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

Get a free NJ insurance quote

Selecting the right insurance is important: you want the right coverage – at the right price – for the way you live and drive. As the nice New Jersey insurance company, we give you a couple of ways to get a quote — nice and easy.

Get a quote on the phone

Call 877.PAL.NICE for a free quote for your personal auto insurance, umbrella insurance, or flood insurance. 

Get a quote from an agent

Independent agents are available to help with a broad range of insurance needs. Just locate an agent, talk with them about your insurance needs, and select a payment plan! Umbrella and flood insurance might also be appropriate for your protection - remember to talk with your agent to evaluate the benefits.

  1. Call a Palisades NJ insurance agent
  2. Choose your NJ insurance coverage
  3. Select a payment plan
  4. Consider umbrella and flood insurance

1. Call a New Jersey auto insurance agent

An agent can provide quotes and recommendations on the right car insurance coverage for you. All of these agents offer New Jersey personal auto insurance; some also offer NJ commercial auto insurance. A Palisades agent will ask important questions about your family or business and your cars to determine the type of coverage that best meets your needs. For more benefits of working with an agent, click here.

Enter your zip code: 

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2. Choose your NJ insurance coverage

Palisades offers you more than just one plan for your personal and commercial auto insurance needs. 

For your personal insurance, you can choose from a variety of coverage options, and you may even qualify for many discounts. Palisades offers more service to fit your needs, such as accident forgiveness.

For your business or commercial auto insurance, there are a range of coverages, discounts, and options to suit your needs. The leading Palisades customer service and Door to Door Valet Claims Service are available for keep your car fleet moving.

The cost of a policy depends on many factors, such as:

    • Cars insured, including age, value, and safety features
    • Drivers and their driving histories, including claims and violation history
    • Available discounts, such as our safe driver, safe vehicle, homeowner’s, and claims-free

The cost of your NJ car insurance is also affected by different choices you make:

    • Type and amount of liability coverage, which pays for damage to other vehicles and injuries to other people.
    • Amount of personal injury protection coverage, which pays for your own medical coverage, as well as loss of income and other benefits when a covered driver and passengers are injured in an accident.
    • Amount of collision coverage, which pays for damage to or loss of your property.
    • Amount of comprehensive and collision deductibles, which is the sum you’re responsible for before insurance coverage pays to repair or replace your car. Depending on your coverage, not all auto accidents result in a deductible.

Choosing higher limits for bodily injury, property damage, and personal injury will provide you with greater protection, but it will also increase your premium. Selecting lower deductibles will increase your premium as well, because you’ll be responsible for less of the repair costs. 

With so many options to consider, it’s nice to have professional help. Your Palisades insurance agent can help you select the protection that’s right for you.

You can learn more about the coverages offered, the options available, and the impact your decisions may have for personal car insurance by clicking here, and for commercial car insurance by clicking here.

 

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3. Select a payment plan

Make payments any way you want: by check, with a credit card or debit card, on the telephone, or by automatic payments. Choose the billing and payment plan that’s most convenient for you:

Pay in full Pay the entire premium at the start – and get a discount.
  • 5% discount
  • no monthly bills
  • no finance charges or service fees
Electronic Funds Transfer (EFT) Also called automatic bill pay. With a small down payment, your remaining payments are withdrawn automatically from a checking or savings account.
  • no stamps, no mailing
  • no risk of late payment
  • no finance charges or service fees
Direct bill payment plans With a small down payment, receive bills directly and make payments by mail or online.
  • select 4 or 8 payments to fit your needs
  • you can make payments instantly online, with check, or with a credit card

Your Palisades agent will help you select the payment plan that’s best for you.

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4. Consider Umbrella

The life you've built is an investment worth protecting. Palisades Umbrella Insurance extends the liability coverage of your car and home insurance policies, and is available exclusively for Palisades Car Insurance customers. If you have assets such as a home, or are subject to high-risk activities such as sports, an umbrella policy can give you $1,000,000 to $5,000,000 extra protection and peace of mind for surprisingly affordable fees. Click here to learn more.

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