New Jersey Manufacturers Insurance is an insurance company, although the name suggest something different. This insurance company is quite strange: they pay their insurance agents fixed salaries. This is very unusual for the insurance field, and especially for auto insurance, where employees get paid according to their personal performance, with commissions from the sales they bring in for the company.
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Either you are looking to get auto insurance in PA or in any other state, you need to know that each state will oblige car owners to acquire a minimum amount of bodily injury and property damage liability insurance in order to comply with the state auto insurance laws. All states have laws which cover the financial aspect of an car accidents, so in case it happens, the driver (actually the car owner) must have an automobile liability insurance, in order to cover the legal minimum. As a general recommendation, a car owner should get $100,000 of bodily injury protection per person and $300,000 per accident. Most state auto insurance laws state lower limits, but the rest of the money will be taken off your own pockets in case the accident happens, as you won’t have them covered by insurance.
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We all need auto insurance. PA is one of the states where auto insurance comes with lots of options and of choice. The yearly auto insurance premium in PA was about $900 in year 2003, just a little lower than the national average. Speaking of car insurnace, it is normal that it is a must, with all accidents happening every day on the streets, and not only in PA, but across the whole country, and even across all countries where cars are available.
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