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NJ Car Insurance
Rating Examples
Example
1-A
Driver: 18-year-old, youthful male, unmarried
- Principal Operator
- Driver Training, no good student
discount
- No accidents within the past 3 years
- No motor vehicle violations within
the past 3 years
- Pleasure use (12,000 annual miles)
- Verbal Threshold
- $250,000 Standard
Personal Injury
Protection (PIP), $250 deductible
- With a Category II Anti-theft device
discount, and active seatbelt and dual airbags (front only)
- Without any defensive driving course
discount
- Liability only policy:
- Bodily Injury limits of $15,000/$30,000
- Property Damage liability $5,000
(or combined single limit of $35,000)
- Uninsured Motorist Coverage:
- Bodily Injury limits of $15,000/$30,000
- Property Damage liability $5,000
(or Combined Single Limit of $35,000)
- 2003 Buick
Century Custom 4 door sedan
- ISO rating symbol 8
Example 1-B
Driver: Use same criteria
as 1-A, except one at-fault accident
Example 2-A
Driver: Married couple, both between ages of 30
and 49 with newly licensed 17-year-old daughter in household
- No driver
training, no good student discount
- No accidents
within the past 3 years
- No motor
vehicle violations within the past 3 years
- Pleasure
use (12,000 annual miles)
- Verbal Threshold
- $250,000
Standard Personal Injury Protection (PIP),
$250 deductible
- With a Category
II Anti-theft device discount, and active seatbelt and dual airbags
(front only)
- Without any
defensive driving course discount
- Liability:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- Uninsured
Motorist Coverage:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- 2003 Buick
Century Custom 4 door sedan
- ISO rating
symbol 8
- $750 deductibles
for Comprehensive and Collision
Example
2-B
Driver: Use same criteria
as 2-A, except husband has one at-fault accident
Example 3-A
Driver: Married couple, both between ages
of 30 and 49
- 2 vehicles
on policy and no inexperienced operator in household
- No accidents
with the past 3 years
- No motor
vehicle violations within the past 3 years
- Continuous
insurance with same company for 10 years
- Car #1: Driven
by husband to work 10 or more miles, 20,000 annual miles
- Car #2: Driven
by wife to work less than 3 miles, 12,000 annual miles
- Verbal Threshold
- $250,000
Standard Personal Injury Protection (PIP),
$250 deductible
- With a Category
II Anti-theft device discount, and active seatbelt and dual airbags
(front only)
- Without any
defensive driving course discount
- Liability:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- Uninsured
Motorist Coverage:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- Car #1: 2003
Buick Century Custom 4 door sedan, ISO rating symbol 8
- Car #2: 1999
Chevrolet Astro Van 4 x 2, ISO rating symbol 6
- $750 deductible
for Comprehensive only
Example
3-B
Driver: Use same criteria
as 3-A, except husband has a four-point moving violation and two
comprehensive
claims over $750 each; wife has one at-fault accident
Example
3-C
Driver:
Use same criteria as 3-A, except:
- Have no at-fault or not at-fault
accidents within the past 5 years
- No motor vehicle violations within
the past 5 years
- No Schedule 1 offense (refer to
N.J.A.C. 11:3-34.5) within 5 years
- Has no comprehensive claims, including
theft, within 5 years
- One operator has at least 20 years
of driving experience
- Has companion policy
Example
4-A
Driver: Married couple, both between the
ages of 65 and 69
- No accidents
within the past 3 years
- No motor
vehicle violations within the past 3 years
- Pleasure
use (12,000 annual miles)
- Verbal Threshold
- $250,000
Standard Personal Injury Protection (PIP),
$250 deductible
- With a Category
II Anti-theft device discount, and active seatbelt and dual airbags
(front only)
- Without any
defensive driving course discount
- Liability:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- Uninsured
Motorist Coverage:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- 2003 Buick
Century Custom 4 door sedan
- ISO rating
symbol 8
- $750 deductibles
for Comprehensive and Collision
Example 4-B
Driver: Use same criteria as 4-A, except
one at-fault accident
Example 5-A
Driver: 26-year-old female, unmarried
- No accidents
within the past 3 years
- No motor
vehicle violations with the past 3 years
- Please use
(12,000 annual miles)
- Verbal Threshold
- $250,000
Standard Personal Injury Protection (PIP),
$250 deductible
- With a Category
II Anti-theft device discount, and active seatbelt and dual airbags
(front only)
- Without any
defensive driving course discount
- Liability:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- Uninsured
Motorist Coverage:
- Bodily
Injury limits of $100,000/$300,000
- Property
Damage liability $25,000 (or combined single limit of $300,000)
- 2002 Saturn
Sedan L300
- ISO rating
symbol 10
- $750 deductibles
for comprehensive and collision
Example 5-B
Driver: Use same criteria as 5-A, except
one at-fault accident
Example 5-C
Driver: Use same criteria as 5-A except:
- No at-fault or not-at-fault accidents
within the past 5 years
- No motor vehicle violations within
the past 5 years
- No Schedule 1 offenses (refer to
N.J.A.C. 11:3-34.5) within 5 years
- Has no comprehensive claims, including
theft, within 5 years
Example 6-A
Driver: 30-year-old male, single car policy
- No motor
vehicle points within 3 years
- No at-fault
or not-at-fault accidents within the past 3 years
- Drive to
work less than 3 miles; 10,000 annual miles
- Verbal Threshold
- $250,000
Standard Personal Injury Protection (PIP),
$250 deductible
- With a Category
II Anti-theft device discount, and active seatbelt and dual airbags
(front only)
- Without any
defensive driving course discount
- Liability:
- Bodily
Injury limits of $15,000/$30,000
- Property
Damage liability $5,000 (or combined single limit of $35,000)
- Uninsured
Motorist Coverage:
- Bodily
Injury limits of $15,000/$30,000
- Property
Damage liability $5,000 (or combined single limit of $35,000)
- 2003 Buick
Century Custom 4 door sedan
- ISO rating
symbol 8
- $750 deductibles
for Comprehensive and Collision
Example 6-B
Driver: Use same criteria
as 6-A except:
- Bodily Injury limits of $100,000/$300,000
- Property Damage liability $25,000
- No motor vehicle points within 3
years
- No at-fault or not-at-fault accidents
within the past 3 years
Example 7
Driver: 30-year-old male, single car policy
- No motor vehicle
points within the past 3 years
- No at-fault or
not-at-fault accidents with the past 3 years
- Drive to work
less than 3 miles; 10,000 annual miles
- Standard Tier
(1.00)
- With active seatbelt
and dual airbags (front only)
- Without any defensive
driving course discount
- 1 year with company
- BASIC POLICY
- $5,000 Property
Damage
- $15,000 Personal
Injury Protection (PIP)
- No physical
damage coverage
- No optional
Bodily Injury coverage
NJ Car Insurance
Rating Examples