Types of Liability Coverage in Your Auto Insurance

Every vehicle owner in New Jersey must have auto insurance. It’s required by law but also crucial for protecting yourself. Whenever you drive, you need to have your auto insurance in place and carry proof of it. Being caught without this insurance can mean a lot of costly fines and fees. You can call us at The Insurance Outfit in Chester, NJ when you need auto insurance.

Personal Injury Liability 

Your auto insurance policy is required to have this type of coverage. It pays for the many costs associated with being at fault for an accident. When you cause an accident, you are liable for all the medical bills people have after it. This may include hospital bills and any ongoing therapies or treatments. The cost of medical bills is always rising, and paying for them can be a serious financial hardship if you don’t have personal injury liability coverage. Make sure you have enough of it to be able to pay for a serious accident. 

Property Damage Liability 

This is another required type of auto coverage in your policy. It pays for the damage to the other person’s vehicle or property when you cause an accident. A vehicle could damage another vehicle, a building, some landscaping, etc. All of this damage can be extremely expensive to fix, especially if you hit a very expensive vehicle. Make sure you always have this coverage and that you have enough of it to protect yourself. 

Get Your Auto Policy

If you’re buying a vehicle, make sure you have an auto policy for it on the first day you own it. Lenders generally require you to have one. Contact us at The Insurance Outfit in Chester, NJ to get your policy.

Everything You Need to Know About Collectors Vehicle Insurance

Collector’s vehicles, whether classic cars, vintage motorcycles, or rare sports cars, are not just means of transportation; they’re cherished assets. To protect these valuable possessions, you need specialized insurance known as collector’s vehicle insurance. Here’s some information about collectors vehicle insurance from The Insurance Outfit, which provides this insurance product to residents in the greater Chester, NJ region. 

Understanding Collector’s Vehicle Insurance

Collector’s vehicle insurance is designed for vintage and collector automobiles’ unique needs. Unlike standard auto insurance, which depreciates a vehicle’s value, this type of coverage considers the appreciation in value that many collector cars experience over time.

Key Aspects of Collector’s Vehicle Insurance

  1. Agreed Value: Collector’s vehicle insurance offers "agreed value" coverage, ensuring you receive an agreed-upon amount in the event of a total loss rather than the depreciated market value.

  2. Limited Usage: Policies often include mileage restrictions but cover special events like car shows and parades.

  3. Appraisal Requirements: Some policies require periodic appraisals to keep coverage in line with the vehicle’s appreciation.

  4. Storage Considerations: Secure storage, such as a garage or facility, may be required to mitigate risk.

  5. Specialized Coverage: Collector’s vehicle insurance may cover spare parts, original equipment, or unique modifications.

When to Consider Collector’s Vehicle Insurance

If you own a collector’s vehicle, this insurance is essential. It provides tailored protection against the specific risks associated with vintage and collector automobiles.

Collector’s vehicle insurance safeguards your investment and preserves automotive history. It offers peace of mind, allowing you to enjoy your collector vehicle without worry. If you’re interested in purchasing a policy in the greater Chester, NJ region, contact The Insurance Outfit today. 

Potholes and Pitfalls: Avoiding Common Auto Insurance Mistakes

The Insurance Outfit is here to help residents of Chester, NJ, and the surrounding areas navigate the pitfall-filled world of auto insurance. While it’s essential to understand what the law requires regarding basic car insurance coverage, determining exactly how much additional coverage you will need can often be challenging. Here are some common auto insurance mistakes you should avoid when setting up your plan.

Assuming Comprehensive Insurance Covers Everything

A common mistake is assuming comprehensive coverage includes everything you need. While comprehensive car insurance should cover damages caused by natural disasters, theft, accidental fire, vandalism, and more, it doesn’t cover every possible incident. Ensure you understand precisely what your policy covers and supplement it with additional coverage if necessary.

