There is an insurance Act that was recently passed in the state of New Jersey, called the Automobile Insurance Cost Reduction Act, which gives New Jersey car owners the ability to purchase basic auto insurance policies in NJ, for cheaper than all of the other available car insurance policies in the state. The Automobile Insurance Cost Reduction Act is useful in that it allows all drivers to obtain inexpensive auto ins. in NJ, because the policy that is offered is significantly less expensive than what you will pay for a standard automobile insurance policy. Remember that the basic auto insurance policy doesn’t contain uninsured motorist, or comprehensive insurance. Also, keep in mind while shopping for insurance is that there are providers who will offer specials and rates if you ask for them. While you are weighing all of your options and considering all of your choices, ask the local agencies that you are considering for multiple auto insurance quotes online.