Paterson is known as the “Silk City” for its dominant role in silk production in the last half of the 19th century. The city has since evolved into a major destination for Hispanic emigrants as well as for immigrants from the Arab and Muslim world. It has the second-largest Muslim population in the United States. Paterson, NJ has the second-highest population density in the nation (after NYC). This means a lot of cars on the road, and an increased risk of traffic accident. It also means you should make sure your car insurance policy is up to date and has all the coverage you need. Take the time to study all the options for cheap car insurance Paterson can offer.
Cheap Car Insurance Paterson Requirements
If you are caught driving without insurance you will face a fine between $300 and $1,000, a period of community services, and loss of your driver’s license for one year. New Jersey hopes that these stiff penalties will help lower the rate of uninsured drivers, and ultimately help consumers by lowering auto insurance rates.
The state mandates that a “Basic Policy” be available to drivers who are facing financial hardship (usually reserved for young drivers), and includes:
This policy is the typical split-limit liability policy and includes the following minimum coverages: