Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

New Jersey Insurance Guide

The garden state has some very strict and resident-friendly insurance regulations to observe. While these regulations may seem a bit stiff at first reading, you will soon realize how great they really are.

New Jersey Auto Insurance

Not only do New Jersey auto insurance regulations require both bodily injury and property damage liability, but they also require uninsured motorist coverage, and personal injury protection (PIP). They are also a no-fault state.

Luckily for price-conscious consumers, New Jersey auto insurance regulations only require $15,000 in coverage for single-person injuries, $30,000 for multiple person injuries and $5,000 for property damage liability.

New Jersey Health Insurance

New Jersey health insurance regulations require insurers to cover pre-existing conditions in individual policies; because of this there is no state high-risk pool. In addition, the state does not allow health savings account (HSA) contributions to be deducted from state income tax.

Groups under New Jersey health insurance regulations can consist of as few as 2 people. In groups of 2-5, pre-existing conditions that have been uncovered for 90 or more days over the past 6 months can be excluded for up to 6 months. In groups of more than 5 people, no exclusions are allowed. Group rates in New Jersey are restricted be the adjusted community rating method.

New Jersey Home Insurance

New Jersey home insurance does not require all homeowners to have insurance, although individual lenders may. They are one of only three states to require new residential buildings to have sprinkler systems installed which can lower home insurance rates dramatically.

Believe it or not, New Jersey does experience some hurricane exposure. Because of this, residents should be careful to purchase a policy with hurricane deductibles and limits they can afford.

New Jersey Life Insurance

The New Jersey Life and Health Insurance Guaranty Association was created 1992 but back-dated its effective date to January of 1991. The association provides up to $500,000 in death benefit and $100,000 in cash surrender value to New Jersey life insurance policyholders whose insurers become insolvent and cannot pay claims.




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