Underestimating Your Coverage Needs

Many people underestimate their coverage needs, which can lead to serious financial issues in the event of an accident or other covered incident. For instance, if you are in an accident and your medical bills exceed the limits of your personal injury protection (PIP) coverage, you may be responsible for paying those expenses out-of-pocket. To avoid this, ensure your PIP coverage is adequate for any potential medical bills related to an auto accident. In addition, consider adding uninsured/underinsured motorist (UM/UIM) insurance to protect yourself against drivers who don’t have the required coverage.

Failing To Update Your Policy

It’s essential to keep your insurance company informed of any modifications or additions you make, such as installing a new sound system or adding a tow package. This will ensure that you have the correct type and amount of coverage for your vehicle in case of an accident or other covered incident.

At The Insurance Outfit, we can help you ensure you have the right vehicle coverage and situation coverage. Our experienced agents are here to answer any questions about auto insurance policies and help you find a plan for your needs. Don’t let common auto insurance mistakes stand in the way of protecting yourself and your family; contact The Insurance Outfit today. We’re here to help you navigate the potholes and pitfalls of auto insurance coverage in Chester, NJ.

Collector vehicle insurance FAQs

There are so many types of questions asked about different topics every day. Some people have questions about auto insurance. Some people have questions about the world around them. Today, we will answer some of the most frequently asked questions about collector vehicle insurance.

Frequently asked questions about collector vehicle insurance

What makes a car a collector’s vehicle?

A collectible car is a car that has significant historical value. There are a few different categories for classifying collectible cars. Classic collectibles are at least 15 to 25 years old. Antique collectibles are more than 25 years old. Other categories are the car’s rarity, muscle cars, and body style.

What is the most popular collector’s car?

Some of the most popular collectible classic cars include the 1963-1967 Mercedes Benz 230 SL, the 1983-1997 Land Rover Defender, and the 1979-1985 Mazda RX-7. Some of the most popular muscle cars include the Plymouth Superbird, Buick GSX, and the Chevrolet Chevelle SS.

How old does a car have to be for collector’s vehicle insurance?

Most places require cars to be at least 25 years or older to qualify for collector’s vehicle insurance or classic car insurance.

How do I know what coverage I need for my collector’s vehicle?

It depends on what you use your collector’s vehicle for and the state requirements. In most states, you must have a minimum amount of liability insurance. Most insurance companies will require proof that your car is a collector’s vehicle before you can qualify for collector vehicle insurance. You might find your insurance agent helpful in determining what type of coverage you need.

Contact us

For more information about collector vehicle insurance, contact us at The Insurance Outfit in Chester, NJ.

Five Myths About Auto Insurance Debunked!

Unfortunately, the average American does not think much about their auto insurance until they need it. It is even sadder that so many myths about auto insurance circulating can cause people to make poor decisions about their coverage. This blog post will debunk five of the most common myths about auto insurance. After reading this post, you will have the knowledge you need to make informed decisions about your coverage.

Myth 1: The Color of Your Car Affects Your Premium

This is one of the most persistent myths about auto insurance. The truth is, the color of your car has no bearing on your premium. Insurance companies consider various factors when setting premiums, including the make and model of your vehicle, your driving history, and the amount of coverage you need.

Myth 2: All Policies Cover the Same Things

This is not true. Insurance policies can vary widely in terms of the coverage they provide. It is essential to read your policy carefully and understand what is and is not covered. If you have questions about your coverage, ask your insurance agent.

Myth 3: Your Insurance Company Will Pay for All of Your Damages

This is another myth that can lead to disappointment. While your insurance company will pay for some of the damages caused by the accident, you will likely have to pay a deductible before they start coverage. Additionally, most policies limit the amount of money paid for each type of damage.

Myth 4: You Don’t Need Collision Coverage if Your Car is Old

Another common myth is that you don’t need collision coverage if your car is old. The truth is that collision coverage can be beneficial even if your vehicle is not worth much. This coverage can help to pay for repairs or replacement of your car if it is damaged in an accident.

Myth 5: Your State’s Minimum Coverage is All You Need

This is a myth that can be dangerous. While your state’s minimum coverage may meet the legal requirements, it may not be enough to cover all of the damages caused by an accident. It is important to consider your needs and choose a policy that provides adequate coverage.

Auto insurance is an integral part of owning a car. Understanding the myths about auto insurance is vital to make informed decisions about your coverage. The Insurance Outfit can help you find the right policy for your needs in Chester, NJ. Give us a call today to learn more.

Common Auto Insurance Exclusions

Whether you are leasing or buying a car, one thing you must buy is auto insurance. But because of the excitement of buying a new ride, you may not be too keen to read your policy document. This mishap may not cause a problem immediately but might be costly when involved in an accident. At The Insurance Outfit of Chester, NJ, we would like to inform you about common auto insurance exclusions to ensure you don’t get surprises when filing a claim.

Mechanical breakdown

Is the engine of your car failing you? Or perhaps the transmission is jerking incessantly? If the mechanical breakdown doesn’t result from damage suffered during an accident, car insurance won’t cover it.

Intentional damage

This is pretty obvious, but we will still say it because it happens. You can’t intentionally crash your car against another car during a road rage and expect compensation from your insurer. Similarly, if an experimental paint job goes wrong, you can’t run to your insurer for compensation.

Personal property exclusion

Suppose you are involved in an accident, and your laptop becomes damaged. Your car insurance policy will cover the damage to your car but not the damage to the laptop. Similarly, if personal items are stolen when inside your car, auto insurance won’t cover them. However, you can get compensation if you have renter’s insurance.

Commercial use exclusion

If you use your personal vehicle for commercial reasons, you may not be compensated for damages if an accident occurs while running business operations. For this reason, it would be best to invest in commercial auto insurance to avoid undergoing such a predicament.

Drag racing

Racing might be your thing, but know that typical car insurance won’t cover you for damages and injuries sustained in racing events.

Want to learn more about auto insurance? Would you please get in touch with The Insurance Outfit of Chester, NJ?

What Should You Know About Auto Insurance?

If you are a car owner from the state of New Jersey, you cannot drive your car until you purchase car insurance that is required by the state. The Insurance Outfit serving clients in Chester, NJ prepared a list of other things that you should know about car insurance. 

What Should You Know About Car Insurance?

  • There are certain factors that have an impact on the cost of your car insurance. They are your age, driving experience, marital status, location, and even your credit score. 
  • There is a difference between comprehensive and collision coverage. Comprehensive coverage protects you against damage and theft caused by such things as fire, vandalism, falling trees or rocks, and others. Collision coverage reimburses the damage caused by a collision with another vehicle or object. 
  • It will cost to insure a more expensive vehicle. Therefore, when you are shopping for a new vehicle, it is recommended to find out what your insurance will cost to insure certain car models that you are considering. 
  • Standard auto insurance will not cover a car used for business purposes. If you are planning to use your car for commercial purposes, you will have to purchase separate commercial auto insurance. 
  • The cost of auto insurance may vary depending on the insurance company. Therefore, you should compare the quotes from several different companies and pick the one that suits you more. 

The Insurance Outfit – We Will Help You Insure Your Car

If you are a car owner from Chester, NJ or any other nearby town, and you are currently looking for car insurance, feel free to contact The Insurance Outfit. Our experienced and qualified agents will help you find a perfect policy based on your needs and budget. Do not hesitate to visit our website and give us a call. 

What Are the Basic Auto Insurance Requirements in New Jersey?

