With about 2,500 employees, NJM has faithfully served policyholders for more than 100 years, regardless of market conditions.
NJM auto insurance is also available to Pennsylvania residents. See why NJM has become one of New Jersey’s insurance leaders.
NJM is one of the largest auto insurance companies in New Jersey, and also offers auto insurance to Pennsylvania drivers. Between these two states, the Company insures more than 840,000 vehicles.
The Company operates in a mutual fashion, for the sole benefit of our policyholders. There are no stockholders whose concerns about profits conflict with policyholders receiving exemplary service and superior claims handling. In fact, we consider ourselves a service organization, not just another New Jersey insurance company.
NJM offers many benefits to policyholders including:
NJM car insurance policies include roadside assistance. This value-added service, which includes emergency towing, is available 24/7 anywhere in the United States or Canada.
Nationally Recognized Customer Service
NJM was privileged to earn the top spot nationally in a 2015 survey for claims satisfaction by a leading consumer publication.
Discounts for Drivers
You may qualify for the following discounts: Homeowners Companion, Multi-Car, Anti-Theft, Driver Training, Good Student and Mature Driver Improvement.
A.M. Best Company, the country’s primary insurance rating agency, rates NJM “A+” (Superior) for financial strength. That’s a sign of security that policyholders can trust.
Do I Qualify for NJM Auto Insurance?
You are eligible to apply for NJM car insurance coverage if you or your spouse are:
- Currently employed by a member organization of the New Jersey Business Industry Association (NJBIA) ; or
- Currently employed by the State of New Jersey; or
- Currently employed by a New Jersey county, municipality or township; or
- Currently employed by a New Jersey public school; or
- Currently employed by the federal government; or
- The named insured or resident spouse on a current or previous NJM policy for car insurance or homeowners insurance; or
- A current or previous resident insured operator of a vehicle covered under an NJM car insurance policy; or
- A current or previous insured operator on an NJM commercial auto policy.
How do I find out if my employer is a member of the NJBIA?
Approximately 20,000 employers across the state are members of the New Jersey Business Industry Association (NJBIA). To find out if your company is a member, check with your employer or contact us for assistance.
Can I use a family member’s NJBIA membership?
Membership eligibility may not be extended from family members unless the applicant or spouse is currently or was previously listed as an insured driver on the family member’s NJM auto insurance policy.
I left NJM for another personal auto insurer, but I’m unhappy with them and want to reapply. Will NJM allow me back?
Anyone who was previously a named insured, resident spouse or an insured driver on an NJM auto insurance policy is eligible to apply again. Applicants are subject to an underwriting review and must meet our acceptance criteria.
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Copyright 1995 – 2017. Progressive Casualty Insurance Company . All Rights Reserved.
We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.
*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.
Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.
Discount varies and is not available in all states or situations
Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.
$1 per day rate is based on filed nation-wide average rates for a 2-year old mixed breed dog with a BestBenefit $5000 annual limit plan, $100 deductible and 90% reimbursement. Rates are subject to change upon regulatory approval and will vary based on location, breed, age, and selected coverage options, deductible and reimbursement level. Actual rates may be higher or lower.
A leader in boat insurance from 2016 Millward-Brown national survey data.
No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.
Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.
Learn more about comparison rates, which are available from Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.
Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.
Classic & Collector Car Insurance
Collectible Autos aren’t standard vehicles; that’s why Specialty insurance is so important.
Specialized Collectible Auto Coverage
From Classics to Modifieds, we know your car and we want to help you get the insurance coverage you want.
Types of cars covered:
- Foreign and Domestic Sports Cars
- Hot Rods
- Many More!
How is Collectible Auto insurance different?
Trusting your collectible auto to a standard auto policy may bring you an unpleasant surprise at claim time. Here’s how a specialized Collectible Auto policy is different:
Typical Auto Policy
Collectible Auto Policy
At a classic car show, I want to leave my car on display and walk around the show? Should I worry?
May not cover damage that happens while you are not in attendance.
You’re covered so you can enjoy the show.
What if I want to take my car overseas?
May not be covered.
Special arrangements can be made to protect the vehicle on an overseas tour.
What if I need to replace rare and unique parts on my classic car due to a loss?
