Get Njm Auto Insurance: A Step-By-Step Guide

NJM Auto Insurance is available to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. The company offers a range of insurance products, including auto, homeowners, condo, renters, and personal umbrella insurance. NJM is known for its superior customer and claims experience, having been certified by J.D. Power for providing an exceptional Auto Claims Experience for six consecutive years. When considering NJM auto insurance, it is important to research the different types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical coverage, to ensure you have sufficient protection. Additionally, understanding factors like coverage, limits, deductibles, and discounts can help you make an informed decision about your auto insurance policy.

Getting a quote

To get a quote, you will need to provide some basic information, including:

• Driver information, including all licensed drivers without auto insurance.
• Driver's license number.
• Vehicle Identification Number (VIN).
• Estimated annual mileage.
• Address where the vehicle will be garaged.
• Names and birthdates of other household members, including non-drivers.

You can also include your significant other in your quote if they live with you and drive cars registered to you. However, they will only be insured while operating a car listed on your NJM declarations page, and coverage limitations will apply.

Additionally, if you have an anti-theft system in your vehicle, you can benefit from a discount. The type of anti-theft device will be listed on the window sticker if it was factory installed or in the owner's manual. Devices like "The Club" or similar devices also qualify for this discount.

NJM also offers various discounts that can be included in your quote. For instance, if you have multiple vehicles in your household, a discount will be applied to each car insured under the same policy. If you are a high school or college student with good grades (honor roll, Dean's List, B average, or 3.0 GPA), you may also qualify for a discount.

Overall, when getting a quote from NJM, it is important to consider your coverage needs, the limits of your policy, and any potential discounts you may be eligible for. By providing the necessary information and considering your coverage options, you can obtain a personalized quote that suits your specific needs.

Discounts

NJM offers a range of discounts to help lower your insurance premium. Here are some of the ways you can save on your auto insurance:

Defensive Driving Discount (New Jersey Only)

Complete a classroom or online course approved by the New Jersey Motor Vehicle Commission (MVC) to receive a discount on your liability, PIP, and collision premiums for up to three years. The course must provide at least six hours of instruction, and only one defensive driving discount can be applied per vehicle.

Driver Training Discount (CT, MD, NJ, and PA Only)

Drivers under 21 years of age who complete 30 hours of classroom instruction and six hours of behind-the-wheel training, or three hours of behind-the-wheel training and 12 hours in an approved driving simulator, may qualify for a discount.

Good Student Discount

High school or college students who have achieved academic excellence (made the honor roll or Dean's List, or have a B average or 3.0 GPA) may be eligible for a discount. Documentation is required to prove academic achievement.

Home and Auto Bundle

You can save by bundling your NJM Auto Insurance with your Homeowners, Condo, or Renters Insurance.

Multi-Vehicle Discount

If you have two or more vehicles insured under the same policy, a discount will be applied to each car.

Payment Discounts

Paying your policy premium in full, rather than in monthly installments, can result in a discount. Additionally, enrolling in the automatic payment plan will also provide a reduction in your premium.

Paperless Discount

Opting for paperless delivery of documents by receiving them online will make you eligible for a discount.

Vehicle Safety Equipment Discount

You may be eligible for a discount if your vehicle is equipped with certain safety features, such as an anti-theft or vehicle recovery device, anti-lock brakes, or passive restraints.

Mature Driver Discount (CT, MD, OH, and PA Only)

Drivers over a certain age who have taken a qualified course can receive a discount. The specific age requirements and course criteria vary by state.

Coverage options

When shopping for car insurance, it's essential to strike a balance between sufficient coverage and an affordable premium. It's also important to research which insurers will provide a superior customer and claims experience. The basic components of an auto insurance policy include:

Liability

Liability coverage pays for damage you cause to others and any resulting litigation. It covers the cost of repairing or replacing the other party's vehicle if you are at fault in an accident. It also pays for a lawyer to defend you if you are sued for damages.

Collision

Collision coverage pays to repair or replace your car due to damage from a crash. This covers damage to your vehicle resulting from your vehicle's impact with another vehicle or object, above your chosen deductible.

Comprehensive

Comprehensive coverage, also known as "Other Than Collision" coverage, pays for damage to your car from events outside your control. This includes damage from fire, theft, vandalism, flooding, a broken windshield, or collision with an animal. It also covers losses caused by falling objects, windstorm, flood/water, glass breakage, and contact with a bird or animal. Comprehensive coverage is optional and pays above your chosen deductible.

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist coverage protects you if you are involved in an accident with a driver who has inadequate or no insurance. It pays to compensate you if you are injured in such an accident and may also cover property damage caused by a motorist with insufficient insurance.

Medical Coverage

Medical coverage provides benefits such as prompt medical coverage if you're injured in an auto accident. Depending on your state, it can provide coverage for the medical expenses you or anyone covered by your policy incurs as a result of an auto accident. Personal Injury Protection (PIP) is available in "no-fault" states, while medical payments coverage is offered in states that aren't no-fault.

Required information

To get a quote for NJM Auto Insurance, you will need to provide some personal information. This includes driver information, such as the driver's license number, for all licensed drivers who don't have auto insurance. You will also need to provide the Vehicle Identification Number (VIN) and the estimated annual mileage of the vehicle. Additionally, you will need to provide the address where the vehicle will be garaged, and you may need to provide the names and birthdates of other household members, including non-drivers.

If you are applying for insurance in a new state, you will need to register your vehicle in that state within 60 days from the start of your policy. You may also need to provide proof of eligibility for any driver discounts you wish to receive. This documentation can be uploaded to your online account or emailed to NJM.

It is important to note that NJM Auto Insurance is currently available only to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.

Customer satisfaction

NJM Auto Insurance is known for its outstanding customer and claims satisfaction. The company has been certified by J.D. Power for providing an exceptional Auto Claims Experience for six years in a row, demonstrating its commitment to its customers.

NJM offers a range of insurance products, including auto, homeowners, condo, renters, and personal umbrella insurance policies. Their auto insurance policy includes comprehensive coverage options such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical coverage.

One of the standout features of NJM's auto insurance is their Personal Injury Protection (PIP). This coverage, known as "no-fault" coverage, pays for the insured's medical expenses resulting from an auto accident, regardless of who is at fault. PIP also provides reimbursement for other expenses incurred due to injuries, such as lost wages and the cost of hiring someone to take care of your home or family.

NJM also offers various discounts and ways to save on auto insurance premiums. For example, they provide discounts for bundling policies, having multiple vehicles insured under the same policy, and good student discounts. Additionally, NJM allows customers to customize their policies with endorsements, adding increased limits and extra coverages to meet unique needs.

The company's website provides 24/7 access to policy information, enabling customers to view existing claims details and upload documents conveniently. Overall, NJM's focus on customer satisfaction is evident through its comprehensive coverage options, exceptional claims experience, and commitment to meeting its customers' diverse insurance needs.

Frequently asked questions