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NJM Auto Insurance
Overall Satisfaction Rating
3.77/5
  • 5 stars
    15
  • 4 stars
    6
  • 3 stars
    2
  • 2 stars
    1
  • 1 stars
    6
Based on 30 reviews that contain star ratingsSHOW RATING DISTRIBUTION
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    NJM Auto Insurance

    ConsumerAffairs Unaccredited Brand

    NJM Auto Insurance provides home, business and auto insurance to clients in New Jersey. NJM is not one of InsuraMatch's verified partners. If you want to receive multiple quotes from insurance providers, contact InsuraMatch for quick results. *ConsumerAffairs insurance program, powered by InsuraMatch.

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    30 NJM Auto Insurance Consumer Reviews and Complaints

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    Verified Reviewer
    Original review: July 6, 2018

    I recently became a homeowner because of the death of my father. He had homeowners insurance with NJM. Now I have homeowners insurance with NJM. I have had auto insurance with NJM for many years. I can now bundle auto and homeowners insurance. I should receive a 15% discount on my homeowners insurance. Not exactly. Depending on how one does the math I am either going to be paying just as much as my father would have paid or a little bit more (I just received a statement with my father's name on it for 2018/2019, that is how I know). I had to get a new homeowners insurance insurance policy - I could not just transfer information from my father's policy to mine, even though nothing else has changed. The 15% discount has DISAPPEARED. All to the advantage of NJM.

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    Verified Reviewer
    Original review: June 15, 2018

    I'm currently really annoyed with NJM. I took a defensive driving course and got the certificate for it in March. My plan just renewed (June)... and I haven't even made my first payment for the renewal yet, it's not due till the end of the month. I called them to ask them what I should do about the certificate and they told me "It's likely this won't be applied to your insurance this year since your policy already started." (AGAIN. Didn't even make my first payment.) I've been an NJM customer for 13 years, and I'm fighting this because I think this is absolutely ridiculous. This is really the first issue that I've ever had with them, but I'm SUPER annoyed.

    The entire reason I took the defensive driving course was because I learned that they give you a discount on your plan if you do so. My premium is sky high for no reason, so I guess I shouldn't be surprised that this is an issue, seeing as how I'm trying to get a discount. Money Money Money. Way more important than their customers and customer service.

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    Verified Reviewer
    Original review: May 25, 2018

    I filed a claim with N.J. Manufacturers about a three years ago. I was involved in a minor car accident out of state. I was stopped in heavy traffic on the Pa. Turnpike and my foot slipped off the brake pedal in my car and I rolled into the car in front of me. I pulled to the side of the road and checked to make sure no one was hurt, etc. The owner of the car was very hostile and when I suggested that we should contact the police, she refused. To make a long story short, I continued on to my destination in Pa and the women went her way. We did in fact exchange driver's license, insurance cards, etc.

    I telephoned N.J. Manufacturers that very day and explained to them what had happened. There was no damage to any one in either vehicle and very little damage to either car. After (2) years with no claims filed against me, this woman hired a lawyer and is now trying to sue me for damages physically for her son and damages to her vehicle. I have only had (2) calls from N.J. Manufacturers in last (3) years. I was told they were going to investigate this claim but as of this date I am still in the dark as to any outcome in this matter. I have had N.J. Manufacturers for many years and I don't say they are a bad company, but I still feel I have a black cloud hanging over my head and I don't know what to expect to happen in the future.

    While I still feel N.J. Manufacturers is a great insurance company, I am a little disappointed in my current dealings with them, but I believe the company could keep me informed a little bit more as to the proceedings in my current situation and I hope that they are doing everything they can to resolve the present issue I have with a claim filed against me.

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    Verified Reviewer
    Original review: May 11, 2018

    Filing a claim with NJM is very professional, easy and quick. Excellent coverage for a fair price, provides approved repair companies. Also, always a please calling, great customer service, quick payments!

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    Verified Reviewer
    Original review: April 10, 2018

    My windshield was cracked in the summer and Safelite came out for repair, no problem. Then last week during one of the snow storms the crack grew larger splitting my windshield. I contacted NJM to report a windshield replacement claim and was on the phone a long time giving details of the claim and set up an appointment with Safelite. I contacted Safelite to confirm and they advised me NJM never set up a claim and my windshield had to be ordered and I had to now reschedule a new appointment date. Therefore if I didn't call I would have waited all day and no one would have showed. The damage ended up being under my deductible so my question is what did I actually need NJM for? The inadequate girl answering the phone, didn't even know how to process a claim properly.

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    Verified Reviewer
    Original review: March 16, 2018

    As a member for about 10 years, I never had a claim to file until a couple weeks ago when my truck was hit while parked. Due to it being a state owned vehicle that hit me, under law all they have to do is pay my deductible. So after getting multiple estimates, I submitted the cheapest in my claim. Their adjuster came out and inspected, and agreed to me that it was all on point. After 4 days of not hearing from them, I called, and they said the claim is closed, and said they mailed me a check for 1/3rd of the estimate. They won't pay for the seriously bent up impact bar, or a few other parts until the truck is dismantled at the shop, and they schedule the adjuster to come back and take more pictures.

