Meet Marco, a lifelong resident of Jersey City who just got a reminder that living in the Garden State comes with a "Garden State tax"—his new car insurance premium.
: His Personal Injury Protection (PIP) kicked in immediately, but he had to choose between a "Standard" policy (with more coverage) or a "Basic" policy (which might not cover as much if he were seriously injured).
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Determined not to be "gouged," Marco did some homework. He used resources from the NJ Department of Banking and Insurance to learn how to lower his costs by increasing his deductible. He also shopped around, finding that companies like Geico and Selective Insurance often offered the most competitive rates for his profile in April 2026.