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Welcome to my site. My name is John Cobb and I am a New Jersey car insurance industry expert and specialist. My career spanned 24 years in the auto insurance industry primarily in larger companies such as Geico and Progressive.  

Car Insurance in New Jersey can be quite a challenge, particularly with the liability costs an individual could face if she or he has a collision in a vehicle that is not insured.  Drivers can be faced with risks because the car insurance NJ quote that they purchased was the lowest possible.  It is not uncommon for your asset base to be lost due to being underinsured.

I started this website to provide potential customers with different auto insurance recommendations to make sure they didn't have to suffer financial in the even they ended up in a major car accident.  I always advise my New Jersey and Newark auto insurance clients to take more than the minimum amount of coverage.  The insurance premium may be a little more but in the longer run the investment is worth it. It is far better than facing the unthinkable and ending up with a serious drain on your investable assets because you failed to select a slightly higher insurance estimate.

Personally, I believe it is preferable to pay a few extra pennies a month for car in insurance to ensure you are adequate covered in the event of an auto insurance catastrophe. I mean a few extra pennies for NJ car insurance for adequate car insurance in Newark is a much better proposition than the tens of thousands of dollars you will otherwise have to payout.

My free recommendations are based on extensive research, ensuring they met the following key criteria:

	A high pay out ratio that exceeds the industry average.
	A high degree of customer service and ensure your claims are paid out quickly.
	Pass a financial fitness test. i.e. the ability to pay your insurance claims.

One of the major items I look at that is often ignored by customers is the financial fitness of the insurer. An auto insurer that cannot afford to pay you out your insurance claim when you have an accident is of little use. The recommended auto insurers I used are only those with financial fitness grade of AA and up.  I recommend you complete the quick application below to obtain your New Jersey Car Insurance quote and decide carefully the insurance premium options that you will select.

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May all American families drive safely.

Sincerely                                          

John Cobb

John Cobb

New Jersey car insurance specialist

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