Car Insurance in Passaic, NJ
Getting around the Garden State means having a vehicle with reliable auto insurance.
If you are among the 47% of Passaic employees who depend on their vehicle to get to work daily, you understand the importance of dependable transportation. Drivers know they must change the oil and tires and fill the gas tank regularly to keep their cars running. Another way to maintain your vehicle is having high-quality car insurance in Passaic, NJ.
Passaic has many forms of public transportation, including NJ Transit and other bus lines. You can also take a train to the Jersey Shore, NYC or a neighboring town. However, most people in Passaic rely on personal vehicles to get to school, work and stores.
Once Passaic drivers get behind the wheel, they spend more time there than average. The commute in Passaic is about 26.8 minutes. It's longer than the national average of 26.4 minutes. Because the city's drivers spend more time commuting, the risk of an accident is higher, making car insurance in Passaic, NJ, essential.
Passaic has four seasons of weather, each bringing driving hazards.
Passaic gets about 49 inches of rain annually, more than the national average of 38 inches. Rain can cause driving hazards. It can make it hard to see oncoming vehicles, especially if they don't have headlights on. Rain can also obscure traffic signals and make roads slippery.
Passaic may get 26 inches of snow annually. Snow and ice can cause road hazards, even on treated roads. As the sun melts snow during the day, the water can freeze again when the temperatures drop and create icy patches.
Fresh snow can obscure traffic signs. Drivers who do not clear their vehicles may have windows or traffic signals covered in snow, making driving conditions hazardous.
According to the New Jersey Department of Transportation, there were 12,705 vehicle crashes in 2020. That's a low number compared to previous years; in 2019, there were 17,921 accidents in the Garden State.
Traffic can get heavy in Passaic, especially during the afternoon commute. Monroe Street and Passaic Street on the city's east side may experience high congestion. Having many cars on the road at once increases the chances of accidents. When you drive in heavy traffic, though, you can enjoy the peace of mind car insurance in Passaic, NJ, can bring.
Full auto insurance coverage in New Jersey costa about $500 more than the national average of $2,008 per year. Passaic residents pay less than that, as the city's annual average is $1,957.
You have many insurance coverage options, which can be a lot to navigate. VIU by HUB offers an online tool that compares policies from several companies. It can make shopping for insurance easier. You can see the costs and options different insurers provide and decidebased on your requirements.
A standard New Jersey auto insurance policy covers:
A basic policy does not include bodily injury liability insurance.
Your vehicle gets you to work, school and many other places. Having dependable car insurance in Passaic, NJ, helps you get back on the road after an accident. When you select your policy, rely on the tools VIU by HUB provides to make your shopping process smooth and easy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
