Thoughts on Purchasing Auto Insurance in New Jersey: Bob Ciasulli

I am Bob Ciasulli and I own numerous car dealerships in northern New Jersey. It is only natural that you will want to get the best insurance protection you can while not spending more than you have to.

If you live in New Jersey, as I do, you know that owning and maintaining a car can be very expensive, and insurance is a big part of that yearly outlay of cash.

One important thing I have come to realize is that getting the minimum insurance coverage, while cheaper in the short run, can cost you a bundle if you are ever in a serious accident. If you are like me, before you put money down on your next insurance premium, you will want to understand exactly what you are getting.

Here is what New Jersey state law requires you purchase often called 15/30/5 coverage with 15/30 UM limits.

New Jersey drivers can sue for any mishappening related to an automobile, and because of that, you need to purchase enough insurance to pay for medical expenses for you and your passengers, and this is probably going to be much greater than the minimum amount.

You also need to make sure you have enough insurance to protect against auto injuries caused by an uninsured driver.

A Basic Policy Includes:

• Bodily Injury Liability: $15,000/$30,000 Limit

• Property Damage Liability: $5,000 Limit
• Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
• Uninsured Motorist Property Damage: $5,000 Limit
• Personal Injury Protection (PIP): $15,000 Limit
• $250,000 PIP limit for permanent or significant injury.
• Property Damage Liability: $5,000 Limit
• Personal Injury Protection: $15,000 Limit
• Standard Policy

So how much insurance should you buy beyond your state's minimum?

Make sure you purchase enough liability coverage to protect your assets. Talk frankly with your insurance agent to make sure you have enough health benefits to protect your assets in the event of an accident. It is wise to increase the bodily injury coverage and the uninsured and underinsured motorist coverage too.

Some experts recommend purchasing liability limits for $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident. They also recommend at least $25,000 property damage liability because most cars on the road today are worth more than $20,000. Whatever you decide to purchase, it is wise to read over your insurance policy and make sure you understand exactly what it will cover.

I know the last thing we want to think about is what will happen when and if we are ever in an auto accident, but understanding your insurance coverage can save you a bundle!

Bio: Bob Ciasulli owns and operates several car dealerships in northern New Jersey, and is very interested in any information that can save New Jersey drivers money on their car, including car insurance.

Five Important Tips of Bob Ciasulli to Prepare Your Car for Winter!

My self Bob Ciasulli and I own numerous car dealerships in northern New Jersey. I’ve put together a helpful list of what I believe are the top five crucial provision you can make to your vehicle earlier than the winter months set in.

If you’re preparing on driving to see your loved ones or family members this season, take two minute to read the following.These safety measures will help you and your families stay safe and keep your vehicle in good condition this winter.

I hope you will enjoy these tips and take measures to winterize your car, please keep in mind to stay safe on the road!

• Right kind of oil change. If your vehicle is approaching or due for the important 30,000-mile full service, don’t put it off! Even if nothing needs to be fixed, they’ll change your oil so your engine will stay well lubricated.
• Belts and hoses examined. Cold weather can create problems for belts and hoses—be sure that they get checked for wear and tear — even if you’re driving a newer car.
• Tire pressure checked! Tires must be properly inflated to ensure the best possible traction for when you’re driving in wet, snowy, or icy conditions.
• Able to see the road? Find out last time you replaced your windshield wipers. They’re usually effective for a year, so be sure you get new ones if they aren’t.
• Car battery? Ideally you don’t want to put yourself in a situation where you have to jump-start your car in a blizzard. To avoid that scenario, ensure that your battery’s posts and connections are corrosion-free and if your battery is more than three years old, have a repair shop test its ability to hold a charge.

Bio: These tips are based on what he’s experienced on the road. He encourages you to drive safely and protect yourself and your fellow drivers.Bob Ciasulli owns and operates several car dealerships in northern New Jersey and is very interested in automotive maintenance and safe driving habits.

Top Five Worst Driving Habits : Bob Ciasulli

Bob Ciasulli owns several car dealerships in northern New Jersey. He has put collectively a caring list of what I believe are the top five worst driving habits. You’ve probably all witnessed these negligible driving mistakes, but I hope you find these helpful. Remember, many of these bad habits can be prevented by practicing defensive driving. I hope you benefit from this list, and please remember to stay secure on the road.

• Speeding. A car crash at 80 miles per hour is twice as bad as one at 55 miles per hour. Driving at high speeds can drastically reduce reaction time—that is, you may not have enough time to prevent an accident from happening, even if you see it coming. Remember to always observe speed limits and factor in your driving conditions, especially rain, traffic, and snow by slowing down, you create a safer environment for the rest of us and arrive at your destination in one piece.

• Drinking and driving. Drinking and driving puts you and all other drivers in your path at risk. Just don’t do it.Unless you have a death wish, don’t drink and drive. Consuming alcohol before driving a vehicle is suicidal behavior. Always make sure that you have a designated driver or place to stay for the night if you plan on drinking.

• Not wearing your seat belt. Choosing not to wear a seat belt is highly dangerous. Think of it this way: a car crash at the low speed of 30 miles per hour (without a seat belt) is similar to falling off of a three-story building. Protect yourself in all major (minor) accidents. Take the two extra seconds before you start your car and buckle up—you’ll be thankful you did.

• Tailgating. You are not driving on a NASCAR racetrack—you are driving on the highway. You are not a NASCAR driver. Everybody’s got to get somewhere fast and we know you do too, but put some space between your car and other drivers. You never know when the car in front of you is going to slam on their breaks. Maintain a safe driving distance and prevent an accident.

• Not paying attention. Check your mirrors for blind spots look out for pot holes, stalled cars, objects in the road, or any other obstacles. Don’t apply makeup, shave your legs, text, fiddle with your iPod, or talk on the phone while driving. Put your safety first. Look at the traffic around you. Be observant and aware of your surroundings and you’ll easily avoid any accidents that come your way.

Bio: Bob Ciasulli encourages you to drive safely and protect yourself and your fellow drivers. Bob Ciasulli owns and operates several car dealerships in northern New Jersey and is very interested in automotive maintenance and safe driving habits. These tips are based on what he’s experienced on the road.