Car Insurance in NJ, NY, CT, PA, MD, DE + 20 Other States
Your car is one of your most important assets. It helps you get to work, shop for what you need, and keep you connected with friends and family. Unfortunately, accidents happen even to the most careful drivers. Protect your vehicle – and wallet – with a car insurance policy from Muller Insurance. We are an independent agency serving New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states, and we work with numerous insurers to find affordable plans to meet your needs.
What Does Auto Insurance Cover?
Standard auto insurance starts with liability protection. Liability coverage pays for repairs, replacements, and medical fees for the other drivers involved in an accident – saving you from paying out of pocket. Depending on your region, the standard policy may also include personal injury protection (PIP), which covers medical and funeral expenses after an accident for you, your passengers, or any family members that are injured while in your car. PIP may also help pay for childcare or lost income while you are recovering.
Also included is collision coverage, which guards against the costs of fixing your car after an accident, as well the protection and recovery of a stolen vehicle in the event of theft. And when your vehicle is threatened by storms, falling objects, or other causes, comprehensive coverage steps in to pay for repairs.
What Additional Coverage is Available for Car Owners?
Depending on your finances and needs, you can also expand your coverage for other unforeseen situations. At Muller Insurance, these extra types of coverage include:
- Roadside assistance: Car problems don’t happen when they’re convenient. If you get locked out of your car or get a flat tire while on the road, your insurance company can come to the rescue.
- Uninsured/underinsured motorists: In an accident, you can’t always count on the other driver’s insurance. This coverage type protects you if you or your passengers are hurt by a driver who doesn’t have enough insurance to pay for your expenses.
- Towing and labor: If your car is too damaged to drive, this optional coverage will pay for the cost of towing it to a nearby repair shop.
- Legal help: Some collisions lead to legal action. A good insurance policy can back you up in court, helping you pay for quality defense representation and cover other associated costs.
- Boat, motorcycle, and RV coverage: Do you own vehicles other than your car? You can protect those, too, with an add-on to your car insurance policy.
| BENEFIT | REASON |
|---|---|
| Roadside assistance | Car problems don’t happen when they’re convenient. If you get locked out of your car or get a flat tire while on the road, your insurance company can come to the rescue. |
| Uninsured/underinsured motorists | In an accident, you can’t always count on the other driver’s insurance. This coverage type protects you if you or your passengers are hurt by a driver who doesn’t have enough insurance to pay for your expenses. |
| Towing and labor | If your car is too damaged to drive, this optional coverage will pay for the cost of towing it to a nearby repair shop. |
| Legal help | Some collisions lead to legal action. A good insurance policy can back you up in court, helping you pay for quality defense representation and cover other associated costs. |
| Boat, motorcycle, and RV coverage | Do you own vehicles other than your car? You can protect those, too, with an add-on to your car insurance policy. |
We’ll Find the Right Policies for You
At Muller Insurance, we’ll help you find just the right policy for your priorities and wallet. Our agents work with premier providers like Chubb Insurance, Plymouth Rock Insurance, Travelers Insurance, Progressive, Liberty Mutual, and many more. We also believe a not-so-spotless record shouldn’t get in the way of affordable protection, which is why Muller Insurance helps individuals with seven points or more, a history of DUIs, or even a suspended license. Contact us today to request a quote for our car insurance policies if you live in New Jersey, New York, Connecticut, Pennsylvania, or another state we serve.
Frequently Asked Questions About Auto Insurance
Is auto insurance required in New Jersey?
Yes. New Jersey law requires every registered vehicle to be insured. Coverage must include liability and personal injury protection (PIP), and standard policies typically also include uninsured and underinsured motorist coverage. Driving without insurance can bring fines, license suspension and other penalties. Muller Insurance can explain the minimums and which limits make sense for you.
What does personal injury protection (PIP) cover?
PIP pays medical expenses after an accident for you, your passengers or family members injured in your car, no matter who was at fault. Depending on your policy, it can also help with funeral costs, childcare and lost income while you recover. New Jersey lets you choose your PIP limit, so it is worth reviewing with an agent.
What is the difference between liability, collision and comprehensive coverage?
Liability pays for the other driver’s repairs and medical bills when you cause an accident. Collision pays to repair your own car after a crash. Comprehensive covers other damage, such as theft, storms or falling objects. Lenders usually require collision and comprehensive coverage on financed or leased vehicles.
Can I get auto insurance with points, a DUI or a suspended license?
In many cases, yes. Muller Insurance helps drivers with seven or more points, a history of DUIs or a suspended license. Because we are an independent agency, we compare options across multiple carriers to find coverage that fits your driving record. Rates are usually higher than for a clean record, so ask for a quote to see your options.
Which insurance companies does Muller Insurance use for auto insurance?
We work with carriers including Chubb, Plymouth Rock, Travelers, Progressive and Liberty Mutual, among others. As an independent agency we are not tied to one company, so we compare quotes to match your needs and budget.
Can I bundle auto insurance with home, condo or renters insurance?
Yes. We quote Home + Auto, Condo + Auto and Renters + Auto packages, and bundling often lowers the total premium. Ask for a combined quote when you request your auto quote.
What optional auto coverage is available?
Optional coverage includes roadside assistance, uninsured and underinsured motorist protection, towing and labor, and legal help. You can also add boat, motorcycle and RV coverage to your auto policy.
How do I get an auto insurance quote from Muller Insurance?
Fill out the Quick Quote form on this page or call 201-659-2403. Our team also speaks Spanish, Turkish, Czech, Urdu and Croatian.
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