National General vs NJM Insurance Car Insurance for 2023
Comparing National General vs NJM Insurance Car Insurance: Coverage, Cost, and Customer Satisfaction
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 12, 2023
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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: Apr 12, 2023
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
When it comes to choosing car insurance, consumers have a lot of options. Two companies that are often compared are National General car insurance and NJM car insurance. Both offer car insurance coverage, but they have different histories, products, and discounts.
- National General offers customizable coverage options, including roadside assistance, rental reimbursement, and custom equipment coverage.
- NJM Insurance is a mutual insurance company, which means that it is owned by its policyholders and not shareholders.
- Both National General and NJM Insurance offer discounts for safe driving, multiple cars, and good grades.
In this article, we’ll take a closer look at National General vs NJM Insurance car insurance, including their histories, products, discounts, and customer reviews, to help you make an informed decision.
History and Mission
National General was founded in 1920 as the Motors Insurance Corporation, which provided car insurance to General Motors employees. Today, National General offers a variety of insurance products, including car insurance, homeowners insurance, and RV insurance. Its mission is to provide affordable insurance solutions that meet the needs of its customers.
NJM Insurance was founded in 1913 as the New Jersey Manufacturers Casualty Insurance Company, which provided workers’ compensation insurance to factory workers in New Jersey. Today, NJM Insurance offers a variety of insurance products, including car insurance, homeowners insurance, and renters insurance. Its mission is to provide insurance products and services of superior quality at a competitive price.
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Products and Services
Both National General and NJM Insurance offer car insurance coverage, including liability coverage, collision coverage, and comprehensive coverage. National General also offers customizable coverage options, including roadside assistance, rental reimbursement, and custom equipment coverage. NJM Insurance offers additional coverage options, including personal injury protection, uninsured/underinsured motorist coverage, and gap insurance.
The cost of National General and NJM Insurance car insurance varies based on a variety of factors, including your driving history, the make and model of your car, and the level of coverage you choose. Both companies offer online quotes that allow you to customize your coverage and see how much it will cost.
National General offers car insurance in all 50 states, while NJM Insurance only offers car insurance in New Jersey, Pennsylvania, and Connecticut.
Discounts Offered
Both National General and NJM Insurance offer a variety of discounts to their customers. Here are some of the most common discounts:
- Safe driving: Both companies offer discounts for safe driving, which typically require you to maintain a clean driving record for a certain period of time.
- Multiple cars: Both companies offer discounts if you insure multiple cars with them.
- Good grades: Both companies offer discounts if you or a family member on your policy has good grades in school.
- Homeowners: Both companies offer discounts if you own a home.
- Anti-theft devices: Both companies offer discounts if you have anti-theft devices installed in your car.
Customer Reviews
When it comes to choosing car insurance, it’s important to consider the experiences of other customers. According to J.D. Power’s 2020 U.S. Auto Insurance Study, National General received a score of 821 out of 1,000, which is above the industry average. NJM Insurance received a score of 909 out of 1,000, which is the highest score in the study.
Customers of National General praise the company’s customizable coverage options and affordable rates, but some have reported issues with customer service. Customers of NJM Insurance praise the company’s excellent customer service and competitive rates, but some have reported limited coverage options.
Frequently Asked Questions
How do I file a claim with National General?
You can file a claim with National General by calling their claims hotline or filing a claim online through their website.
Does National General offer roadside assistance?
Yes, National General offers roadside assistance as an optional coverage that you can add to your car insurance policy.
What types of custom equipment does National General cover?
National General covers a variety of custom equipment, including audio and visual equipment, custom wheels, and performance parts.
Does NJM Insurance offer discounts for veterans or active-duty military members?
Yes, NJM Insurance offers a discount for veterans and active-duty military members who are policyholders.
Can I purchase NJM Insurance car insurance if I live outside of New Jersey, Pennsylvania, or Connecticut?
No, NJM Insurance only offers car insurance coverage in these three states.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.