New Jersey Auto Insurance Discounts

You may qualify for the following discounts:

Homeowners Companion Discount (NJM Homeowner Policyholder)
If you also have a homeowners or condominium policy with us, you will receive a 5% discount on your NJM car insurance policy premium for most coverages. Credit is not available for NJM renters policyholders. The discount does not apply on New Jersey Re-Insurance Company auto policies.

Multi-Car Discount
If two or more vehicles are insured on the same policy, a multi-car discount is applied to each vehicle.

Anti-Theft Device Discount
You may be eligible for a reduction ranging from 5% to 25% in your other than collision (comprehensive) premium on your policy for each auto equipped with an anti-theft (passive alarm or fuel cutoff) or vehicle recovery device (LoJack or OnStar).

Driver Training Discount
Available to drivers under 21 years of age who successfully complete 30 hours of classroom instruction and six hours behind-the-wheel training, or three hours behind-the-wheel training and 12 hours in an approved driving simulator.

Documentation is required for the discount to be applied. If classroom and behind-the-wheel were given by two separate training facilities, two documents will be required.

Good Student Discount
Driver may qualify if he or she is a full-time high school or college student.


Defensive Driving

A 5% discount applies, for up to three years, to liability, PIP and collision premiums if you have taken a course approved by the New Jersey Motor Vehicle Commission (MVC).