Auto-Owners vs NJM Insurance Car Insurance for 2024
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Car insurance is a must-have for every driver, but with so many options available in the market, it can be overwhelming to choose the right one.
In this article, we will compare two of the top car insurance companies, Auto-Owners car insurance and NJM car insurance, and help you make an informed decision.
- Auto-Owners Insurance has been ranked #1 in the J.D. Power Auto Claims Satisfaction Study for six consecutive years.
- NJM Insurance is one of the few car insurance companies that offer dividends to its policyholders, which means you can get back a portion of your premium if the company performs well financially.
- Both companies have high customer satisfaction ratings, with Auto-Owners Insurance receiving an A+ rating from the Better Business Bureau and NJM Insurance receiving an A+ rating from A.M. Best.
We’ll take a closer look at their history, products and services, pricing, discounts, and customer reviews, so you can find the best coverage at the best price.
History and Mission
Auto-Owners Insurance was founded in 1916 in Michigan and has since expanded to provide coverage in 26 states. The company’s mission is to provide “peace of mind to their policyholders” through quality coverage and excellent customer service. Auto-Owners offers a wide range of insurance products, including car, home, life, and business insurance.
NJM Insurance, on the other hand, was founded in 1913 in New Jersey and exclusively provides coverage to policyholders in that state and Pennsylvania. The company’s mission is to offer “unmatched value” to its customers by providing excellent coverage at affordable prices. NJM Insurance offers various insurance products, including car, home, renters, and umbrella insurance.
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Products and Services
Auto-Owners Insurance offers a variety of insurance products and services, including car insurance, home insurance, life insurance, business insurance, and umbrella insurance.
- Liability coverage: This is required in most states and covers damages and injuries you cause to other people and their property.
- Collision coverage: This covers damages to your vehicle in case of a collision with another car or object.
- Comprehensive coverage: This covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This covers medical expenses and lost wages if you or your passengers are injured in a car accident.
- Uninsured/underinsured motorist coverage: This covers damages and injuries if you are involved in an accident with a driver who does not have insurance or enough insurance to cover the damages.
In addition to these basic coverages, Auto-Owners Insurance also offers add-ons such as roadside assistance, rental car coverage, and pet injury coverage.
NJM Insurance also offers a variety of insurance products and services, including car insurance, home insurance, renters insurance, and umbrella insurance.
- Liability coverage: This covers damages and injuries you cause to other people and their property.
- Collision coverage: This covers damages to your vehicle in case of a collision with another car or object.
- Comprehensive coverage: This covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This covers medical expenses and lost wages if you or your passengers are injured in a car accident.
- Uninsured/underinsured motorist coverage: This covers damages and injuries if you are involved in an accident with a driver who does not have insurance or enough insurance to cover the damages.
NJM Insurance also offers add-ons such as roadside assistance and rental car coverage. They also offer various discounts to their customers to help them save money on their premiums. It’s important to compare the specific products, pricing, and discounts offered by each company to determine which one is the best fit for your needs and budget.
Cost of Insurance
The cost of car insurance from Auto-Owners Insurance and NJM Insurance will depend on a variety of factors, including your age, driving history, location, and the type of coverage you choose. Generally speaking, both companies offer competitive rates and strive to provide affordable coverage to their customers.
In summary, both Auto-Owners Insurance and NJM Insurance strive to provide competitive and affordable car insurance rates to their customers. However, individual pricing will vary based on a range of factors, and it’s important to obtain quotes from multiple companies and compare coverage options to determine the best fit for your needs and budget.
States Where Coverage Is Offered
Auto-Owners Insurance offers coverage in 26 states, including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. In these states, Auto-Owners Insurance provides a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more.
NJM Insurance, on the other hand, primarily offers coverage to customers in the northeastern region of the United States. NJM Insurance currently offers car insurance coverage in New Jersey and Pennsylvania. In addition to car insurance, NJM Insurance also provides homeowners insurance, renters insurance, and umbrella insurance coverage to customers in these states.
t’s important to note that the availability of coverage options and pricing may vary based on the state you reside in.
