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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:
- $15,000 of Personal Injury Protection
- $5,000 Property Damage liability
- This policy is the typical split-limit liability policy and includes the following minimum coverages:
- Bodily Injury liability: $15,000 per person, $30,000 per accident
- Property Damage liability: $5,000
- Personal Injury Protection: $15,000 per person or accident
Public Transportation In Paterson
- The city is served by the NJ Transit Main Line commuter rail service, with the station located in Downtown Paterson. The Passaic-Bergen Rail Line plans to have five stops in Paterson.
- Bus service to locations in Passaic, Bergen, Essex and Hudson counties is provided by NJ Transit, making the city a regional transit hub. The Broadway Bus Terminal, also downtown, is the terminus for many NJ Transit bus lines.
- Private, independent jitney buses (guaguas or dollar vans) connect Paterson with neighboring communities along Route 4, and provide transportation to and from the Port Authority Bus Terminal and George Washington Bridge Bus Station in Manhattan. These buses run at high frequency but do not have formal, published schedules