Basic Auto Insurance Requirements in New Jersey

Insurance requirements in New Jersey require that all motorists carry insurance before they register their vehicle and while operating on New Jersey roadways. As a mandatory no-fault insurance state, medical expenses, lost work wages, and other costs associated with an auto accident are covered. A minimum liability that includes bodily injury and property damage is necessary for New Jersey. Additional coverage is not necessary by law, but it is recommended for maximum protection. Collision, comprehensive, and uninsured motorists will offer deeper levels of coverage than liability alone and it is recommended that these types of extra coverage be strongly considered when you are seeking a provider.

At The Insurance Outfit of Chester, NJ, our agents have years of collective experience helping motorists get the best coverage possible. We are happy to work with you to find the right auto insurance policy that gives you the best protection possible.

Staying Protected with Quality Insurance

A minimum amount of liability insurance includes coverage in the amounts of $15,000/$30,000/$5,000. These amounts cover a limited amount of personal injury and damage to other people’s property. Collision insurance gives further coverage that includes the repair of your own vehicle. Comprehensive covers non-collision damage that includes fire, theft, and events that do not happen in a collision. Uninsured motorist is another type of insurance that covers you when another person is at fault or they do not have insurance.

Expert Auto Insurance in Chester

Contact us at The Insurance Outfit of Chester, NJ to schedule an appointment with our knowledgeable agents. We can find you an affordable insurance policy so you can stay on the road with peace of mind knowing you are adequately covered. Give us a call today or use our online portal to get in touch with us.

How Often Should You Shop For New Auto Insurance?

Automobile insurance is a unique type of bill. It is one of the few bills which you incur that is required by law. Because auto insurance is required by law in most states, it is very important to shop around often to make sure you are always getting the best deal. At The Insurance Outfit, serving Chester, NJ, we don’t mind educating our clients on these important topics. Keep reading to learn how often you should shop around for the best deal on auto insurance. 


It is recommended that you begin comparing rates on auto insurance annually. Companies are always making new offers and promoting new deals. To stay on top of the best deals, you will need to check out what is available at least once a year. This is also a good idea because it gives you a chance to see how your insurance rates may change as you age and maintain a good driving record. 

After A Big Life Change

Life changes can greatly influence how much you pay for car insurance. Certain life events have a bigger impact than others. Getting married for instance can often earn you great auto insurance discounts. Buying a home is another big life change that can affect your auto insurance rates. 

As You Get Older

We don’t always love everything about getting older, but one silver lining to getting older is that car insurance rates go down to a certain point. Teen drivers experience the highest auto insurance rates, but those rates steadily go down as they age. By your mid-50s  you will see the best deals on car insurance. It is important to note that this is dependent on a good driving record as well. 

If you would like to learn more about auto insurance, please contact our friendly staff at The Insurance Outfit serving Chester, NJ. 

3 things to do to protect your car

Chester, NJ is not an exception to car theft. Unfortunately, many of us never think about car theft until it’s too late. Your car needs to be protected whether parked or on the move. And by protection, we mean from any form of damage. The Insurance Outfit can provide you with three major tips to keep your car safe not only from thieves but also from harsh weather and other elements.

1. Park intelligently

Park in well lit areas close to building entrances and near security cameras. If you have the choice of a parking garage, it is considered safer there than in an isolated garage. If you have to park around the roads, make sure it is around a security camera or personnel.

2. Purchase car insurance

This should probably be the first thing that rings in our minds when we talk about protection.  Auto insurance in New Jersey is a legal requirement. Therefore, when you purchase the policy, you do not just protect yourself but also follow an order to help protect others on the roads.

3. Take advantage of the security features of your car

Vehicles today come with modern security features that can help secure your vehicle from harm or theft. Some can automatically lock themselves every time you pull away. Others use lighting to scare thieves at night. Others come with tracking systems. If yours doesn’t come with one, you can always add. A tracking system will not prevent thieves from taking your car but it can help recover and locate it if stolen.

Taking steps to prevent your car from damage is better and easier than making claims when it’s too late. For all your insurance needs contact The Insurance Outfit in Chester, NJ today.