NJM Insurance: Rates, Discounts & Consumer Ratings

Can anyone get NJM Insurance?

NJM insurance products are open to all New Jersey and Pennsylvania residents and businesses as of October 1, 2018.

Does NJM cover rental cars?

NJM car insurance covers a rental car if you have collision and comprehensive coverage for at least one of the vehicles on your policy. You will have the same deductible for the rental car that you do for your car. NJM rental car coverage is only available for cars rented in the United States and its territories, Puerto Rico and Canada.

Does NJM have gap insurance?

NJM offers gap insurance as an optional coverage for NJM auto policyholders who live in New Jersey and Pennsylvania. It's called the Auto Loan/Lease coverage endorsement. NJM gap insurance is extra coverage that helps pay for the difference between the balance of your car loan or lease and what your car is worth in the event that it's totaled during an accident.

Does NJM have life insurance?

NJM doesn't offer life insurance. The insurance products NJM offers are auto and recreation, home and property, umbrella, workers' compensation, commercial auto and commercial general liability.

What is NJM SafeDrive?

NJM SafeDrive is an optional program for NJM car insurance policyholders that monitors your driving. This program offers a discount on your car insurance and can provide you with feedback on how to become a safer driver. NJM SafeDrive uses a mobile app to monitor your acceleration, speed, braking, cornering, and distracted driving. Drivers who enroll in this program will automatically receive a participation discount.

What more do you need to know about NJM insurance?

You can get an auto, home, renters, condo or business quote directly on NJM’s website or by calling 1-800-232-6600. NJM also allows its policyholders to report a claim online or by calling the company's 24-hour claims service center.