NJM
NJM Insurance Group, short for New Jersey Manufacturers, is a highly-rated insurance provider known for its excellent customer service and competitive rates. NJM offers a variety of coverage options and is particularly recognized for its dividends program, which often returns a portion of premiums to policyholders. It's a top choice for drivers in the regions where it's available.
Product Info
Coverage
Offers comprehensive, collision, liability, and uninsured/underinsured motorist coverage, among others.
Dividends
Known for its dividends program, which may return a portion of premiums to policyholders.
Discounts
Provides various discounts, including multi-car, safe driver, and anti-theft device discounts.
Customer Service
Renowned for excellent customer service and quick claims processing.
Regional Focus
Primarily serves drivers in New Jersey, Pennsylvania, Connecticut, and Ohio.
PROS
- 1. Competitive Rates: Known for offering competitive premium rates.
- 2. Excellent Customer Service: Highly rated for customer service and claims satisfaction.
- 3. Dividends Program: Unique program that may return a portion of premiums to policyholders.
- 4. Quick Claims Processing: Known for its efficient and fair claims process.
CONS
- 1. Limited Availability: NJM insurance is only available in a few states.
- 2. No Online Policy Modification: Changes to your policy must be made over the phone or through an agent.
- 3. Fewer Digital Tools: Fewer online tools and resources compared to other insurers.
- 4. No Rideshare Coverage: Does not offer coverage for rideshare drivers.
Q&A
A: The dividends program at NJM may return a portion of premiums to policyholders.
A: NJM offers various discounts, including for safe driving, having multiple cars, and installing anti-theft devices.
A: You can file a claim with NJM online, over the phone, or through the NJM app.