    The shop said once the claim is approved, they would order the parts, pre-paint everything, and do the repair in one day since I have a large family and tote around multiple kids and my dog. Now, the truck will be laid up for 2+ weeks, and they will not offer me rental coverage for a similar vehicle to move my family, so I cannot afford to have my Yukon repaired, as similar full sized SUVs rent for almost $200 a day out of my pocket. Worthless insurance coverage that I spend a premium on, and there are multiple other companies that provide better coverage for the same cost. After I take this claim to court, I will be dropping this provider. What would have happened if I was in my vehicle and was injured when that truck hit me? Medical expenses on top of repair bills would most likely put me in the streets with the way they approach their clients.

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    9 people found this review helpful
    Verified Reviewer
    Original review: Feb. 19, 2018

    I've had no problems with them. But the one problem I have with this and all the other companies is that, even with a clean driving record (no tickets, no accidents) the premiums go up with age. I also don't think a credit score should be part of the equation.

    4 people found this review helpful
    Verified Reviewer
    Original review: Feb. 11, 2018

    I rarely have to call, because fortunately I have little need to do so, however when I have a need the process is painless. All it takes is one phone call and everything gets done without a problem. I am sure I could get insurance for less, but I could also get other things for less too, and I am not going to base my decision on cheaper deals. I have had NJM for more years than I care to count and when the need arises I feel that this company will address my needs in a responsible way.

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    Verified Reviewer
    Original review: Jan. 29, 2018

    The very best insurance company in the whole wide world. Everything went great and I got more than I expected!!! They even give out tremendous dividend bonuses but you have to be a government employee to be eligible for this insurance. Sorry!!!

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    Verified Reviewer
    Original review: Nov. 29, 2017

    They are cheaper than the other companies. Another company tried to greatly increase my rate just because of my age even though I had a perfect driving history... I then switched to NJ Manufacturers. They give members a check at the end of the year part of dividends which is nice.

    3 people found this review helpful
    Verified Reviewer
    Original review: Nov. 14, 2017

    I been with them for over 15 years, with the same vehicle. My rate has reduced due to the age of my car and I receive a rebate deduction each year. The price is right for me.

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    Verified Reviewer
    Original review: Oct. 4, 2017

    It's a good when they take your premium but this company refuses to pay a trauma reconstructive surgeon fair customary fees for services performed. They are basically paying doctors the minimum wage. Hence, poor payment equilibrates with inability to provide quality care.

    8 people found this review helpful
    Verified Reviewer
    Original review: April 13, 2017

    NJM doesn't care for the injured. I have a court order for payment every week yet they don't do it. I've lost a vehicle, homeowner's insurance, truck insurance, cell phones. I can't even pay my property tax because they won't pay me in a timely manner. They don't even respond to my attorney in a timely fashion. They want me to go to all these Dr.'s appointment but will fine me if I miss an appointment. How can I go if I have no money for gas? I've already had to cancel other Dr.'s appointments because of this. Hope that your employer doesn't use this company and hope you NEVER get hurt because they will do everything they can to not take care of you. They are greedy and don't follow judicial orders.

    15 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: April 6, 2017

    This is the first insurance company we come across who is very difficult to deal with. No easy access to lot of things. They never provide company guidelines on removing the driver who has no license just the permit holder and giving us hard time on removing and telling us it's their company policy to surrender permit and show them the receipt then they remove a person name off the policy. When we ran to DMV they said they have no idea what we are talking about. We told NJM that where to bring the document from what they need. They have no idea. They just tells us "it's company policy". Government wake up. Show us some act for such companies.

    6 people found this review helpful
    Verified Reviewer
    Original review: March 11, 2017

    You really cannot review an insurance company unless you went through a claim. They are all good while they get your money. Only when it is their turn to pay out, that is when you can know the good ones from the bad ones. Not that their prices are hard to beat with generous coverage, but the way they handled my claim was superior. I would suggest them to anyone who can have access to them. The only thing I don't like is their website. You can see the policy and request modifications, but you cannot get an instant quote. If you want to make a change, you have to call or send an email and wait. The autopay feature is through a totally different website! However these 2 things are considered minor comparing to the quality of this company.

    2 people found this review helpful
    Verified Reviewer
    Original review: Jan. 27, 2017

    I have been with NJM for several years, and always received good service. I have not experienced any problems with NJM. Filing a claim was not a problem - response was quick, and fair. I have no negative comments.

    3 people found this review helpful
    Verified Reviewer
    Original review: Jan. 19, 2017

    NJM was very helpful and prompt with payment when I filed a claim. You get to speak to a representative when you call. However, adjuster was not accurate. I had to fight about a flood claim when car got flooded trying to say there were dents before flood which was not true.

    3 people found this review helpful
    Verified Reviewer
    Original review: Nov. 23, 2015

    Great customer service, no local agent required, super low rates, bonus rebate check annually, prompt/efficient handling of claims. Have been with them for over 30 years for both our auto and home insurance, and I highly recommend them.

    3 people found this review helpful
    Verified Reviewer
    Original review: Nov. 21, 2015

    The rates are very reasonable for both my cars. The claim process is easy but thorough. They discount for homeowners and other policies. The phone line is very easy to use with great customer service.

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 20, 2015

    I have used NJM insurance company since I was on my parents policy at age 17. When I moved out on my own I purchased my own policy. Since then I have married and added my husband to my policy. We have had a few claims over the years and they have always been helpful, nice, and resolve the claims quickly and to our satisfaction. Would recommend to others!

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 16, 2015

    Great customer service. Always follows up, great rates and offers discounts. I have been using Njm for 17 years And Would Not Switch Any Time soon. I also have my homeowner insurance for my condo. They also offer great service there too. I love that I actually speak to a person not only a machine when you call.

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 14, 2015

    New Jersey manufacturers has excellent rates, excellent customer service. They send rebates home every year. They also offer other insurance options such as homeowners. New Jersey manufacturers is a local New Jersey based company. New Jersey manufacturers has a wonderful payment plan. Will adjust your payment schedule to fit your needs. I've been with New Jersey manufacturers since 1997.

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 13, 2015

    Small but reliable, willing to work with you if you have a spotty history. I had a DWI and that was not a deterrent to them continuing to renew me for many years and lowered my premium.

    4 people found this review helpful
    Verified Reviewer
    Original review: Nov. 11, 2015

    I have had NJM car insurance since I received my license at age 17. I have never had a problem with the insurance company. At age 26, I have gotten in 1 accident over the years and NJM was very easy to deal with throughout the process. My entire family uses this company and loves it. If you have to call them the people you speak with are very easy to deal with. If you get insurance for your house through them too then they give you discounts.

    5 people found this review helpful
    Verified Reviewer
    Original review: Nov. 9, 2015

    Been with them for almost 20 years and have never had any difficulty whatsoever. There are no middlemen and no shareholders so success and failure is shared by all policy holders. Fair Prices and great service.

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    Verified Reviewer
    Original review: Nov. 7, 2015

    They are easy to deal with. We always speak to a real person and the dividends are great. The renewal process is easy and quotes are given in advance so we have plenty of time to review and ask questions.

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 5, 2015

    The cheapest insurance and all others say they cannot compete with their prices. They are always available to answer questions and if not then they get back to you very very quickly. If you have a claim, they are extremely helpful in finding repairs for your car, a rental car for you to use in the meantime and all the proper medical help for any injuries.

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    Verified Reviewer
    Original review: Nov. 3, 2015

    New Jersey Manufacturers is a great company. They are very easy to work with, to set up and maintain your policy. They handle claims quickly and efficiently. Their reps are very knowledgeable, professional and friendly. Best of all, they pay you 2 dividends a year!

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    Verified Reviewer
    Original review: Nov. 1, 2015

    I like NJM because they do not surcharge for accidents or moving violations. Their rates are also very competitive. They offer multi-policy discount and offer customers ability to pay premium online with credit cards.

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    Verified Reviewer
    Original review: Oct. 28, 2015

    Very good experience. They really process the claims very fast. They give dividend every year. The overall premium rate is excellent. Communication is also excellent. It is easy to deal with them. They have excellent customer service.

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    NJM Auto Insurance expert review by Matthew Brodsky

    New Jersey Manufacturers Insurance Group provides coverage for business and personal purposes. The company customizes policies for homeowners, drivers and commercial business owners to ensure they receive superior service and reliable coverage in New Jersey and Pennsylvania.

    • Claims services: NJM Insurance has an online portal that makes it easy to file a claim or to receive support with a policy.

    • Quick quotes: The company lets consumers comparison-shop to find the best rate on their policy.

    • Complete coverage: Consumers can turn to the company to find coverage for personal vehicles, business fleets and motorcycles.

    • Roadside assistance: NJM Insurance offers a toll-free hotline that puts drivers into contact with essential assistance personnel when problems arise.

    • Controlling costs: The company provides business owners with advice and tips about reducing accidents in the workplace to lower insurance expenses.

    • Best for: Drivers who want complete coverage and drivers who want to do business with a local company.

    Profile picture of Matthew Brodsky
    Matthew Brodsky

    Insurance Contributing Editor

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    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    NJM Auto Insurance Company Information

    Company Name:
    NJM Auto Insurance
    Year Founded:
    1913
    Address:
    301 Sullivan Way PO Box 428
    City:
    West Trenton
    State/Province:
    NJ
    Postal Code:
    08628
    Country:
    United States
    Phone:
    (800) 232-6600
    Website:
    www.njm.com

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