NJM Auto Insurance Review | the ascent

Main advantages

Great customer service

NJM received above average ratings in JD Power’s most recent US Auto Insurance Study for the Mid-Atlantic region. It also has a low complaint rate with the National Association of Insurance Commissioners (NAIC). This suggests it receives fewer customer complaints than other insurers of a similar size.

Customizable policies

NJM offers a long list of endorsements in addition to its standard coverage options. Some of these endorsements, such as carpooling and trailer/RV body insurance, are not available from many major insurers. There is also gap insurance, which can help drivers repay the cost of their lease or loan if their car is destroyed in an accident.

Bonus for full coverage

Like most insurers, NJM offers collision and comprehensive coverage to help policyholders protect their own vehicles. But it goes beyond that by offering specific advantages to those who purchase these optional protections. Drivers who add both receive limited coverage for animal injury, transportation costs, and replacement of a new car at no additional cost. There is also a full coverage discount for drivers in the event of collision and full coverage.

What could be improved

Limited availability

The biggest thing holding NJM back is its service area, which currently only covers Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Drivers who live in one of these states will definitely want to take a closer look at the company, but those who live elsewhere will need to explore other insurers.