May not be able to replace the parts with exact matches per your policy.
In the event of a claim, a Collectible Auto policy offers stock original replacement parts to ensure your investment is covered.
What if my car is in an accident and incurs a total loss?
The policy will not always cover an Agreed Value.
The Guaranteed Valueв„ў/Agreed Value on your policy should represent your vehicle’s current market value. In the event of a total loss, you’ll receive the full insured amount (less deductible).
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return link 1 Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040.
Products features may not be available in all states may vary by state. Restrictions, exclusions, limits, and conditions apply.
Desjardins Car Insurance
Based in Quebec, Desjardins is the top co-operative financial institution in Canada. It has over $229 billion of assets, nearly 46,000 employees, and 7 million members and clients. Desjardins offers personal banking, investment solutions and a full range of insurance products. The company’s car insurance policies are available to Canadians in Quebec, Ontario and Alberta.
Desjardins sells the following car insurance policies:
- Third-party liability: Protects you in the event a driver in your vehicle injures or kills someone or damages their property. Third-party liability covers the cost of any lawsuit up to the specified amount of insurance you have purchased. This coverage is mandatory across Canada.
- Accident benefits: Covers the costs of medical, caregiver, and rehabilitation expenses if you or another person are injured in an accident. Income replacement benefits are also included, and funeral costs are covered in the event that an insured person is killed in a collision.
- Collision: Protects you in the event that your car is damaged by a collision with another car or object, such as if you lost control in bad weather and hit a median. Your insurance will typically cover the entire cost of the repairs, minus a deductible (owed by you).
- Comprehensive: Covers you in the event that your car is damaged in any number of ways, including fire, theft, vandalism, weather, etc. Your insurance will typically cover the entire cost of the repairs, minus a deductible (owed by you). Desjardins notes that this coverage is sometimes mandatory for financed or leased vehicles.
- Direct compensation-Property damage (DC-PD): Provides compensation for repairs to your vehicle (and the contents inside it) in the event that another driver is even partially responsible for the damages to it caused by an accident. For coverage to apply, the accident must have occurred in your province, there must be another vehicle involved and it must also be covered by an insurance policy in your province.
- Uninsured driver coverage: Protects you and your passengers in the event that your car is either struck by a hit and run driver, or a driver who does not have insurance. Compensation is provided if someone is injured or killed, and also if the car or its contents are damaged.
Optional Desjardins Car Insurance Policies
In addition to the above, Desjardins also offers the following car insurance policies you can add to your package:
- Removing depreciation deduction: Applies if a new car is stolen or damaged beyond repair within the first two years. In this event, Desjardins compensates you for the full value of the car when it was purchased, without taking into account depreciation.
- 5-year new vehicle protection: Similar to the previous option, this option extends the coverage for 5 years after a car is purchased.
- Family protection: Protects you and your family if you are injured or killed by an uninsured or underinsured motorist.
- Transportation replacement: Covers the cost of a taxi, public transit or a rental car while yours is being repaired or a new one is being purchased. It only applies if the car was damaged by something covered under your policy.
- Civil liability resulting from damage to non-owned automobile: Protects you if you damage a car that is either rented or borrowed for personal use anywhere in Canada or the United States
- Accident-free protection: With this option, your premiums won’t increase after your first at-fault accident.
- $0 deductible With this coverage, you won’t pay any deductible when making a claim, even if you were at fault for an accident.
- Trouble-free option: Combines the transportation replacement and civil liability resulting from damage to non-owned automobile endorsements. In Ontario and Alberta, this endorsement pays $50 per claim to cover emergency roadside assistance. In Quebec, it also provides $15,000 of coverage if you or your spouse die in a car accident, and eliminates the deductible if you’re involved in a hit-and-run, or if your car is declared a total loss.
Desjardins Car Insurance Discounts Available
As is common in the industry, Desjardins offers numerous ways for drivers to save money on their car insurance. The biggest discount program Desjardins offers is called Ajusto. With this program, you install a device in your car that tracks your driving habits. Ajusto assigns you a score based on how smoothly you drive, your speed, the time of day you travel most and the average distance travelled. Depending on your score, you can save up to 25% when you renew your policy.
