Century vs NJM Insurance Car Insurance for 2023
Unleash with a meticulous comparison of Century Insurance and NJM Insurance, revealing insights into their offerings, customer service, and overall value.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
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.
On This Page
Unlocking the best car insurance rates is a nuanced journey influenced by various factors such as credit score, mileage, coverage level, and driving record. In this comprehensive analysis, we navigate through the intricacies of insurance rates, dissecting the data to uncover the most advantageous options for different customer profiles. From stellar rates for high credit scorers to exceptional deals for low-mileage drivers, our subhead summaries illuminate the competitive landscape, providing readers with a quick, informative snapshot on how specific factors shape insurance rates across companies. Whether you’re a cautious driver or a frequent traveler, this guide empowers you to make an informed choice tailored to your unique circumstances.
| Factors | Century | NJM |
|---|---|---|
| Clean Record | $80 | $101 |
| 1+ Ticket | $100 | 121 |
| 1+ Accident | $120 | $147 |
| DUI | $140 | $149 |
| Poor Credit | $138 | $174 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Century | NJM |
|---|---|---|
| Anti Theft | 5% | 15% |
| Good Student | 10% | 12% |
| Low Mileage | 10% | 5% |
| Paperless | 8% | 10% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 12% |
Century Insurance
Pros:
- Customizable Policies: Century Insurance offers customizable car insurance policies tailored to individual drivers’ specific needs.
- Excellent Customer Service: Known for exceptional customer service, policyholders can manage their policies conveniently through the online portal or mobile app.
- Discount Opportunities: Century provides various discounts, including multi-car discounts, safe driver discounts, and anti-theft device discounts.
Cons:
- Mixed Customer Reviews: While praised for customer service and claims processing, some customers report concerns about the cost of premiums.
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NJM Insurance
Pros:
- Financial Stability: NJM Insurance is a financially stable and highly-rated company with a history dating back to 1913.
- Mutual Insurance Model: As a mutual insurance company, policyholders are also owners, fostering a sense of ownership and commitment to customer satisfaction.
- Additional Coverage Options: NJM offers additional services like rental car coverage, gap coverage, and new car replacement coverage.
Cons:
- Limited Operating States: NJM Insurance operates in fewer states compared to Century Insurance, limiting its availability to potential customers.
- Standard Discount Offerings: While offering standard discounts like multi-car and safe driver, NJM may have fewer discount options compared to competitors.
Company History and Mission
Century Insurance was founded in 1956 in Michigan and has since expanded its operations to other states, including Arizona, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, Ohio, Pennsylvania, Tennessee, and Wisconsin. The company’s mission is to provide personalized and affordable car insurance to customers while maintaining exceptional customer service.
NJM Insurance, on the other hand, has been providing insurance services for over 100 years. The company was founded in New Jersey in 1913 and has since expanded its operations to other states, including Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. NJM Insurance’s mission is to provide quality insurance products and services at a competitive price while maintaining excellent customer service.
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Main Products and Services
Century Insurance offers a range of car insurance products and services, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance. The cost of these services varies depending on the state and the customer’s driving history.
NJM Insurance offers similar car insurance products and services, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance.
NJM Insurance also offers additional services such as rental car coverage, gap coverage, and new car replacement coverage. The cost of these services also varies depending on the state and the customer’s driving history.
Discounts Available to Customers
Century Insurance offers a variety of discounts to customers, including multi-car discounts, safe driver discounts, good student discounts, anti-theft device discounts, and accident-free discounts. To qualify for these discounts, customers must meet certain criteria, such as having multiple cars insured with Century Insurance, maintaining a clean driving record, or having an anti-theft device installed in their car.
NJM Insurance also offers a range of discounts to customers, including multi-car discounts, safe driver discounts, good student discounts, and defensive driving discounts. To qualify for these discounts, customers must meet certain criteria, such as having multiple cars insured with NJM Insurance, maintaining a clean driving record, or completing a defensive driving course.
Case Studies: Comparisons of Century vs NJM Insurance Car Insurance
Case Study 1: Affordable Coverage and Exceptional Service
John, a driver from Pennsylvania, compared Century Insurance and NJM Insurance for his car insurance needs. Both companies offered competitive rates, but Century Insurance stood out with its customizable policies and excellent customer service. John appreciated the convenience of managing his policy online and through the mobile app, making Century Insurance his top choice.
