Since 1913, New Jersey Manufacturers Insurance Company sells insurance. NJM Auto Insurance is the property and casualty mutual insurance company that provides coverage in New Jersey as well as Pennsylvania. In 2018, the organization moved away from being a membership only for policyholders. It now offers moderate premiums and superior claims handling to the general public.
NJM Car Insurance
NJM Auto provides the usual auto coverage options. The coverage you choose and factors such as driving record and ZIP code will affect your NJM Auto quote.
Insurance
- 24/7 Roadside Assistance: If you need to be towed or run out of gas, get roadside assistance for a flat fee.
- No-fault coverage: Your policy will cover your medical expenses, regardless of who was at fault for an accident.
- Collision: Insurance for damage caused by your vehicle striking another vehicle or object.
- Liability: Insurance that covers damages that you cause.
- Personal injury coverage: This covers the medical expenses and lost wages of an individual who is injured in a car accident.
Auto insurance for NJM: What is the cost?
NJM auto insurance costs an average $363 per year for minimum coverage, and $1,226 per year for full coverage. Your personal characteristics, such as your zip code and geographic location, credit history, gender, marital status and driving record, will all impact the amount of your annual premium. New Jersey Manufacturers offers auto insurance to residents of Connecticut, New Jersey, Pennsylvania.
| Minimum coverage at an average annual cost | Average annual cost for full coverage |
|---|---|
| $363 | $1,226 |
Discounts:
New Jersey Manufacturers auto insurance provides a variety of discounts that can be applied to reduce your car insurance premiums. You can combine and match discounts offered to drivers. A local agent can help you determine which discounts are available to your situation by talking with you about your plans and circumstances. Some of these discounts are:
- Bundle of Homeowners Insurance: Get a discount when you insure a car, a home or apartment with NJM.
- Multi-car insurance: Receive a discount when you insure multiple vehicles under the same policy.
- Vehicle safety equipment: You could get a discount on your NJM Auto Insurance if you have antilock brakes, anti-theft devices, vehicle recovery devices, or air bags.
- New car: The model year must be less than two years old.
- Comprehensive coverage: This provides protection against both collisions and non-collision events.
- Paid in full: You can save money by opting for one yearly premium payment and not monthly payments.
- Electronic payment: Sign up for an automatic payment plan and save.
- Driver training: This discount applies to drivers 21 years old and under who receive classroom and hands-on instruction.
- Good student: This award is for students in high school and college who maintain a certain grade point average.
- Only NJ residents can be defensive drivers if they have completed a driving course.
- Mature driver improvement: This program is for PA drivers 55 years old and older who have completed a driving course.
NJM Home Insurance
New Jersey Manufacturers Insurance has expanded the availability of its insurance to all customers, removing any restrictions that had made it only available to select groups. NJM now offers umbrella, home, car, renters, and home insurance to everyone in New Jersey and Pennsylvania. NJM provides a range of home insurance options, including standard and liability coverages, personal insurance, and protection to your home.
Insurance
NJM is one of the most affordable home insurance options in New Jersey or Pennsylvania. You’ll find a policy that suits your needs and budget from the extensive range of coverage options. These coverage options are featured:
- Basic coverage: This covers your home, any other structures, personal property and damage to your house, as well as personal liability and medical payments.
- Insurance coverage in case of fire: This covers the cost of replacing or repairing your personal property.
- Coverage for a friend who was hurt while visiting: NJM will cover the medical bills up until your policy limit.
- Insurance for neighbor’s property damage: This covers up to your coverage limits.
- Relocation and temporary housing coverage: This is for those who need to move until their home can be repaired.
- Additional fraud protection This protects you if your credit card is stolen, your check is forged or money counterfeiting occurs.
- Identity fraud coverage: This covers up to $15,000 in expenses resulting from identity theft.
- Insurance coverage in the event an earthquake occurs: This covers your property and helps you to repair any damage.
- Water backup coverage This covers up to $5,000 for water overflows.
- Additional loss assessment: This can be up to $5,000 depending on the policy.
Get Discounts
NJM offers homeowners insurance that is affordable. Additional discounts can help you lower your premiums and save even more. Some discounts are available to all policyholders. However, some discounts only apply to certain states. NJM offers discounts such as:
- You can combine your auto and home insurance to get multi-policy
- Alarm system, smoke detector and burglar alarm
- Seniors 65 and older
- Nonsmokers
- New construction or a new home
- In limited states, electronic payments and paperless transactions
- All windows have impact-resistant glass (in limited states).
Reasons NJM is a good choice
New Jersey Manufacturers Insurance not only offers the best homeowners insurance in New Jersey and Pennsylvania but also offers many coverage options and discounts. You can customize your coverage to meet your budget and goals. Discounts can also be offered to help reduce your costs. Additional protection can be added by purchasing add-ons. J.D. recognized NJM for its exceptional customer service. For a high customer satisfaction rating, Power Ratings 2019 was awarded to NJM.
NJM’s disadvantages include the fact that not all states offer NJM insurance policies. NJM does not provide an app that allows policyholders to manage their insurance policies and claim easily.
NJM is an excellent insurance company to consider if you live in New Jersey, Connecticut, or Pennsylvania and have a car and a house. Bundling policies can also provide additional savings.
NJM Insurance reviews, ratings, customer satisfaction, and complaints
NJM Auto was the first J.D. In 2018, NJM Auto was the first J.D. This program recognizes auto insurance companies that have provided outstanding claims service, including the NJM Auto Claims process. The rigorous inspection includes the analysis of 90 claims and customer satisfaction. They must also be in the 80th percentile of the J.D. Powers Claims Satisfaction Index.
NJM Auto and NJM Home customers did not file any complaints to the Better Business Bureau, considering that nearly $2 billion was written in direct premiums as of 2018. NJM Auto received an A- rating after it closed 33 complaints between July 2016 and July 2018. The National Association of Insurance Commissioners has published financial statements that show ample assets to cover property and casualty liability. Profits generate dividends that are returned to policyholders. AM Best awarded NJM Manufacturers an A+ credit score due to its strong balance sheet.
After suffering a loss, NJM Auto customer support is simple for customers. NJM Auto’s claims process efficiency allows for company profits to be maintained, which are returned to policyholders as dividends.
Customers from New Jersey and Pennsylvania will find it easy to purchase auto or home insurance online. They also appreciate the option for electronic payments and online quotes. Direct-to-consumer pricing allows the insurer to establish relationships with policyholders.
NJM offers additional policies
NJM Auto provides other types of insurance coverage, depending on the state where the policyholder lives:
- Homeowners insurance (NJ and PA)
- Recreational vehicles (NJ and PA)
- Classic cars (NJ and PA)
- Motorbikes (NJ, PA).
- Personal watercraft and boats (NJ, PA).
- Umbrella insurance (NJ, PA)
- Commercial auto (NJ. NY. PA)
- Commercial general liability (NJ. NY. PA)
- Workers’ compensation (CT. DE. MD. NJ. NY. PA).
Questions frequently asked
What information do I need in order to receive a quote from NJM Auto Insurance
NJM Auto will require you to have a valid email address, driver’s license number, driving record information, and the names of all drivers who are insured under the policy.
How can I file a NJM Auto Insurance claim
You can file online through the claims portal, or call a customer care agent at any time, 24 hours a days, seven days a semaine.
