NJM Auto Insurance Reviews: The Pros and Cons

NJM Auto Insurance Reviews- The Pros and Cons

Two of the first things to consider when purchasing a vehicle is NJM Auto Insurance reviews, as well as the type of insurance you will need. All states have minimum requirements, and you’ll want to choose a provider that offers affordable and simple solutions to meet your needs.

NJM Auto Insurance is an insurance provider that specializes in policies for drivers in New Jersey and Pennsylvania.

About NJM Auto Insurance

There are multiple types of insurance you can sign up for with NJM, including home, business, and auto insurance. This is common among most providers.

Compared to plenty of other insurance companies, this provider has relatively positive customer reviews. Also, they have almost 100 years worth of experience in the insurance industry.

Founded in 1913 as a workers’ compensation group, NJM began to add other types of insurance in 1921 including commercial and personal auto insurance.

Over the past 100 years, they have served many clients and assisted with affordable policies and an abundance of coverage options. You’ll also find that with a policy, it’s likely you’ll receive dividends on several different types of policies.

NJM Auto Insurance Coverage Options

As mentioned, there is an assortment of types of coverage you sign up for with NJM. This is one of the most notable traits of the provider, as most companies that serve less than six states are likely to have fewer policies to choose from.

Divided into “Basic” and “Standard” packages, their two main policies include:

  • Basic
  • Liability
  • Personal injury protection
  • Standard
  • Liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Collision
  • Comprehensive
  • Roadside assistance

Other Coverage Options

  • Property damage
  • Bodily injury

You’ll find that similar to any other insurance company, NJM offers packages that meet your state’s minimum requirements. It is highly recommended you opt for insurance above the required minimum, as it prevents you from paying out of pocket in an accident.

As costs are likely to be far beyond what you would imagine whether you are at-fault or not, you’ll want the most comprehensive package possible.

Benefits of NJM Auto Insurance Policies

There are several different benefits you’ll experience when you sign up for a policy with this insurance provider. Aside from their above-average rating in terms of customer service, they also give you numerous discounts to put to good use.

Some of the most notable advantages of choosing NJM include:


Depending on the financial strength of the company, policyholders may be applicable to receive dividends throughout the year. These are percentages of your premium that have been paid and will be transformed into credits towards your policy.

You will receive your dividends when you decide to renew your policy, and this has been a practice NJM has done since 1994.


Every driver has the right to search for an insurance company that will take the least from their bank accounts. One of the best ways to do this is to choose a provider that offers multiple discounts.

With NJM Auto Insurance, some of the best discounts you might be eligible for include:

  • Policy Bundling

If you have more than auto insurance with the company, such as homeowners insurance, you could be entitled to a discount on all of your policies.

  • Good Student

If you are able to maintain an average that is above an agreed grade, students will get a discount on their insurance premiums.

  • Family Discounts

The more drivers you have in your family (two or more) that opt to sign up for policies through NJM, the more it will help to lessen the costs of your premiums.

  • Defensive Driving

By participating in an approved defensive driving course in your state, you’ll be able to receive a discount on your insurance. This is because taking the course makes you less of a risk for the insurance company to take on. On average, you can save up to 5% on PIP, collision, and liability premiums.

  • Anti-Theft Devices

Ensuring you have anti-theft products installed is not only important for your peace of mind but also for your insurance. If you have surveillance equipment and alarm systems installed, your insurance will be lower.

  • Driver’s Training

If you are under 21 and have completed a minimum of 30 hours of in-class instruction as well as six hours of driving training, you can save on your premiums.

Online Management

When it comes to working with your policy, you’ll love being able to do so entirely online. With the online policy management portal, submitting claims, changing your policy, or reviewing your policy is much simpler.

Local Agents

If you’re looking for the best one-on-one engagement with an insurance provider, it’s often best to stick with local agents. Not only will they be more available to you, as there are fewer clients to work with, but they also have in-depth knowledge about local driving laws and requirements. The exceptional customer service from NJM is one of their largest advantages.

Fast Claims Processing

Another advantage of this insurance company is that they are said to process their claims incredibly fast. As they have a smaller list of clients compared to larger agencies, you can guarantee your claims will be handled professionally and efficiently.

Cons of NJM Auto Insurance Policies

Although there is plenty to appreciate from this insurance provider, there are also a few negative aspects to take under advisement. Prior to signing up for a policy with NJM, you’ll want to consider:

Limited Coverage

Compared to other specialty insurance providers, NJM has a substantially smaller reach, as they only work with clients in Pennsylvania and New Jersey.

Missing Coverage Options

Other insurance companies have the tendency to offer a multitude of optional coverage types, including pet injury and mechanical breakdown. Currently, NJM does not offer coverage in those two areas.

Before signing up for a specific policy, you’ll want to get a quote to determine if they have the type of insurance you’re looking for.

NJM Auto Insurance Reviews: Final Thoughts

All in all, NJM Auto Insurance reviews are highly impressive, with plenty of customers appreciating their attention to detail, affordable prices, and fast claims processing.

Although they currently only offer services in New Jersey and Pennsylvania, they are highly recommended for residents looking for reliable insurance. In addition, they have a lot of coverage options for a smaller-sized insurance provider.

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