As a New Jersey driver, you have choices when buying auto insurance. Each choice you make affects the coverage you receive and the amount you pay.

The Planner is a tool to help you balance how much you pay with the coverage you receive. By using the Planner you will be able to ask your agent or insurance representative more specific questions about what type of coverage is best for you and your family.

Complete the questions on the Planner. When you are finished, print out your choices, and use the selection sheet when talking to your company or agent. If you already have auto insurance, use the Planner to help decide whether you want to change your auto options. Remember you have the right to change the amount of coverage you have, or the size of your deductibles, at any time. You do not have to switch insurance companies or wait until your policy is about to expire. This tool, in conjunction with your driving experience, will determine your rate.

The program compares the choices you make to the average policy selected by a majority of New Jersey drivers. The calculated level of savings produced at the end of the program is based on the cost of the options you selected as compared with the cost associated with the typical policy.