Other potential savings offered by Desjardins include:
- Multi-Vehicle Discount: You can save up to 15% if you insure more than one vehicle with Desjardins.
- Multi-Line Discount: Desjardins offers a discount on your car insurance if you also have home, rental property or watercraft insurance with them.
- Winter Tire Savings: Having four winter tires results in a savings of 5% on your auto insurance premiums.
- Anti-Theft Savings: You can also save money by installing an approved anti-theft device on your car.
- Hybrid Vehicle Discount: This rewards drivers with environmentally-friendly vehicles.
More About Desjardins Car Insurance
Desjardins offers car insurance in Quebec, Ontario and Alberta. The company sells direct to consumers, which means you don’t pay insurance commissions. Enter your location and car information into our widget and find out if Intact can offer you one of the best car insurance rates in Canada.
Direct General Insurance
Direct General Insurance
Other Auto Insurers
Benefits of a Policy with Direct General
Drivers can add supplemental services to the standard auto insurance policy offered by Direct General. Roadside Assistance and Emergency Protection. In particular, the Emergency Protection package has a wide breadth of services that function as another layer of protection on top of your standard coverage. The plan pays up to $125 per day up to a year of hospital stays, up to $1,000 of accident medical expense reimbursement, $100 towards ambulances, and $500 of legal fee reimbursements. Rental costs are reimbursed (typically reimbursed only through rental option with a collision and comprehensive coverage), and personal effects are covered. While these benefits are great, they come at a cost of nearly a third of representative quotes.
Find the Cheapest Auto Insurance Quotes in Your Area
Another benefit of auto insurance coverage from Direct General Insurance is that they are more receptive towards drivers with non-standard driving records. For example, they cover high-risk auto insurance in addition to standard car insurance. Direct General states on its website that it understands dropped coverage from other carriers, and won’t require checking account or credit cards that other insurers may ask for.
Higher than Average Complaint Records
Unfortunately, there are high numbers of complaints lodged against Direct General Auto Insurance with two reporting organizations. For the most part, policyholders lodged complaints with the NAIC about delays in processing claims related to liability and physical damage coverage. Direct General received four times as many complaints as the median auto insurer did. Put another way, Direct General’s share of national complaints was four times as many as its share of national premiums. At the Better Business Bureau, other customers complain of company representatives’ failure to follow up on phone calls and issues, and delays in receipt of funds for repairing damaged vehicles.
Auto Insurance Policy Discounts
Direct General underwrites auto insurance policy in twelve states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia. However, coverage within those states is inconsistent. For example, in Florida, Direct General covers the cities of Tampa, Jacksonville, Orlando, Tampa, and Port St. Lucie, but excludes the market of Miami, FL.
The sample quote for minimum coverage for a 30 year old single male driving a 2010 Honda Accord LX in Jacksonville, FL was estimated at $383 for six months (be sure to get two other price points to check that this is a fair and reasonable price for you to pay). The online system was relatively easy to navigate, and the questions were straightforward without requiring users to divulge sensitive or personally identifiable information. Note, the company charges an auto policy fee of $25, as well as various assessments and MVR (motor vehicle record) fees. Information on discount availability and amounts were not disclosed by Direct General.
How to File a Claim
While representatives are available 24/7, the First Notice of Loss team is only available Mondays through Fridays from 8am ET to 7pm ET and Saturdays from 8am ET to 4pm ET to file a report. Other representatives may be present to record your information, but the actual claims form will not be filed until the regular operational hours of the FNOL team.
- Press 1 for New Claims
- Press 2 for Existing Claims
Customer Service Telephone Number: (877) GO DIRECT
About Direct General Insurance
Direct General is headquartered in Nashville, Tennessee, and operates through 400 local offices across twelve states in the Southeastern region of the United States. These states are Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia. In addition to the auto coverage detailed above, the company also provides motorcycle insurance and life insurance. It also partners with NetSpend to provide a prepaid MasterCard.
auto insurance specialists
auto insurance specialists
Auto Insurance Premiums Higher than Average
We’ve included sample premiums for four demographic profiles in New Jersey from IFA below. Outside of young and single female drivers, the other groups of married middle-aged couple and single males at IFA cost much more than the average of almost sixty auto insurance companies surveyed in NJ. The sample premium for married couples alone was about 72% or $1,719 more than the aggregate average. To give readers a benchmark of what cheaper auto insurance can cost, we’ve included Liberty Mutual’s sample premiums in the comparison table below. For the same married couple, the cost of auto insurance at Liberty Mutual would have been $1,526, beating even the average. To see what other companies are providing cheap auto insurance in your area, enter your zip code into the box below.
