NJM Insurance vs Sentry Insurance Car Insurance for 2023

Car insurance is an essential requirement for anyone who owns a vehicle. However, finding the best car insurance company can be a daunting task, considering the number of insurance companies available in the market. In this article, we will compare NJM car insurance and Sentry car insurance policies to help you make an informed decision.

Here are three bullet points that highlight interesting attributes of NJM Insurance and Sentry Insurance:

• NJM Insurance offers a unique dividend policy that returns a portion of premiums paid by policyholders annually.
• NJM Insurance provides exceptional customer service and offers a mobile app that allows customers to manage their policies and file claims easily.
• Sentry Insurance offers a wide range of coverage options, including liability, collision, comprehensive, and personal injury protection (PIP) coverage.
• Sentry Insurance provides discounts to customers who have anti-theft devices installed in their vehicles or who complete a defensive driving course.

In this article, we will provide an in-depth comparison of NJM Insurance and Sentry Insurance car insurance policies, including their history and mission, the products and services they offer, the cost of those services, the states where they offer services, the different types of discounts available to customers, and a summary of customer reviews.

NJM and Sentry Insurance History and Mission

NJM Insurance was founded in 1913 and is headquartered in West Trenton, New Jersey. The company’s mission is to provide affordable insurance policies with exceptional customer service. NJM Insurance is a mutual insurance company, which means that it is owned by its policyholders, and it offers a unique dividend policy that returns a portion of premiums paid by policyholders annually. NJM Insurance is only available to residents of New Jersey, Pennsylvania, and Connecticut.

Sentry Insurance was founded in 1904 and is headquartered in Stevens Point, Wisconsin. The company’s mission is to provide insurance solutions that protect individuals, businesses, and families. Sentry Insurance offers a wide range of coverage options, including liability, collision, comprehensive, and personal injury protection (PIP) coverage. Sentry Insurance is available in all 50 states.

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Coverage Options Available at NJM and Sentry Insurance

NJM Insurance offers a variety of auto insurance coverage options, including liability, collision, comprehensive, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

• Liability coverage pays for damages and injuries you cause to others in an accident, while collision coverage pays for damages to your vehicle if you collide with another vehicle or object.
• Comprehensive coverage pays for damages to your vehicle caused by events other than collisions, such as theft or weather damage.
• PIP coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Uninsured/underinsured motorist coverage pays for damages and injuries you sustain in an accident caused by someone who does not have insurance or does not have enough insurance to cover the damages.

NJM Insurance also offers a mobile app that allows customers to manage their policies and file claims easily. Additionally, NJM Insurance offers roadside assistance, which includes towing, battery jump-starts, tire changes, and fuel delivery.

Sentry Insurance offers similar coverage options to NJM Insurance, including liability, collision, comprehensive, and personal injury protection (PIP) coverage. Additionally, Sentry Insurance offers rental car reimbursement, which pays for a rental car if your vehicle is being repaired after an accident. Sentry Insurance also offers a variety of other insurance products, including homeowners, renters, and business insurance.

Both companies offer discounts to customers and have excellent customer service. It’s important to compare rates and coverage options from both companies to determine which one is the best fit for your individual needs.

Cost and Coverage Areas Available: NJM and Sentry Insurance

NJM Insurance is available to customers in New Jersey, Pennsylvania, and Connecticut. The cost of NJM Insurance policies varies depending on a variety of factors, including the driver’s age, driving history, and the type of vehicle being insured. NJM Insurance is known for offering competitive rates to its policyholders, and the company has a unique policy of returning dividends to its policyholders at the end of each year. These dividends can amount to significant savings for policyholders and are one of the reasons why NJM Insurance has a loyal customer base.

Sentry Insurance, on the other hand, is available to customers in all 50 states. Like NJM Insurance, the cost of Sentry Insurance policies varies depending on a variety of factors, including the driver’s age, driving history, and the type of vehicle being insured. Sentry Insurance is known for offering competitive rates to its policyholders, and the company also offers a variety of discounts to customers who qualify, such as multi-car discounts, good driver discounts, and anti-theft device discounts.

Discount Options by NJM and Sentry Insurance

NJM Insurance and Sentry Insurance both offer a variety of discounts to their customers, which can help lower the cost of auto insurance coverage. Here are some of the discounts offered by each company:

NJM Insurance Discounts:

• Good Driver Discount: NJM Insurance offers a discount to drivers who have a clean driving record for at least three years.
• Anti-Theft Discount: Customers who have anti-theft devices installed in their vehicles may be eligible for a discount on their insurance premiums.
• Multiple Policy Discount: Customers who have multiple insurance policies with NJM Insurance, such as auto and homeowners insurance, may be eligible for a discount on their premiums.
• Driver Training Discount: Drivers who have completed an approved driver training course may be eligible for a discount on their insurance premiums.
• Vehicle Safety Discount: Customers who have safety features, such as airbags or anti-lock brakes, in their vehicles may be eligible for a discount on their insurance premiums.

Sentry Insurance Discounts:

• Multi-Car Discount: Customers who insure multiple vehicles with Sentry Insurance may be eligible for a discount on their premiums.
• Good Driver Discount: Sentry Insurance offers a discount to drivers who have a clean driving record for at least three years.
• Anti-Theft Discount: Customers who have anti-theft devices installed in their vehicles may be eligible for a discount on their insurance premiums.
• Accident-Free Discount: Drivers who have not been in an accident for a certain number of years may be eligible for a discount on their insurance premiums.
• Defensive Driving Course Discount: Drivers who have completed an approved defensive driving course may be eligible for a discount on their insurance premiums.

It’s important to note that the discounts offered by NJM Insurance and Sentry Insurance may vary by state, and not all discounts are available in all states. Additionally, some discounts may have specific eligibility requirements, so it’s important to check with each company to see which discounts you may be eligible for.

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Customer Feedbacks for NJM vs Sentry Insurance

Customer reviews are an important aspect to consider when choosing an insurance company. Here’s a summary of the customer reviews for NJM Insurance and Sentry Insurance:

NJM Insurance has generally positive reviews from customers. According to the National Association of Insurance Commissioners (NAIC), NJM Insurance received fewer than the median number of complaints compared to other auto insurance companies in 2020. The company also has an A+ rating from the Better Business Bureau (BBB).

Sentry Insurance also has generally positive reviews from customers. According to the NAIC, Sentry Insurance received fewer than the median number of complaints compared to other auto insurance companies in 2020. The company has an A+ rating from the BBB.

In Summary:

In conclusion, both NJM Insurance and Sentry Insurance are reputable car insurance companies that offer a range of coverage options and discounts to their customers. NJM Insurance has been in business for more than 100 years and offers car insurance in only a few states, while Sentry Insurance offers car insurance in several states and has a wider range of insurance products.

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