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At the request of our visitors we've included the below local insurance contacts for most cities in New Jersey. Depending on where you live in The Garden State, you probably deal with bumper-to-bumper traffic on the daily. Traffic, excessive speed, and weather are all factors that cause car accidents in the state of New Jersey. If you're a vehicle owner in New Jersey, you're required to purchase at minimum the cheap “Basic Policy,” which is offered through New Jersey licensed insurance producers. Those who want more financial protection may want to opt for the “Standard Policy.” Regardless of what policy you choose, a variety of insurance companies will offer you quotes at affordable rates. Finding a low cost policy often requires you to compare quotes from various companies before deciding on what auto insurance policy to buy. For additional information on traffic laws or driving schools please navigate to your respective state using the map.