New Jersey Motorcycle Insurance
(Quotes, Cost & Coverage)

Get New Jersey motorcycle insurance quotes, cost & coverage fast. Find affordable NJ motorcycle coverage for your sport bike, cruiser, standard, touring bike, or custom ride.

NJ Motorcycle Insurance

To ride a motorcycle on the roads in NJ. you need to have New Jersey motorcycle insurance. That is the law - if you choose to ignore it you will be met with a list of legal violations. It's also common sense to have insurance because of the risks that motorcyclists face on the road.

New Jersey motorcycle insurance is available in different types of policies, each designed to fit different needs. The cost tends to vary based on factors such as the rider's record (your history with automobiles is considered here as well), the value of the motorcycle, and the place where the rider resides.

There are other things that can affect the premium for riders. For instance, if you have other vehicles covered by the insurer, the company may be willing to offer you a "multi-line" discount when you purchase an insurance policy for your motorcycle. You can reduce your insurance premiums by doing the following:

• Installing a quality alarm system on your motorcycle
• Parking your bike in a safe place
• Taking a motorcycle safety class

What Does New Jersey Motorcycle Insurance Cover?

While there are many optional coverages available, the main parts of a New Jersey motorcycle insurance policy are:

Liability: Liability insurance is used to cover damage caused by a rider to another vehicle, motorcycle, individual, or property when the accident is proven to be the rider's fault. This policy is regulated by state government law and is required to operate vehicles on paved roads in any part of the country. As a motorcycle owner and rider, your state has in place a few minimum coverage standards that you must meet in order to operate your bike.

Comprehensive and Collision: This coverage is meant for repair and replacement costs of your bike following an accident, without consideration as to who is at fault. The cost of comprehensive and collision coverage is largely influenced by the value of the motorcycle.

Instances of fire, vandalism, theft, and weather damage are covered by comprehensive coverage, while collision coverage is used to fund repairs or replacement when the bike is involved in a collision. When making any modifications to the bike, consider taking additional motorcycle insurance coverage.

Medical Coverage (PIP): In some states insurance companies are required by law to include medical coverage in all motorcycle insurance policies, although the specifics involved in this coverage vary widely. Medical coverage is meant to cover medical bills resulting from an accident regardless of fault, but the amount of money made available in this coverage is usually not very large, which necessitates having health insurance if someone is severely injured.

Underinsured and Uninsured Motorist: Underinsured and uninsured coverage is not typically mandated by law; however it's a cheap and often very smart way to protect a rider against unruly motorists and other riders who may not have sufficient coverage or any insurance coverage at all. Because it's cheaper than the other parts of your insurance policy, uninsured and underinsured motorist coverage is recommended by most road safety authorities.

What New Jersey Motorcycle Insurance Doesn't Cover

NJ motorcycle insurance typically does not cover:

• Using your motorcycle as a delivery service or a taxi. So if you deliver packages, food, etc., or if you charge to take people places, you probably won't have coverage.
• Racing or stunts: If you participate in any kind of organized racing, your motorcycle insurance won't cover your bike.
• Intentional acts: If you intentionally run someone down and damage someone or something, your motorcycle insurance won't apply.
• Committing criminal acts: Even if you're not charged with or convicted of a crime, any injuries or damages resulting from criminal acts aren't covered by your motorcycle insurance.

How Much Does New Jersey Motorcycle Insurance Cost?

How much does motorcycle insurance cost? The average price of bike insurance varies widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:

• Geographical location - The more dangerous your location is the higher premiums you will pay as there is a higher probability for claims. If you live in a highly populated urban area accidents and insurance claims happen more often and rate are higher.
• Age - Typically drivers under 25 pay more because statistically shown to be inexperienced behind the wheel, easily distracted and to crash more often. They are on of the riskiest category of drivers to insure.
• Gender - Data shows males are more likely to crash, hence men's premiums are higher.
• Marital status - Married people have been found to be less of a risk to insurers than singles, including divorced or widowed drivers.
• Years of driving experience - Inexperienced drivers pose more risk. That is why under 25 have some of the highest rates.
• Driving record - Drivers with a clean driving record qualify for better rates and can be eligible for a safe driver discount.
• Claims history - More claims = more premium. Insurers actually count frequency (how many claims in a time frame) more than severity (how large the claim was).
• Credit history - The better credit you have, the lower your rates. Most insurers look at credit and weight it heavily.
• Previous insurance coverage - Continual motorcycle insurance history (or at least for the last 6 months) can help get you a better rate.
• Vehicle type - Purchase price, theft rate, cost of repairs, accident rate and safety tests weigh heavily in motorcycle insurance cost.
• Vehicle use - A vehicle used to commute work poses more of a risk than the motorcycle you only take out of the garage on the weekends.
• Miles driven annually - The less you drive, the less risk you have of being in an accident.
• Coverages - The more coverage you choose with higher limits, the more it will cost you since the insurer is taking on additional risk.
• Deductibles - The deductible is your out of pocket cost before your policy kick in. Lower deductible = higher premium, and higher deductible = lower premium.

NJ Motorcycle Insurance Quotes

Request a New Jersey Motorcycle Insurance quote in Atlantic City, Bayonne, Bergenfield, Bridgeton, Camden, Carteret, Cliffside Park, Clifton, Dover, East Orange, Egg Harbor, Elizabeth, Elmwood Park, Englewood, Fair Lawn, Fort Lee, Garfield, Glassboro, Hackensack, Hawthorne, Hoboken, Jersey City, Kearny, Linden, Lodi, Long Branch, Millville, Morristown, New Brunswick, Newark, North Plainfield, Palisades Park, Paramus, Passaic, Paterson, Perth Amboy, Plainfield, Pleasantville, Point Pleasant, Rahway, Ridgewood, Roselle, Sayreville, South Plainfield, Summit, Trenton, Union City, Vineland, West New York, Westfield and all other cities in NJ.

Insurance Regulations In New Jersey

There insurance regulations that govern both business and personal insurance in the state of NJ. There are certain regulations that you want to keep in mind whether you are getting insurance as a private party, or you may have a business and are concerned about the regulations and oversight of your business insurance.

New Jersey Commercial Insurance

The regulations governing business insurance start with general liability insurance. General liability insurance protects you from lawsuits from people that come on your property with a variety of coverages. For example, it may protect against bodily injury, it may also protect against property damage caused by your business - for example, if your sign falls on someone's car - or it may protect against advertising, false arrest and lots of other different things that can happen. However, keep in mind that general liability insurance is not required in the state of New Jersey.

There are certain types of insurance that are required by businesses in New Jersey though. One of the regulations governing business insurance in New Jersey requires that anyone who has a full-time or part-time employee carry Worker's Compensation insurance to cover that employee. Workers comp is sort of like health insurance for employees that get hurt on the job.

In addition, NJ law says that employers must provide employee disability coverage to provide income for employees who are injured on the job and have to take time off due to a temporary or permanent disability. Finally, businesses in New Jersey are required to carry commercial auto insurance for company vehicles.

NJ Personal Insurance

The first type of personal insurance that will be discussing is auto insurance. Personal auto insurance in New Jersey requires that the driver carry $15,000 per person and $30,000 per accident in liability coverage. In addition, there must be an additional $5000 for property damage.

As far as life insurance regulations, insurance companies must be regulated by the Department of Banking and Insurance which maintains all records of insurance companies that are licensed to do business in the state. In addition, residents have a 10 day free look period, a grace period of 30 days and insurance companies must make payments in a timely fashion; which is within two months of receiving proof of death from the beneficiary.

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If you are looking for state specific motorcycle insurance quotes, costs and information: California Motorcycle Insurance, Colorado Motorcycle Insurance, Delaware Motorcycle Insurance, Florida Motorcycle Insurance, Illinois Motorcycle Insurance, Kentucky Motorcycle Insurance, New Jersey Motorcycle Insurance, New York Motorcycle Insurance, Oregon Motorcycle Insurance, Pennsylvania Motorcycle Insurance, Texas Motorcycle Insurance, Washington Motorcycle Insurance.