NJM Insurance vs Plymouth Rock Car Insurance for 2023

When it comes to car insurance, there is no shortage of options available in the market. However, with so many providers to choose from, it can be overwhelming to decide which one to go with.

In this article, we’ll be comparing two of the most popular car insurance providers in New Jersey – NJM Insurance car insurance and Plymouth Rock car insurance.

• NJM Insurance is a mutual company that is owned by its policyholders. This means that the profits of the company are shared among its customers in the form of dividends or lower premiums.
• Plymouth Rock offers a unique program called “Get Home Safe” that provides its customers with a free taxi ride home if they feel too intoxicated to drive. This program is available in select states.
• Both companies have a strong focus on customer service and have received high ratings in customer satisfaction surveys.

We’ll be taking a closer look at their history, mission, products and services, pricing, discounts, and customer reviews to help you make an informed decision.

History and Mission of NJM Insurance vs Plymouth Rock

NJM Insurance was founded in 1913 as the New Jersey Manufacturers Casualty Insurance Company. The company started by providing workers’ compensation insurance to New Jersey manufacturers, and it later expanded its offerings to include auto, home, and business insurance.

Today, NJM Insurance is a mutual company that is owned by its policyholders. Its mission is to provide high-quality insurance products and services to its customers at competitive prices.

Plymouth Rock was founded in 1982 as a subsidiary of the Plymouth Rock Group of Companies. The company was started with the goal of providing innovative car insurance products and exceptional customer service to its customers.

Today, Plymouth Rock operates in several states across the Northeast, including New Jersey, Massachusetts, Connecticut, and New Hampshire.

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Products and Services Available at NJM Insurance vs Plymouth Rock

NJM Insurance offers a range of insurance products, including car, homeowners, renters, and umbrella insurance. Its auto insurance policies include liability coverage, collision coverage, and comprehensive coverage.

NJM Insurance also offers optional coverages, such as roadside assistance and rental car coverage. In addition, the company offers discounts to policyholders who bundle multiple insurance policies together.

Plymouth Rock also offers a range of insurance products, including car, homeowners, renters, and umbrella insurance. Its auto insurance policies include liability coverage, collision coverage, and comprehensive coverage.

Plymouth Rock also offers optional coverages, such as roadside assistance and rental car coverage. The company’s unique “Get Home Safe” program is available in select states and provides policyholders with a free taxi ride home if they feel too intoxicated to drive.

Car Insurance Coverage Cost at NJM Insurance vs Plymouth Rock

NJM Insurance and Plymouth Rock both offer competitive pricing for their insurance products. However, the cost of insurance can vary depending on several factors, such as the type of coverage, the deductible amount, and the policyholder’s driving record.

It’s important to get a quote from each company to compare their pricing and determine which one offers the best value for your needs.

Car Insurance Discount Options Offered by NJM Insurance vs Plymouth Rock

Both NJM Insurance and Plymouth Rock offer a variety of car insurance discounts to their policyholders. These discounts can help lower the cost of your insurance premiums and make your coverage more affordable.

NJM Insurance Discounts:

• Safe Driver Discount: NJM Insurance offers a safe driver discount to policyholders who have a clean driving record and have not had any accidents or traffic violations in the past three years.
• Multi-Vehicle Discount: NJM Insurance offers a multi-vehicle discount to policyholders who insure more than one vehicle on the same policy.
• Home and Auto Bundle Discount: NJM Insurance offers a discount to policyholders who bundle their auto insurance policy with a homeowners insurance policy.
• Paid-In-Full Discount: NJM Insurance offers a discount to policyholders who pay their entire premium upfront.
• Defensive Driving Course Discount: NJM Insurance offers a discount to policyholders who take an approved defensive driving course.
• Anti-Theft Device Discount: NJM Insurance offers a discount to policyholders who have anti-theft devices installed in their vehicles.
• Professional Association Discount: NJM Insurance offers a discount to policyholders who are members of certain professional organizations, such as the New Jersey Education Association or the New Jersey State Bar Association.

Plymouth Rock Discounts:

• Safe Driver Discount: Plymouth Rock offers a safe driver discount to policyholders who have a clean driving record and have not had any accidents or traffic violations in the past three years.
• Good Student Discount: Plymouth Rock offers a good student discount to policyholders who are full-time students and maintain a certain grade point average.
• Multi-Vehicle Discount: Plymouth Rock offers a multi-vehicle discount to policyholders who insure more than one vehicle on the same policy.
• Home and Auto Bundle Discount: Plymouth Rock offers a discount to policyholders who bundle their auto insurance policy with a homeowners insurance policy.
• Anti-Theft Device Discount: Plymouth Rock offers a discount to policyholders who have anti-theft devices installed in their vehicles.

It’s important to note that the availability of discounts may vary by state and may be subject to certain eligibility requirements.

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What Customers Are Saying with NJM Insurance and Plymouth Rock

NJM Insurance has a reputation for providing excellent customer service and offering competitive rates. Many policyholders praise the company’s claims handling process and responsiveness, as well as the ease of managing policies online.

However, some customers have reported difficulty getting in touch with customer service and experiencing delays in claims processing.

Plymouth Rock also has a reputation for providing good customer service and offering competitive rates. Many policyholders appreciate the company’s online tools and resources for managing policies and filing claims.

However, some customers have reported difficulty getting in touch with customer service and experiencing delays in claims processing.

In Conclusion: NJM Insurance vs Plymouth Rock

After reviewing the history, mission, products and services, discounts, and customer reviews of NJM Insurance and Plymouth Rock, it’s clear that both companies have their strengths and weaknesses.

Ultimately, the choice between NJM Insurance and Plymouth Rock car insurance will depend on your individual needs and preferences. If you value a long-standing reputation for customer service and claims handling, NJM Insurance may be the better choice. If you prefer a newer company with innovative online tools and resources, Plymouth Rock may be the way to go.

Regardless of which company you choose, it’s important to do your research and read reviews from multiple sources before making a decision. Be sure to speak with an agent or representative from the company to get a sense of their policies and services, and don’t be afraid to ask questions or request clarification on any areas of concern. With the right insurance company and coverage, you can have peace of mind knowing that you and your car are protected.

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