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Retcho Agency Inc

308 Harrington Ave,
Closter, NJ 07624

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Auto Insurance

Auto Insurance in New Jersey

Retcho Insurance Agency, Closter New Jersey

car insurance new jerseyWhether you're new to New Jersey or you've lived in the Garden State for a while, after buying a car, next comes thinking of what car insurance coverage is right for you. There are always those questions about what auto policy I should purchase or what is required of me? This is why having the right auto insurance agency is crucial. Without the proper knowledge, it is easy to make mistakes that will cost you down the line. But with Retcho Insurance Agency in Closter NJ, we want to ensure you do not make such mistakes. Our insurance agents have many ways to help you save money and lots of helpful information for New Jersey drivers just like you. Before purchasing auto insurance in Closter or New Jersey in general, here are some things you need to consider.

The Coverage You Need

There are various types of auto coverages, such as bodily injury liability, property damage liability, comprehensive, collision, etc. Because insurance depends on many variables, you cannot buy a policy similar to your friend’s without thinking about your needs. You have to factor in how much risk you are exposed to. In addition, if you are getting a automobile for your teenagers, your insurance needs will not be the same as for someone that has been on the road for many years. Once you better understand your risks, you will make better informed choices on the insurance coverage to get. This is why having an experienced insurance agent is crucial. Here are some examples of auto insurance coverages:

Pays for damages to others caused by you as a result of an auto accident. Lawyer to defend you if you are sued for damages are also part of the coverage.

Personal Injury Protection (PIP)
Provides coverage for the medical expenses you or anyone covered by your policy incur as a result of an auto accident. In the state of New Jersey, regardless of fault of the auto accident, the medical coverage is provided by your own auto insurance carrier.

car insurance policy closter njUnderinsured and Uninsured Motorist
Pays to compensate you if you are injured and/or your vehicle is damaged in an accident caused by a motorist with too little or no auto liability insurance coverage.

Comprehensive (Other than Collision)
Pays for damage to your vehicle that is not the result of a collision with another car or object minus your deductible. Causes of damage might include theft, vandalism, flooding, fire, windshield, collision with an animal or falling/flying objects.

Pays for damage to your vehicle resulting from your vehicle's impact with another vehicle or object minus your deductible.

No one wants to be in an accident, but if you ever am involved with an auto accident, and have a question, you can always call our insurance agents, contact your carrier. Here is a helpful claim article in the even of an accident.

Law Requirement

auto insurance law closter njAnother factor to consider is what New Jersey laws state regarding car insurance. Currently, car owners must have liability insurance to help cover any losses that a third party may incur if you cause an accident with your vehicle.

Per New Jersey Motor Vehicle Commission, all vehicles in NJ must carry Liability insurance, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.  All drivers in New Jersey must provide proof of insurance when operating any vehicle.  Following are the minimum coverage requirement in the state of New Jersey.

  • Bodily Injury Liability Coverage: $15,000 per person and $30,000 per accident
  • Property Damage Liability Coverage: $5,000 per accident
  • Personal Injury Protection (PIP): $15,000
  • Uninsured/Underinsured Motorist Bodily Injury Coverage: $15,000 per person and $30,000 per accident
  • Uninsured/Underinsured Motorist Property Damage Coverage: $5,000 per accident with a $500 deductible

*Be advised that the above is the bare minimum auto insurance requirement. As the cost of living in New Jersey is much higher than some other states, we strongly recommend higher limits to better cover your needs. Contact Retcho insurance agency today.  

Your Budget

auto insurance closter njAnother important thing when getting insurance is your budget. To get the proper estimate for your auto coverage in NJ, think of your daily expenses such as the mortgage/rent, tuition, childcare, and utilities. You do not want to run into financial troubles later because you chose coverage beyond your budget. Also remember that you save more when you bundle with home insurance, condo insurance or renter's insurance.


For further assistance in choosing the right auto insurance coverage for you and your vehicle, contact our Retcho Insurance Agency at Closter, New Jersey. Our insurance agents will work with you and ensure you make informed choices that will protect you and your vehicle. Call our insurance agents in Closter NJ today and get your auto insurance the right way. You can also use our 3 minute quoting platform to get your estimate.

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Partner Carriers

  • Chubb
  • Franklin Mutual
  • KBIC
  • Liberty Mutual
  • N&D Group
  • Neptune Flood Insurance
  • Pacific Specialty
  • Plymouth Rock/Palisades safety and insurance
  • Progressive
  • Safeco
  • Shelter Point
  • The Hartford
  • Travelers
  • Wright National Flood Insurance