Car Insurance

The easiest and most effective way to get cheaper car insurance as a driver in New Jersey is to talk to Defrates Insurance. You get affordable insurance that never cuts you short on coverage.

We offer many auto insurance coverage options to protect you, your car and others. So you can choose the car insurance that’s right for you.

Auto insurance coverage to protect your car:

• Comprehensive coverage
• Collision coverage
• Towing and labor
• Gap coverage
• Rental reimbursement

Auto insurance coverage to protect you and others:

• Injury and property damage
• Medical expenses
• Family compensation
• Uninsured and underinsured drivers
• Personal injury and no fault protection (not available in all states)

Learn more about car insurance coverage:

Liability coverage
Liability covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Many state laws require liability coverage. Each state has its own minimum requirement.

Comprehensive coverage
Helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.

Collision coverage
Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Uninsured or underinsured motorist coverage
Helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury. This coverage may also pay for lost wages and other damages. Coverage varies from state to state and is required in some states.

Medical expenses
Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Loss of income
Helps pay lost wages due to injuries from an automobile accident. This type of coverage can be especially important if you do not already have short-term or long-term disability benefits from another source.

Rental reimbursement
Helps pay for your rental car or other transportation (such as bus or subway) if your car cannot be driven due to an at–fault accident or comprehensive claim.

Towing and labor
Reimburses for towing and roadside assistance charges if an insured vehicle is disabled. Typical services include: battery jump-starting, tire changing and locksmith services