NJM Insurance Car Insurance Review (2025)

When it comes to car insurance, there are many companies to choose from, each with its own set of advantages and disadvantages. Finding affordable car insurance coverage can take some shopping around, which is why it’s important to look into different companies. NJM Insurance is a company that has been around for over 100 years, offering a range of auto insurance products and services to drivers in the states of New Jersey and Pennsylvania.

In this review, we will provide a detailed review of NJM Insurance, highlighting its history and mission, the main products and services it offers, the cost of those services, and the states where they are available. Additionally, we will discuss the different types of discounts available to customers and how to qualify for them. Lastly, we will provide a summary of customer reviews of the company.

NJM Insurance History and Mission

NJM Insurance was founded in 1913 as the New Jersey Manufacturers Casualty Insurance Company, with a mission to provide affordable insurance to workers in the state’s manufacturing industry. Today, NJM is still a mutual company, which means that policyholders are also the company’s owners. This unique structure allows NJM to focus on providing affordable rates and quality coverage to its policyholders.

The company has since expanded its offerings to include a range of insurance products, including auto, homeowners, and workers’ compensation insurance. NJM is licensed to sell insurance in the states of New Jersey and Pennsylvania.

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What car insurance is offered by NJM Insurance?

NJM Insurance offers a range of products and services to meet the needs of its policyholders. These include:

• Liability coverage: This is the most basic type of car insurance required by law. It covers damages to other people’s property and injuries to other people if you are at fault in an accident.
• Collision coverage: This type of insurance covers damages to your own vehicle if you are in an accident.
• Comprehensive coverage: This type of insurance covers damages to your vehicle from non-collision events, such as theft, vandalism, or weather-related damage.
• Personal injury protection: Personal injury protection type of insurance covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.

NJM Insurance also offers additional coverage options such as roadside assistance, rental car coverage, and gap insurance. The cost of NJM’s services varies depending on the type and amount of coverage you need. However, NJM’s rates are generally competitive with other insurance providers in the industry.

Discounts Available to NJM Car Insurance Policyholders

NJM Insurance offers a variety of discounts to help policyholders save money on their premiums. Some of the most common discounts include:

• Multi-car discount: If you insure more than one car with NJM, you can save money on your premiums.
• Safe driver discount: If you have a clean driving record and have completed a defensive driving course, you may be eligible for a discount on your premiums.
• Homeowners discount: If you own a home and insure it with NJM, you may be eligible for a discount on your car insurance premiums.
• Good student discount: If you are a student with good grades, you may be eligible for a discount on your premiums.

Some discounts have requirements that you’ll need to maintain in order to qualify. For example, in order to receive a good student discount for car insurance you’ll need to maintain a certain GPA.

Customer Reviews for NJM Car Insurance

NJM Insurance has a reputation for providing excellent customer service, and this is reflected in the reviews that the company receives from its policyholders. According to the NAIC survey mentioned earlier, NJM has a 97% customer satisfaction rate. Additionally, the company has an A+ rating from the Better Business Bureau.

Many NJM Insurance customers have praised the company for its fast and efficient claims-handling process. Being able to file a car insurance claim easily and without hassle appeals to many drivers. Policyholders have reported that NJM makes the claims process easy and hassle-free and that the company is quick to respond to claims and resolve issues.

Customers have also commented on NJM’s helpful and knowledgeable customer service representatives. Many policyholders have reported that NJM’s representatives are friendly, patient, and willing to go above and beyond to help customers with their insurance needs.

In terms of complaints, some NJM Insurance customers have reported that the company’s rates can be higher than other insurance providers. However, many policyholders feel that the quality of NJM’s services justifies the cost.

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NJM Car Insurance Summary

NJM Car Insurance is a reputable and reliable provider of auto insurance coverage. The company has a long history of providing high-quality services to policyholders, and its focus on customer satisfaction is evident in its high customer satisfaction ratings.

Overall, NJM Car Insurance is a great choice for drivers in New Jersey and Pennsylvania who are looking for reliable, high-quality auto insurance coverage.

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