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Groups worth knowing if you ride in New Jersey

We’re a small project comparing bike-insurance prices for NJ riders. These organizations are listed because their work is useful to you — none of them endorse us, and we take nothing for sending you their way.

The one thing to do before you need insurance

Photograph your bike’s serial number (usually stamped under the bottom bracket, where the cranks meet the frame), keep the purchase receipt, and register it with a free national registry. Every insurer that sells theft cover will ask you to prove the bike was yours and what it was worth. Riders who assemble that after a theft are the ones who wait.

If you’re working out what coverage you need in the first place, start with the guides — particularly what your homeowners or renters policy already covers, since for a lot of riders that answer changes whether you need a policy at all.