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Available Discounts
Auto-Owners Insurance and NJM Insurance offer a range of discounts to help customers save money on their car insurance premiums. Here are some of the discounts offered by each company:
Auto-Owners Insurance:
- Multi-policy discount: Customers who have multiple policies with Auto-Owners Insurance, such as home and auto insurance, can qualify for a discount on their premiums.
- Safe driver discount: Customers who have a clean driving record and no accidents or violations within a certain time period may be eligible for a safe driver discount.
- Good student discount: Full-time students who maintain a certain GPA or are on the honor roll may qualify for a discount on their car insurance premiums.
- Teen driver discount: Parents who add a teenage driver to their policy may be eligible for a discount.
- Anti-theft device discount: Customers who have anti-theft devices installed in their vehicles may qualify for a discount on their premiums.
NJM Insurance:
- Multi-car discount: Customers who insure multiple vehicles with NJM Insurance may qualify for a discount on their premiums.
- Safe driver discount: Customers who have a clean driving record and no accidents or violations within a certain time period may be eligible for a safe driver discount.
- Good student discount: Full-time students who maintain a certain GPA or are on the honor roll may qualify for a discount on their car insurance premiums.
- Mature driver discount: Customers who are 55 years of age or older and have completed a state-approved defensive driving course may be eligible for a discount.
- Auto safety equipment discount: Customers who have certain safety features installed in their vehicles, such as airbags or anti-lock brakes, may qualify for a discount on their premiums.
It’s important to note that not all discounts are available in all states or with all policy types. When shopping for car insurance, it’s important to ask about available discounts and how you may qualify for them.
Case Studies: Auto-Owners vs NJM Insurance Car Insurance
Case Study 1: John’s Comprehensive Coverage Dilemma
John, a resident of Michigan, recently purchased a new car and wanted to ensure comprehensive coverage to protect his investment. He obtained quotes from both Auto-Owners Insurance and NJM Insurance to compare their offerings.
Auto-Owners Insurance provided John with comprehensive coverage that included protection against theft, vandalism, and other non-collision damages. Their competitive rates and positive customer reviews convinced John to choose Auto-Owners as his car insurance provider.
Case Study 2: Sarah’s Safe Driving Discount
Sarah, a young driver from New Jersey, was looking for affordable car insurance with discounts for safe driving. She reached out to both Auto-Owners Insurance and NJM Insurance to explore their offerings.
NJM Insurance stood out for Sarah as they offered a safe driving discount specifically tailored to young drivers like herself. This discount, combined with NJM’s competitive rates and strong reputation for customer service, led Sarah to select NJM Insurance as her car insurance provider.
Case Study 3: Michael’s Multi-Policy Savings
Michael, a homeowner residing in Pennsylvania, wanted to bundle his car insurance with his existing home insurance policy to save money. He compared quotes from Auto-Owners Insurance and NJM Insurance to find the best multi-policy savings.
Auto-Owners Insurance offered Michael an attractive discount for bundling his car and home insurance policies together. This, along with Auto-Owners’ wide range of coverage options and positive customer feedback, convinced Michael to choose Auto-Owners as his insurance provider.
Claims Process With Auto-Owners and NJM Insurance
Ease of Filing a Claim
Both Auto-Owners and NJM Insurance prioritize customer convenience when it comes to filing insurance claims. They offer multiple channels for policyholders to initiate claims, including user-friendly online platforms, efficient phone assistance, and mobile apps with intuitive claim filing functionalities.
These options make it easy for policyholders to report incidents and start the claims process promptly, catering to their individual preferences.
Average Claim Processing Time
The average claim processing time can significantly impact a policyholder’s experience during a stressful situation. Auto-Owners and NJM Insurance are committed to swift and efficient claims processing. While processing times may vary depending on specific circumstances, both insurers prioritize timely claim resolutions.