Case Study 2: Long-standing Reputation and Financial Stability
Sarah, a driver from New Jersey, sought reliable car insurance options and compared Century Insurance and NJM Insurance. While both companies had positive customer reviews, NJM Insurance’s long history since 1913 and its status as a mutual insurance company impressed Sarah. The company’s excellent customer service, along with its consistently high ratings, led Sarah to choose NJM Insurance for her coverage.
Case Study 3: Discounts and Customer Satisfaction
Michael, a driver from Ohio, explored discount opportunities and customer satisfaction when comparing Century Insurance and NJM Insurance. Both companies offered various discounts, such as multi-car discounts, safe driver discounts, and good student discounts.
However, Michael found NJM Insurance to have a higher overall satisfaction rating on consumer review websites. This, combined with their affordable premiums, made NJM Insurance his preferred option.
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Streamlining the Century and NJM Insurance Claims Process
Ease of Filing a Claim
Century Insurance and NJM Insurance prioritize customer convenience in their claims process. Policyholders have the flexibility to file claims through user-friendly online platforms, over the phone, or via mobile apps. These accessible options cater to diverse preferences and ensure that customers can report incidents with ease.
Average Claim Processing Time
Both Century Insurance and NJM Insurance boast efficient claim processing systems. While claim processing times may vary depending on individual cases, both insurers are dedicated to swift resolutions. This commitment minimizes disruptions for policyholders and ensures that claims are processed in a timely manner, aligning with their customer-centric approach.
Customer Feedback on Claim Resolutions and Payouts
Century Insurance and NJM Insurance consistently receive positive feedback regarding their claims handling. Century’s reputation for competitive pricing and excellent coverage options contributes to favorable customer experiences.
NJM Insurance’s long-standing history and financial stability, combined with exceptional customer service, bolster customer confidence. These insurance providers’ commitment to responsive and helpful customer service further underscores their dedication to customer satisfaction.
Navigating the Century and NJM Insurance Digital and Technological Features
Mobile App Features and Functionality
Both Century Insurance and NJM Insurance empower policyholders with robust mobile apps. Century’s app simplifies policy management, claims filing, and access to critical policy information. Similarly, NJM Insurance’s app offers comprehensive capabilities, ensuring policyholders can efficiently address insurance matters while on the go.
Online Account Management Capabilities
Century Insurance and NJM Insurance provide feature-rich online account management platforms. Century’s online portal streamlines policy adjustments, real-time policy access, and billing. NJM Insurance’s online capabilities simplify policy administration, enabling tasks like policy updates, billing, and claims tracking.
Digital Tools and Resources
Both insurers equip policyholders with valuable digital tools and resources, including informative articles, educational materials, FAQs, and interactive tools. These resources facilitate informed decisions and effective policy management, enhancing policyholders’ confidence in navigating the insurance landscape.
Customer Reviews
According to customer reviews, both Century Insurance and NJM Insurance have received positive ratings for their customer service and claims processing. However, some customers have reported issues with the cost of their insurance premiums and the level of coverage provided.
On consumer review websites such as J.D. Power and Consumer Reports, Century Insurance has received an overall satisfaction rating of 3 out of 5 stars. Customers have praised the company for its customer service and claims processing, but some have reported issues with the cost of their insurance premiums.
NJM Insurance has received an overall satisfaction rating of 4 out of 5 stars on consumer review websites. Customers have praised the company for its customer service, claims processing, and affordable premiums.
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Frequently Asked Questions
What sets Century Insurance apart from NJM Insurance in terms of coverage customization?
Century Insurance stands out for its emphasis on customizable policies, allowing drivers to tailor their coverage to precise needs. This flexibility provides a personalized approach that NJM Insurance may not offer to the same extent.
How do the discount programs of Century Insurance and NJM Insurance compare?
Both companies offer various discounts, but Century Insurance’s diverse range, including multi-car, safe driver, and anti-theft device discounts, gives it a competitive edge. This can significantly impact the overall affordability of coverage.
What additional services does NJM Insurance provide that Century Insurance may not offer?
NJM Insurance extends its services to include rental car coverage, gap coverage, and new car replacement coverage, providing a broader spectrum of options beyond standard car insurance offerings.
Are there notable differences in customer feedback for Century Insurance and NJM Insurance?
While both companies receive positive feedback, Century Insurance has mixed reviews regarding premium costs, whereas NJM Insurance is consistently praised for its affordability and customer service.
In terms of operational reach, how do Century Insurance and NJM Insurance differ?
Century Insurance operates in 11 states, including Arizona, Georgia, and Pennsylvania, while NJM Insurance is available in five states, including Connecticut and New Jersey. This distinction in coverage areas may influence the accessibility of these providers to potential customers.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
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.