Nice. Call 877.PAL.NICE for a free quote.

Comparing NJ auto insurance prices

Call 877.PAL.NICE for a free quote.

How to compare auto insurance quotes

When thinking about auto insurance quotes, determine your needs:

  1. What are the liability, collision coverage, and the comprehensive & collision deductibles you need? By law, we can’t give you advice on our website, but you can talk with an agent by phone or in person about what’s reasonable for you.
  2. Who are the drivers you intend to insure and what are their driving histories – including prior accidents? To determine a rate for personal auto insurance, all New Jersey auto insurance companies examine actual claims histories and driving records for at least the preceding three years. For commercial auto insurance, Palisades also considers the vehicle drivers' history, giving you better rates for safe drivers.
  3. What are the ages, miles driven, value and safety features of all of your vehicles?
  4. What discounts are you eligible for? Personal auto insurance has discounts such as safe driver, homeowner, or others. Commercial auto insurance has discounts for loyalty with your existing agent, longevity of your prior policy, and others.

Palisades does not use age, race, education, or occupation when determining personal auto insurance rates, while some other companies do use factors such as age, education, or occupation to determine their insurance rates. When determining your commercial auto insurance rate, Palisades considers factors including your business, your vehicles, and the vehicle drivers to give you better rates for safe drivers.

Then, when doing an auto insurance comparison, consider:

Factor… Our nice approach…
Did you like working with the company and its agents?
  • The Palisades guiding principal is to be the nice New Jersey auto insurance company that gives you more. That includes phones answered by live people, door to door valet service, communicating in plain English – all at rates that make you smile.
How high is their customer satisfaction?
  • Over 97% of the Palisades customers are very satisfied with our claims services*
How good is their claims service?
When you have a problem, will they be there for you?
  • Claims services available 24/7
  • History of innovation – including first company to deliver checks on the spot. 
  • Fast payment - Crashbuster vans bring our appraisers directly to your damaged vehicle where they assess the damage in person. In most cases they issue a check on the spot.
  • Our True Service Pledge commits us to your satisfaction, backed up with charitable contributions and our president’s phone number.
Are there additional benefits to working with the company?
  • Membership in the Savings Pass program for 5-20% discounts on many auto-related services and purchases
  • Claims forgiveness for safe NJ drivers on a personal insurance policy

*From the Palisades claims satisfaction survey, January 1, 2009 - December 31, 2009


To learn more just call 877.PAL.NICE (877.725.6423).