Unlocking Savings: A Comprehensive Guide to Getting a Free Quote for NJM Car Insurance (2023)


Looking to secure a pocket-friendly NJM car insurance quote? You're in the right place. We've streamlined the process for you, ensuring a hassle-free experience whether you prefer a local agent or the convenience of online quotes.

Local Expertise, Global Reach

NJM's commitment to personalized service starts with its local agents. With offices in West Trenton, Parsippany, and Hammonton, New Jersey, customers can walk in for a face-to-face consultation. Don't reside nearby? No worries – a quick call to 800-232-6600 on weekdays from 7 a.m. to 9 p.m. or Saturdays from 8:30 a.m. to 4:30 p.m. ET connects you to an agent ready to assist.

Seamless Online Quoting

Prefer the digital route? NJM's website offers an intuitive quote tool. Head to the homepage, locate the quote tool with two dropdown boxes, select your area (Connecticut, Ohio, Pennsylvania, or New Jersey), choose auto as your policy type, and hit 'Get Quote.' Enter your details, from personal information to driving history, and witness your customized coverage options materialize.

What You Need for a Swift Application

Efficiency is key. Keep these documents handy when applying:

  • Your driver’s license number
  • Driving history details, including claims and accidents
  • Car details
  • Names of all drivers

Unlocking Discounts with NJM

NJM sweetens the deal with a range of discounts, setting it apart from the competition:

  • Home and auto bundle discount
  • New car discount
  • Multi-car discount
  • Full coverage discount
  • Anti-theft device discount
  • Telematics program discount through SafeDrive
  • Driver training discount
  • Defensive driving discount
  • Mature driver improvement discount
  • Good student discount
  • Payment discounts
  • Dividends – a unique offering since 1918, with over $6 billion paid to policyholders.

Exploring Add-Ons and Perks

Beyond standard coverage, NJM offers noteworthy add-ons:

  • New car replacement
  • Gap coverage
  • Extended medical expense coverage
  • Free roadside assistance
  • Transportation expense options
  • Rideshare coverage
  • Trailer or camper physical damage
  • Limited pet injury coverage

Teen Safe Driving Program

NJM takes a proactive stance with its Teen Safe Driving program, engaging with high schools to educate young drivers on distracted driving and state driving laws. The Share The Keys initiative involves parents in reducing teen crash risks.

NJM SafeDrive: A Telematics Approach

NJM SafeDrive, a telematics car insurance program, tracks driving habits and rewards safe driving. While app reviews hover around 2.4 on Google Play and 1.9 on the Apple Store, the immediate participation discount makes it an enticing option.

Customer Satisfaction and Ratings

NJM boasts an impressive track record in customer satisfaction:

  • B- BBB rating
  • 0.24 NAIC complaint index (far below the industry standard of 1.00)
  • No. 4 in J.D. Power’s 2020 Auto Insurance Satisfaction Study
  • 4.8 Trustpilot score out of 5 from nearly 6,000 reviews

Financial Stability and Accreditation

NJM's A+ AM Best rating and lack of accreditation with the BBB underscore its financial prowess and commitment to customer interactions.

Pros and Cons Snapshot


  • Local expertise
  • High customer ratings
  • Competitive rates
  • Dividends for policyholders
  • Open eligibility for most drivers


  • Lack of live chat
  • Limited geographic reach

How to Make a Claim with NJM

Filing a claim is seamless, either by calling 800-367-6564 or using the online portal. Be prepared with policy details, contact information, incident specifics, and photos of any damage.

Contacting NJM

Connect with NJM through in-person visits, email, phone, fax, or mail. Full details are available on their website.


Navigating the NJM car insurance landscape is now a breeze. Armed with local expertise, comprehensive coverage, and a host of discounts, NJM stands out as a top-tier choice. Explore your options today and drive with confidence.


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