Their dedication to expeditious claims handling aims to provide policyholders with quick access to necessary support, minimizing any disruptions caused by unexpected incidents.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is a critical aspect of evaluating an insurance company’s performance. Both Auto-Owners and NJM Insurance have garnered positive feedback from policyholders regarding the effectiveness of their claims resolution processes.
While occasional challenges may arise, typical of the industry, both insurers have maintained positive customer sentiment through efficient claims handling and satisfactory payouts. This reinforces their reputation as reliable and trustworthy providers in the insurance industry.
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Digital and Technological Features at Auto-Owners and NJM Insurance
Mobile App Features and Functionality
Auto-Owners and NJM Insurance offer robust mobile applications equipped with extensive features and user-friendly functionalities. These mobile apps empower policyholders with convenient access to essential services, including policy management, claims filing, and quick access to roadside assistance.
By providing these user-friendly mobile apps, both insurers enhance policyholders’ flexibility and accessibility, allowing them to seamlessly manage their insurance needs through their smartphones.
Online Account Management Capabilities
Both Auto-Owners and NJM Insurance provide comprehensive online account management capabilities. These capabilities enable policyholders to proactively oversee and administer their insurance policies with ease.
The online platforms offer personalized policy adjustments, streamlined billing and payment options, real-time policy monitoring, and detailed policy information. The user-friendly online interfaces ensure seamless policy management, enhancing customer satisfaction and convenience.
Digital Tools and Resources
Auto-Owners and NJM Insurance are committed to offering a wide array of digital tools and resources that enrich the overall insurance experience for policyholders. These resources encompass informative articles, educational materials, frequently asked questions (FAQs), and interactive tools.
By providing informative resources, both insurers empower customers with knowledge and insights, enabling them to make well-informed decisions about their insurance coverage. This commitment to informative resources reinforces policyholders’ confidence and understanding of their policies.
Customer Reviews
Auto-Owners Insurance and NJM Insurance are both reputable car insurance companies that have received positive reviews from their customers.
Both Auto-Owners Insurance and NJM Insurance have positive reviews from their customers. When choosing a car insurance company, it’s important to consider factors such as pricing, coverage options, and customer service in addition to reviews.
Additionally, it’s important to shop around and compare quotes from multiple companies to ensure you find the best fit for your needs and budget.
Roundup: Auto-Owners vs NJM
In conclusion, both Auto-Owners Insurance and NJM Insurance are reputable car insurance companies that offer a range of products and services at competitive prices. While Auto-Owners Insurance has a larger geographical coverage area and more diverse product offerings, NJM Insurance has a strong reputation for excellent customer service and is well-regarded in the Mid-Atlantic region.
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Frequently Asked Questions
What types of car insurance coverage does Auto-Owners offer?
Auto-Owners offers a variety of car insurance coverage options including liability, collision, comprehensive, medical payments, personal injury protection, and more.
How do I qualify for a discount with Auto-Owners?
Auto-Owners offers various discounts such as multi-policy, safe driving, good student, and more. To qualify for a discount, you must meet the specific requirements for each discount.
What states does Auto-Owners offer car insurance in?
Auto-Owners offers car insurance in 26 states across the United States.
How do I file a claim with Auto-Owners?
You can file a claim with Auto-Owners by contacting your local agent, calling their claims department, or using their online claims portal.
What types of car insurance coverage does NJM Insurance offer?
NJM Insurance offers a range of car insurance coverage options including liability, collision, comprehensive, medical expense, personal injury protection, and more.
How do I qualify for a discount with NJM Insurance?
NJM Insurance offers various discounts such as multi-car, defensive driving, good student, and more. To qualify for a discount, you must meet the specific requirements for each discount.
What states does NJM Insurance offer car insurance in?
NJM Insurance primarily offers car insurance in New Jersey and Pennsylvania.
How do I file a claim with NJM Insurance?
You can file a claim with NJM Insurance by calling their claims department, using their online claims portal, or contacting your local agent.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.