If you travel, you are bound to require a rental vehicle. There are also cases where you may never drive but have a day of errands or even leisure in Newark, New Jersey and find yourself needing a rental but there is a question about insurance. If you own a vehicle, you likely have New Jersey’s minimum coverage. The Automobile Insurance Cost Reduction Act requires all auto owners to have basic insurance to be road-legal while driving. Most rental services will offer loss damage waivers (LDW) and collision damage waivers (CDW), taking the place of your collision and comprehensive insurance but the exemptions differ and come with deductibles. In other cases, it could null and void if the accident is your fault. But there is a way to lessen the potential for disaster.

Non-owner car insurance covers drivers who do not own a vehicle but do drive on occasion. Be that a rental or a friend’s car, having supplemental insurance is never a bad idea.  Not only are you ensuring that you do not go into debt because of the unpredictability of an accident, but you are also protecting yourself from future choices. Non-owner insurance is ideal if you will be without a vehicle for a period of time. By purchasing non-owner insurance through E.S.T.I.R. Inc. , you are also avoiding higher insurance costs for when you do buy a car and insurance. 

Rental car insurance varies in price and coverage. The waivers are often confusing, and chances are you are paying too much for an insurance plan that you could obtain for yourself. Relying on a third party that is a stranger may lead you to find yourself in a bind. E.S.T.I.R. Inc. auto insurance ensures the safety of your wallet and well-being. Give them a call today.

In life, one of the most important things is a person’s family in all walks of life. Keeping your family safe in your vehicle, this is certainly no exception to that – and perhaps it is among the most important places to keep them safe. In all, one of the best ways to do this is to make sure that you have proper automobile insurance. In order to operate a vehicle, a driver is required to – from the very first moment – have automobile insurance. Thankfully, in New Jersey, the Automobile Insurance Cost Reduction Act ensures that drivers should have a basic policy available no matter what level of experience you hold. However, the basic plan is not the best out there for families and definitely skews more strongly to drivers who have fewer responsibilities (such as younger drivers).

A basic plan may be good start if you are without any other options at your disposal, but it is important to also consider plans that work the best for you. Understandably, it can be a very difficult and stressful process, trying to figure out exactly which plan is it that works for you. Thankfully for you, E.S.T.I.R. Inc. has one priority, to get you exactly the kind of coverage you need. We do this by examining your situation in life and your specific needs, and in minutes we can offer a selection of insurance options for you.

People in and around the New Jersey area who are still finding themselves confused by all of the red tape and such of insurance can contact us at E.S.T.I.R. Inc. either online or by phone at (973) 481-5300. Insurance is important, so we will do everything we can to get you protected.

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When it comes to finding the right kind of auto insurance in and around Newark, NJ there are many different options available to you. You simply need to decide which kind of auto insurance is right for you. At E.S.T.I.R. Inc. we are here to show you all of the available options so you can decide what sort of coverage works for your particular budget and your driving needs. 

Liability Insurance

This form of auto insurance will protect you in the event of a car accident when it is deemed to be your fault for the accident. This is generally going to cover the cost of auto repairs for the property and other damage the other vehicle and property owners have sustained. 

Comprehensive Insurance

This is a kind of insurance coverage that will protect you from accidents that are not related to actual driving. For example, it can protect you from weather damage, like a tree falling onto your vehicle. It also covers your vehicle if you hit a deer while out driving or if the vehicle is stolen. You never know when such an incident might take place, so this is an insurance coverage that often is recommended. 

Collision Insurance

Collision insurance is a form of coverage that pays to have your vehicle repaired in the event of an accident. It will also cover your vehicle if it is totaled in an accident and you need to have it replaced. 

Underinsured/Uninsured Coverage

Everyone is required to have auto insurance while driving on roads in New Jersey. However, with that said, people still drive without this coverage. This generally ends up costing a driver such as yourself. In order to protect yourself in the event you are in an accident with such an individual, you should consider this insurance. 

When it comes to the matter of fueling one’s vehicle, quality is, at times, much more important than quantity. On the flip side, many cars are better off with just regular gas. Are you having trouble differentiating between the two? Not to worry. The following is a closer look at the differences between premium versus regular gas to decide which type is best for your car. 

If Premium Is Not Specified, It’s Not Needed

First and foremost, you might believe that you are helping your car out by purchasing premium gas. However, unless the need for premium fuel is explicitly stated, your vehicle will not operate any more proficiently with premium gas. 

Engine Type

Moreover, if your vehicle does not specify premium gas, it’s likely with good reason. The vehicles that suggest premium gas have turbochargers, high-compression engines, and other high-performance aspects that are given a boost when they are powered by premium fuel. 

Top Tier Gas Benefits 

In addition to that, fueling your vehicle with Top Tier gas, in general, can provide your car with a host of benefits. By specifically gassing your vehicle up with fuel marked "Top Tier", you will be purchasing gas that has received an official designation from the Environmental Protection Agency and thus, guarantees that the gas meets a minimum standard in terms of performance as well as cleanliness. 

Overall, no matter what type of gas you choose, the best way to save money on car-related expenses by purchasing quality auto insurance. For instance, E.S.T.I.R. Inc. proudly serves the area of Newark, NJ. Providing an array of customizable package options, give them a call today and save! 

Fender bender fraud raises car insurance premiums for all drivers out on the road every year by costing insurance companies enormous sums of money. As a driver, you can do your part to minimize another driver’s chances of pulling off insurance fraud with the following five helpful tips:

Always get a police report written up

Sometimes, drivers are tempted to forego the police report because it usually takes a lot of time to wait for the police to arrive on the accident scene. However, any time you’re exchanging insurance information with another driver, you should also be having the police come in to observe and mediate the proceedings. 

Look for witnesses

It’s often hard for drivers who are shy to get the witness testimony they need because they’re reluctant to question bystanders. However, doing so could really help you out later on. If you have numerous witness testimonies backing you up and supporting the idea that a claim is fraudulent, you’ll be able to protect yourself from unfair claims on your insurance policy. 

Take pictures

After the accident, take pictures of everything. Pictures are especially useful in proving that an individual was not really severely injured at the time of the accident. You therefore might even want to get pictures of the other drivers involved if possible. 

Communicate with your insurance company

If your suspicious of fender bender fraud, you should tell your insurance company. Your insurance company knows how to investigate suspicious cases. If you want to prevent your rates from going up because of an unfair claim, notify your insurance provider of any suspicions right away. 

Interested in learning more? For an auto insurance authority located in the Newark area, contact E.S.T.I.R. Inc.