Example 1-A

Driver: 18-year-old, youthful male, unmarried

• • Principal Operator
  • Driver Training, no good student discount
  • No accidents within the past 3 years
  • No motor vehicle violations within the past 3 years
  • Pleasure use (12,000 annual miles)
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability only policy:
    • Bodily Injury limits of $15,000/$30,000
    • Property Damage liability $5,000 (or combined single limit of $35,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $15,000/$30,000
    • Property Damage liability $5,000 (or Combined Single Limit of $35,000)
  • 2003 Buick Century Custom 4 door sedan
  • ISO rating symbol 8

Example 1-B

Driver: Use same criteria as 1-A, except one at-fault accident

Example 2-A

Driver: Married couple, both between ages of 30 and 49 with newly licensed 17-year-old daughter in household

• • No driver training, no good student discount
  • No accidents within the past 3 years
  • No motor vehicle violations within the past 3 years
  • Pleasure use (12,000 annual miles)
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • 2003 Buick Century Custom 4 door sedan
  • ISO rating symbol 8
  • $750 deductibles for Comprehensive and Collision

Example 2-B

Driver: Use same criteria as 2-A, except husband has one at-fault accident

Example 3-A

Driver: Married couple, both between ages of 30 and 49

• • 2 vehicles on policy and no inexperienced operator in household
  • No accidents with the past 3 years
  • No motor vehicle violations within the past 3 years
  • Continuous insurance with same company for 10 years
  • Car #1: Driven by husband to work 10 or more miles, 20,000 annual miles
  • Car #2: Driven by wife to work less than 3 miles, 12,000 annual miles
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • Car #1: 2003 Buick Century Custom 4 door sedan, ISO rating symbol 8
  • Car #2: 1999 Chevrolet Astro Van 4 x 2, ISO rating symbol 6
  • $750 deductible for Comprehensive only

Example 3-B

Driver: Use same criteria as 3-A, except husband has a four-point moving violation and two

comprehensive claims over $750 each; wife has one at-fault accident

Example 3-C

Driver: Use same criteria as 3-A, except:

•  

  • Have no at-fault or not at-fault accidents within the past 5 years
  • No motor vehicle violations within the past 5 years
  • No Schedule 1 offense (refer to N.J.A.C. 11:3-34.5) within 5 years
  • Has no comprehensive claims, including theft, within 5 years
  • One operator has at least 20 years of driving experience
  • Has companion policy

     

Example 4-A

Driver: Married couple, both between the ages of 65 and 69

• • No accidents within the past 3 years
  • No motor vehicle violations within the past 3 years
  • Pleasure use (12,000 annual miles)
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • 2003 Buick Century Custom 4 door sedan
  • ISO rating symbol 8
  • $750 deductibles for Comprehensive and Collision

Example 4-B

Driver: Use same criteria as 4-A, except one at-fault accident

Example 5-A

Driver: 26-year-old female, unmarried

• • No accidents within the past 3 years
  • No motor vehicle violations with the past 3 years
  • Please use (12,000 annual miles)
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $100,000/$300,000
    • Property Damage liability $25,000 (or combined single limit of $300,000)
  • 2002 Saturn Sedan L300
  • ISO rating symbol 10
  • $750 deductibles for comprehensive and collision

Example 5-B

Driver: Use same criteria as 5-A, except one at-fault accident

Example 5-C

Driver: Use same criteria as 5-A except:

• • No at-fault or not-at-fault accidents within the past 5 years
  • No motor vehicle violations within the past 5 years
  • No Schedule 1 offenses (refer to N.J.A.C. 11:3-34.5) within 5 years
  • Has no comprehensive claims, including theft, within 5 years

Example 6-A

Driver: 30-year-old male, single car policy

• • No motor vehicle points within 3 years
  • No at-fault or not-at-fault accidents within the past 3 years
  • Drive to work less than 3 miles; 10,000 annual miles
  • Verbal Threshold
  • $250,000 Standard Personal Injury Protection (PIP), $250 deductible
  • With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
  • Without any defensive driving course discount
  • Liability:
    • Bodily Injury limits of $15,000/$30,000
    • Property Damage liability $5,000 (or combined single limit of $35,000)
  • Uninsured Motorist Coverage:
    • Bodily Injury limits of $15,000/$30,000
    • Property Damage liability $5,000 (or combined single limit of $35,000)
  • 2003 Buick Century Custom 4 door sedan
  • ISO rating symbol 8
  • $750 deductibles for Comprehensive and Collision

Example 6-B

Driver: Use same criteria as 6-A except:

• • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000
  • No motor vehicle points within 3 years
  • No at-fault or not-at-fault accidents within the past 3 years

Example 7

Driver: 30-year-old male, single car policy

• • • No motor vehicle points within the past 3 years
    • No at-fault or not-at-fault accidents with the past 3 years
    • Drive to work less than 3 miles; 10,000 annual miles
    • Standard Tier (1.00)
    • With active seatbelt and dual airbags (front only)
    • Without any defensive driving course discount
    • 1 year with company
    • BASIC POLICY
      • $5,000 Property Damage
      • $15,000 Personal Injury Protection (PIP)
      • No physical damage coverage
      • No optional Bodily Injury coverage

NJ Car Insurance Rating Examples