Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
NJM Insurance has been in business since 1913, offering their service only to members of certain groups. They dropped their restrictions only in 2018, but are already known for excellent customer service and variety of non-standard, but practical policies on auto, homeowners, renters and umbrella insurance. NJM sells policies directly to customers by phone and online rather than through agents, and offers different discounts on other property insured through their organization. Commitment to being a better driver and other safety features can save you money as well. It’s not the cheapest option if you don't qualify for any deals, but it is for sure a company to trust.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by New Jersey Manufacturers
|Available Option||What it means|
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Antique or Collector Car Insurance
Special insurance for antique and collectors cars.
No Fault Coverage
Insurance that pays no matter who was responsible for the incident causing the claim.
Work Loss Coverage
Insurance that covers some of the lost wages an insured would have as a result of a car accident.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe New Jersey Manufacturers has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
up to 25%
While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.
up to 5%
Most often only applies to older drivers who take a certified defensive driving course.
How does New Jersey Manufacturers compare to other insurance companies? Click the following links below to compare New Jersey Manufacturers to other top insurance companies.