Find the Cheapest Auto Insurance Quotes in Your Area
IFA Car Insurance Quote Comparison
Here’s a look at a few sample IFA auto insurance quotes:
IFA Auto Insurance Policy Coverage
IFA offers the typical standard bundled auto insurance packages, but allows prospective customers the option of tailoring liability and benefit limits. IFA’s online quote system is straightforward to use. We came across a few interesting questions in their quote system that we haven’t encountered before. IFA asks for details on where the insured vehicles are parked (street vs. garage), and what tort options are (for a sample rate in NJ – whether you want the option to sue another driver for any bodily injury as opposed to just permanent bodily injury). There aren’t that many questions, and it’s a rather quick process to get a quote proposal.
With IFA Auto Insurance customers can opt for time different timelines when they’re looking to purchase their policy, 6-months or 12-months. The differences basically boil down to this: a 6-month commitment is more desirable because it gives you flexibility to switch insurers if you find out you don’t like IFA. Some people enjoy this shorter term commitment. On the flip side, a 12-month commitment allows you to lock in today’s rate for the duration of the year. If you opt for the 6-month policy you’ll have to undergo a review at the end of 6 months in which your rates could go up. Also, 12-month policies will many times have lower premiums than their 6-month counterparts.
Insurer Ratings and Financials
Auto Insurance Discounts at IFA
While the company offers the typical basket of discounts on their car insurance premiums, estimates of the amount are not available.
How to File a Claim with IFA Insurance
To report a claim with an IFA Insurance representative:
Telephone Number: (877) 432-2277
- Press 3 to file a claim
- Press 1 to file a new claim
To speak to a customer care representative at IFA Insurance, call (877) 432-0292
- Press 4 to speak with an operator
- Ask operator to connect you with Customer Service
About IFA Insurance Company
IFA Insurance Company is headquartered in Clark, New Jersey and operates in three states: New Jersey, Maryland, and Pennsylvania. They provide auto insurance through an independent-agent model which they’ve been using for over 40 years.
High Risk Auto Insurance
High risk car insurance is the insurance category reserved for drivers with past driving violations, inexperience behind the wheel, or poor credit. If you meet any of this criteria many insurance companies will consider you a high risk driver and your car insurance premiums will be higher as a result. There’s still hope though: while some insurance companies won’t insure a motorist with ANY marks on their driving record, there are plenty of reputable carriers who will insure high risk drivers.
How much does High Risk Auto Insurance cost?
Drivers that fall under any of the high risk categories will see their insurance costs rise relative to the average driver. To give you a sense of what the difference between these rates are we compiled data across all 50 states for three categories of high risk drivers to help you understand how much more these premiums can cost you. Note that these rates are the averages of different policies for high risk drivers insured by GEICO, Allstate, Nationwide, and MetLife. These averages do not include rates for insurance through each state’s residual pools.
Find the Cheapest Auto Insurance Quotes in Your Area
With many of the factors under your control, it shows why it is quite important for drivers to maintain a clean record, as the extra costs can quickly add up. If you’re interested you can check out our methodology below to see how we compiled these numbers
Best High Risk Auto Insurance Companies (Average Premiums)
If you arleady fall into one of the High Risk categories, some companies may be cheaper than others when it comes to insuring you. We took a look at major companies compare when it comes to the insurance premiums they offer higher risk drivers. While your rates will differ from the sample in our study, our list can help you figure out where to begin. Below we’ll take a look at the average annual premium amount for the four companies we looked at (GEICO, Allstate, MetLife, Nationwide) for each of the three scenarios:
On average GEICO turned out to be the cheapest high risk auto insurance company of the bunch in both the speeding and young driver scenarios. For the ‘DUI + Accident’ scenario GEICO was edged out slightly by Allstate with an nationwide annual average of $2,298 per year versus GEICO’s $2,493. This study is based on a select sample profiles so it may not reflect your circumstances and should only be used as guideline. To find cheaper high risk auto insurance, you should compare quotes from multiple companies. If you’re interested in getting a list of companies in your area enter your zipcode below and click through to get a quote.
