Auto liability insurance covers the costs of injuries to other people and damage to their property if you are at fault in a car accident.

It is a the most important part of your auto insurance policy and is required by law in most states. Most states have minimum liability coverage requirements, but it's often recommended to carry more than the minimum to adequately protect yourself. 

The minimum required coverage for 2026 is: $35,000 for bodily injury per person, $70,000 for bodily injury per accident, and $25,000 for property damage.  Your current policy will be affected. your insurance company will automatically adjust your policy to the new minimums at renewal; you do not need to sign new forms for this increase to take effect

Liability insurance does not cover your own vehicle repairs or your own injuries. You would need collision or comprehensive coverage for that. 

Liability insurance only applies when you are found to be at fault for the accident. 

Collision and comprehensive insurance are two types of optional car insurance coverage that protect your vehicle from different types of damage.

Collision insurance covers damage to your vehicle resulting from an accident, regardless of who is at fault.

For ex: Damage to your vehicle from collisions with other vehicles, objects (like fences or poles), or rollovers. 

Comprehensive insurance covers damage to your vehicle from non-collision events like theft, vandalism, fire, hail or hitting an animal. Both are often required if you are financing or leasing your vehicle. 

The deductibles can vary and impact your premium. Also, if you are leasing or financing your vehicle, certain deductible minimums could be required. Be sure to check your finance/lease agreement.

Your NJ auto insurance is likely increasing due to widespread inflation driving up repair/medical costs, more severe accidents from distracted driving, and new state laws requiring higher minimum liability coverage, all forcing insurers to raise rates to stay solvent, even if your personal record is clean. Factors like your driving record, claims history, location, and even the increasing complexity of newer cars also play significant roles, impacting your premium at renewal. 

Drivers can often get an initial discount just for enrolling and then earn further savings at renewal based on their driving score. Good driving behavior and practicing safer driving is the goal. Telematics uses technology to monitor a driver's actual habits behind the wheel to determine their premium. This data-driven approach allows insurers to offer more personalized and potentially lower rates, especially for safe and low-mileage drivers.

While tracking is the concern, it is no different than having a mobile device, using Wi-Fi and cellular service, along with many other apps you are already using.

This is the most significant reason people bundle. Most insurers offer a multi-policy discount that can range from 5% to 25% (or more) on your premiums for having multiple policies with them. These savings can add up to hundreds or over a thousand dollars a year.

Tickets (speeding, DUI) or at-fault accidents significantly raise your risk profile, with DUIs causing the biggest jumps. If you are notified that your policy is being non renewed, there is baskic state insuranceavailable however, we are not an approved agent. You can check here

https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml