverage, so expect to get another upgrade by then.

• How can you save money on your Trenton auto insurance premium if you were affected by the change in coverage limits?

  To save money on your coverage in Trenton, ask what discounts are available to you and maximize them. If your homeowners insurance is up for renewal, check whether you can bundle it with your auto insurance. Depending on your insurer, you may also score deals if you take defensive driving courses, hold specific association memberships, improve your credit, and install safety equipment on your car. Maintaining a stellar driving record can also lower your insurance rates in the long run.

• Are roads in Trenton structurally sound?

  As a whole, there are still areas for improvement in Trenton’s road infrastructure. There are roads throughout New Jersey that require repair, and they set back drivers $713 every year, according to data from the American Society of Civil Engineers. The city does have infrastructure development plans underway such as the Route 29 Boulevard Project.

• How heavily can a DUI charge affect your auto insurance in Trenton?

  A DUI charge will have a huge impact on your Trenton auto insurance—it can raise your rates by as much as 100% on the first offense and 175% on the second. Other traffic violations that can significantly increase your premium include highway racing (89%), reckless driving (86%), and tailgating (53%).

• What are auto insurance dividends and how do they factor into your premium in Trenton?

  A dividend is a percentage of your premium last year, which will be deducted from your premium in your current year. In other words, it works like a renewal discount that you can stack on top of other discounts offered by your insurer. Only certain companies offer dividends, though. You can ask your insurer in Trenton about it before renewing your policy.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.