Find the Cheapest Auto Insurance Quotes in Your Area
What Determines If You Are a High Risk Driver?
If you’ve been convicted of driving under the influence, your premiums will be going up. Once you get your license back, you’ll need to carry DUI insurance, otherwise referred to as SR22. SR22 is the highest risk coverage a car insurance company can carry and will need to be filed with your state DMV to reinstate your driving privileges. You’ll also need to have your SR22 on file with the DMV for up to 5 years after your DUI incident. States will vary in how long your DUI will show up on your driving record, but be prepared for insurance companies to charge you higher rates as long as your DUI is still on record.
Young drivers, such as students, are also qualified as high risk. Statistically, drivers in their youth are at a higher risk of getting into an auto accident and insurance carriers adjust their premiums accordingly.
Regardless of age, drivers who are newly licensed will always face higher insurance rates than seasoned drivers who’ve been driving for a longer period of time. That being said, there is one way to work around this rule: have someone add you to their existing policy. This shortcut ensures your premiums will be lower than going it alone.
Lapse in insurance coverage
Regardless of why you dropped your last car insurance policy, you’re going to find premiums are higher now that you’re reapplying. The good news is that over time, and once you prove to the insurance company that you’re a responsible driver, you’re premiums will drop back down to normal rates. The bad news is that it may take 6 months or more for your policy premiums to decrease.
Yes, you read that right. People who have a poor credit history will also be deemed high risk drivers. Why is this the case? Insurance companies are essentially placing millions of bets, in the form of insurance policies, and to decrease their risk they want to insure responsible people. They’ve determined that checking your credit history is a quick and easy screen to ballpark your level of responsibility in advance of insuring you. Fortunately there are some insurance carriers who don’t do credit checks, but you’ll have to be diligent in your search to find them.
Other serious driving violations
While getting a DUI falls into this category, you’ll also find it no surprise that your insurance premiums will spike if you have any other type of serious driving violation (hit and run, road rage, excessive speeding). Higher insurance premiums may be the least of your worries, however, as many of these moving violations are considered felonies which could result in you spending time behind bars.
3 Things To Remember When Looking For High Risk Auto Insurance
1. Compare and contrast providers in your area
We recommend getting online quotes from as many insurance providers as you can. Until you get your quotes, you’re never quite sure which carrier will be able to give you the lowest rate. Fortunately, the internet has made a once painful experience much easier by allowing you to apply for quotes, compare and contrast results, and choose the best plan, all from the comfort of home.
2. Being a high risk driver doesn’t last forever
While insurance companies may view you as high risk today, you’ll be happy to know your status will change once you’ve proven you’re safe and responsible. Yes, certain things like getting a DUI will keep you paying increased premiums for an extended period, but most other high risk drivers can begin paying lower rates in a much shorter time frame.
3. There are steps you can take to lower your rate
You don’t just have to sit there and wait for your insurance rate to drop. With few exception, proactive measures like working to improve your credit score, getting good grades as a student, or taking driving classes after a violation, are all methods you have at your disposal. Just remember, your insurance company will want proof of these measures, so it’s best to keep good records submit them to the carrier when you’re ready.
ValuePenguin sampled high risk auto insurance rates for the largest city in each state across four car insurance companies where available: GEICO, Allstate, MetLife and Nationwide. Our hypothetical driver was a 30 year old male driving a 2010 Toyota Camry. He drives 10-15k miles per year on average primarily commuting to and from work. Liability coverage is set to the legal state minimum. For the “speeding” scenario, it was assumed that our driver had received a 20 over the speed limit citation in the last 5 years. For our “DUI + Accident” scenario it was assumed that the driver had a DUI or DWI and also, in either the same or a separate incident, had been at fault in an accident where someone was injured. In the “Young Driver” scenario our driver was an 18 year old male with the same specifications listed above.
Surveyed auto insurance costs are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.